Had a crash with my bike few days ago, no third-party involved, just myself at a turning corner..., and was told it's a total lose today. I'm insured with QBE with a comprehensive policy, the situation is... I only purchased the policy like 2 weeks ago over the phone with Melbourne QBE, so at the time of the accident, I HADN'T posted the Insurance Proposal Form to QBE yet, and HADN'T paid for the insurance premium, the only thing I had was the cover note and the policy number. I posted the Insurance Proposal Form and made the payment when I received the form, which is one day after the accident. Beside feeling like shit now, I am worried if QBE will honor the insurance, especially considerring it's a total lose. Basically things happened in the following ordrer: 1. Bought the bike, made the transfer with Vicroads 2. Bought the insurance over the phone 3. Had the accident 4. Received the letter from QBE (Cover note, Empty Proposal Form, etc) 5. Called a repair company to tow away my bike 6. Called insurance company, reported my situation, told I need to post my Proposal Form and pay for the premium before they can process my claim. At the same time they will arrange an accessor to the repair shop to check out the damaged bike 7. Filled and posted the Proposal Form, paid the premium 8. Was told the bike is a write-off, need to contact QBE 9. Called QBE with the information, told need to post my Vicroads transfer receipt and rego paper 10. Reg-posted my Vicroads transfer receipt to QBE, couldn't post the rego paper because it is in the bike which is taken away from the repair shop by QBE assesor Just double checked the Cover Note: it says the cover starts on 24 Feb 2009, and expire on 10 March 2009. So my questions is that if there is any thing I can do now to make sure I get the insurance cover? Did I handle the insurance & repair wrong? Any suggestions about what else I can do? Anyone had similar experience and what did it turn out?