Thanks for the advice guys.

I'm going with the option of chasing my own private quotes from licenced repairers and send an nasty email to the RTA. They do have a 'Damage & Claim' department so hopefully I can get full compensation for the repairs. So far the quote I've got is about $1200, for new bar, water bottle, painting and labour, not cheap!

If that fails, then I'll go through AAMI and have it sorted.

More updates to come.