Hey peeps, I've recently stacked my bike and done what a mechanic roughly quoted to be about $3000 worth of damage to my Hyo 650gtr valued at $6000. I have QBE comprehensive insurance and I'm pretty sure my excess would be $1800 if i claimed. The bike is financed through a dealer and i'm just trying to find out what would happen to my loan and bike if QBE decide to write my bike off. If they write it off would i get the money to buy a same value motorbike or would the finance company just take the money to pay the loan out leaving me with no bike and out of pocket for the excess and the deposits etc. i have already paid on the bike. Also, if i call the QBE and tell them i've crashed do i still have the option not to claim straight away ( don't have the money for the excess at the moment). I hope this makes sense, please bear with me if it doesn't as this is my first vehicle/loan/insurance contract. Cheers, Newb.