OK, first a brief on the incident. 19th of may 2010 I was riding my bike, came to a stop sign. Stopped at the line and was hit from behind by a car. Driver of the car stopped, rendered assistance and identified himself so I have his name, adress, vehicle rego and licence details. MY bike is fully rego'ed, I have the relevant licence for the bike and was being used for personal use. (RE at the time of the accident, since upgraded to R). I'm 43 with a max no claim bonus which I've held since the early 90's (not sure when I earnt it and never made an at fault claim) and my drivers licence record pretty much walks on water. So I make my claim to Western QBE insurance whom I have Comprehensive - Private use insurance. They have demanded that I pay a $800 excess to the repairer. This is made up of $500 standard excess and an additional $300 "inexperienced" excess as I have held a M/C licence for less than 3 years. There is no guarantee of getting this excess back ever. I will only get this back if the other party pays up according to WQBE. Naturally, he isn't insured. So I called WQBE for a "please explain" and was constantly told to read the PDS. The wording in section 4 of the PDS essentially says "you may have to pay an excess". It does not say "you must pay an excess" which is what WQBE are essentially doing to me. In any case, I am not being "comprehensively" insured here. I paid for the policy in good faith to be financially protected from incidents just like this and now I find WQBE are bailing out on their obligations. If I have to pay my excess initially to the repairer, there has to be a point where I receive this money back otherwise, what was the point of being insured in the first place if I can incur a financial loss from a not at fault claim? So, has this happened to anybody else? What avenue's can I pursue from here? Do I try to go after the driver myself and not claim at all? Would appreciate some advice here as Im flabbergasted at this crock that WQBE are trying to pull.