Hello gang.... I was taken out by a car recently, however there is a dispute on liablility. The lady is claiming i ran up the back of here, where i am claiming she pulled out into my lane. Despite there being damage only to her VERY left bumber and REAR light, QBE has informed me that they do not think they can be succesful in claiming. Therefore i am stuck with an excess. Its $500 standard....plus a $250 inexperienced rider. Thing is....I've held my motorbike licence since May 2006. Granted it was my L's, i moved to P's and have been unrestricted since November 2007... My question is, technically Ive held a motorbike licence for more than 3 years, and the Policiy nowhere states that it has to be a full motorbike licence, so unless anyone can convince me otherwise.... I dont think i should have the pay the inexperienced rider excess. thoughts?