Another member and I were just looking at the policy documents for IMR and under their heading: PDS & Policy Wording "Comprehensive insurance>What is covered" The section on uninsured third party states: If your bikeâ€™s damaged in an accident thatâ€™s not your fault, weâ€™ll choose to either repair your bike or pay you the amount of the damage, provided that: - you give us written evidence that the driver, rider or owner of the other vehicle is not covered by any insurance policy for the damage to your bike - you notify us of the current name and address of the driver and/or owner of the other vehicle, together with the vehicleâ€™s description and registration - the other vehicle was not owned or driven by you, your partner or any person who normally lives with you. We will determine who was at fault. Weâ€™ll also pay the reasonable costs for towing your bike to the nearest repairer or safe place if itâ€™s unrideable. In the adjacent column of the table it states: What's NOT covered Any amount more than market value of your bike. An amount greater than $3000. Have a think about that...... Well if someone who is uninsured causes an accident IMR will only pay you the lesser of: A) The market value of your motorcycle $3000 WTF??? Even if you can identify the driver and vehicle at fault, if that at fault person is uninsured, you will get no more than $3000. Think about that when you are insuring your $17000 brand new bike! What a total rort, I don't know of any other insurer with this type of minimalist cover for claims where the inusred is not at fault on a comprehensive policy. My NRMA and Shannons policies will cover me up to the full amount of my agreed value, and I believe many other insurers will do the same. Just goes to show you that it is imperative to read the PDS thoroughly before taking out insurance, and you get what you pay for. Perhaps Smithy or another employee that is a member here can confirm and point to literature published to the contrary if I am incorrect??