No point in having QBE insure anything! I am disputing a damage claim by an APIA customer mainly because the dent on his metal car is the wrong height, shape and size to have been caused by the undamaged flimsy plastic front on my car. When I investigated why APIA are either sueing me or going to send a debt collector unless I pay them the thousands of dollars the APIA customer has claimed, I found out the incompetent QBE claims staff in the Philippines managed to send the photos and my case to the wrong email address so the assessment team in Australia never responded. Adding to this, instead of advising APIA the matter is still being assessed, APIA were told by the same claims team that I was unable to pay my excess. All this time I was told the matter has been referred to the assessment team and I will be contacted by an assessor soon... 65 days since I lodged the claim and counting. Now I have to contact APIA directly to confirm they have recieved messages because I can not rely on the QBE claims team who speak english as a second language to even get an email address right. Every contact I make with QBE I need to request a call reference number and be copied in on every email. Would you believe it they still managed to stuff that up by not sending me an email and when I checked with APIA right after I got off the phone to QBE about the email I did get copied in on, I found they sent it to the wrong address and had to send my copy to them! What is the point of having them represent me? I should never have changed from Comminsure. Their claims team were in Australia and got the job done because they were trained properly. If I survive this saga I'm going back to them. I'll also be complaining to the financial ombudsman service and possibly seeking legal advice. Not even worth the 1 star minimum google rating.