Hey people, here's my issue with my current insurance company (QBE). I had a minor prang a few weeks ago on my bike, but not small enough to pay for it myself right now, and am a everyday rider, so i decided to claim on the insurance. I have had the insurance (platinum cover, highest grade they offer) for 7 months, paid it always on time without a hitch. my issue is that they have gone through the paperwork and come back to me with "we wouldnt have insured you in the first place because your point rating is too high on our scale, so we cannot pay out your claim or fix your bike, as you shouldn't have been insured in the first place" now, because i own part of the bike, and another part is owned by a financier, the insurance was obviously a must. However, at the time of purchase, i was asked all the licencing questions by the dealership, which is protocol on seeing if you are actually insurable or not, and answered them to what i knew to be true (which matches my driving record, so no issue there). what QBE are saying is that there is no records with them of previous fines or driving offences when the insurance was put through, which is strange since i passed on that information to the dealership via telephone (they are based in queensland, im in nsw). my retort was that i didnt even see the insurance put through, recieve any paperwork or put it through myself as the guy at the dealership did it all for me. i have other paperwork from the dealership but nothing insurance related. i wouldn't have been able to buy the bike if the insurance hadnt gone through, since the other amount that was financed wouldnt have been since i couldnt get insured. so my question is, what do i do now?