I officially withdraw my previous glowing endorsement of QBE insurance. Apparently it depends on who you deal with. Last time they were fantastic. This time the claim was 'approved' but it wasn't until I picked up the bike that I got the list of things that they rejected - and this time it wasn't my fault so it's not even QBE who are paying the bill. Now I have to make a separate claim to RACV for the smashed top box (not explicitly listed on my QBE policy). RACV still owe me money from a claim 9 years ago! That's why I chose to go through QBE. Not happy.