Dodgy quotes

I had top tier QBE travel insurance. My phone was stolen in Cuba. I assembled all the correct documentation, including a Cuban police report. QBE required that I provide a receipt for the phone, beyond just the monthly bill. I wasted time going to the original store I bought it from to get this. The phone cost $1,176. After all this, QBE offered to return $450. The cheapest Australian retailer I could find publishing a current price for the model of phone was Big W at $800.When I contested QBE's quote of $450, they directed me to a interstate 'retailer' with no street address (just a PO Box), no online store and no published price. The business was registered to a residential address. I contacted QBE three times contesting the $450 remittance. They just kept providing details for the Melbourne retailer. The $450 quote is cheaper than Hong Kong eBay resellers, who offer no Australian warranty. I had zero interest in dealing with an interstate group sourcing an international phone with no local warranty support, so now I am significantly out of pocket on my replacement phone.

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