MCE RANT

[Pie-Roe]

Right, Pyro passed his test today, and as such bought the best quote he could get online, Its 480ish with MCE on a GSF600S.

Offers me Direct debit payments, which I'm glad for, and so I choose the 9 month option. I wonder if its going to let me do it, being 17 and all, but yes it lets me give a hefty 160 deposit. That left my account, and then I get an email asking me to ring a premium rate number, to 'clarify' some details. Fair enough I thought, rang up, and speak firstly to some bint who had no clue what she was doing and thought she'd put me on hold while she told a guy what she wanted from the chippy realises I'm not on hold and then states that she doesnt know how to resolve my issues, or indeed what they may be, and she will get someone to ring me back.

The woman who emailed me calls back, and states that because I'm only 17, I cant legally enter a credit agreement or give direct debits (which they had already prompted me to do, and nowhere stated 18+ or indeed checked before taking my money)
Now I dont have anyone that is 18 that will do this, So I politely ask for a full refund, based that they can't provide a service they advertised and that they took a deposit for. Apparently I'm going to lose 30 quid because their website is misleading. And the bike still wont start

Pyro
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Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX

[Kickstart]

[Chriss]

Raise a complaint, then take it to the fos, I'm sick of insurance companies trying to scam people like this.
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[Kal]

As Keith says

Tell them you were missold the policy and you want your money back.

They will eventually give you the money back and say that they are doing you a huge favour when they realise that you aren't going away.
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Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S

[LeeR]

I had a similar problem with them today, I had insured my 650 with them in Sept just TPFT to keep it covered whilst I sold it. Anyway I sold it Saturday and the chap was coming to pick it up this afternoon at 1615 while I was at work.

So I ring MCE and tell them I want to cancel the insurance;

"Sure" they say "...return the certificate to us with a covering letter".

"Great", I say "...but that'll mean the bike is still insured until you get the letter."

"Yes, that's right", she replied,

"Isn't that illegal?" I ask "because surely the new owner is going to insure it at the same time?"

"Well, yes but we can't cancel the insurance until we have it in writing"

WTF?

"Can't I e-mail you, wouldn't that be classed as 'in writing', and can you then cancel the insurance today?"

"Yeah I suppose so but we still need the letter and certificate"

Will I ever use them again? Will I bollocks!
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My claim to fame: Austin Vince nicked my pen...

[MattEMulsion]

LeeR, I think you are being a bit hard on MCE as what you have stated is pretty much standard practice. If you want to cancel insurance then you generally have to send the original certificate back to them and cancel in writing.

As for two people insuring the same thing at the same time then I am 99% sure it is not illegal. It only becomes a problem if you try and claim twice on two different insurance policies for the same thing. Besides it is all to do with having an 'insurable interest' in something, ie if that geezer binned the bike after you had sold it, you couldn't claim on your still valid insurance policy as you have no 'interest' in the bike.

Pyroforlife, you shouldn't have rung MCE on their premium rate number, always use a cheaper option - you can normally get put through to the right department. Have you not heard of the website www.saynoto0870.com ??? MCE have their normal rate numbers listed on there.
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Yamaha YZF-R6

[Ichy]

Leer I can't see what your problem is?
Would you prefer it if someone could randomly phone up, claim they are you, and cancel your policy without you knowing?

[MarJay]

I've been with MCE for about three years and they are excellent! They don't charge much to add or remove bikes from the policy, and I do that all the time. I've bought and sold bikes so much in the last three years that they must think I'm a bit doolally!

Can't say I have any complaints about them.

When I was 17 I knew perfectly well I couldn't pay my insurance in installments, so I didn't try...
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[G]

[Kwaks]

Pyro, how did you pay your deposit? If by some sort of card contact the issuer and stop the transaction, will save you grief if you can do this
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Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[Pie-Roe]

[LeeR]

Matt/Ichy/G - thanks for the advice, I appreciate where you're coming from, I'd never had it happen before. I mean usually a few security questions, and pop the certificate back in the post, or as with Direct Line shred it, and there's never been a problem. But t'is all done and dusted now, cheers.
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My claim to fame: Austin Vince nicked my pen...

[Dav1son]

i payed monthly with bennetts and 1st quote at 17.
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Future: ....
Present: GSXR-750 L0
Past: ZX10R C2H, TL1000R, CBR400 NC29, GPR50RR/RS50

[big d]

im 16 and i chose to do do the 9month credit thing aswell. my premium is £360 for tpft on a super9 50cc, so far ive heard nothing about when the money is due to come out of my account each month but they took my £72 deposit so i assumed that everything was ok.
i havent received my cover note , i bought the quote on saturday and have heard nothing from them, i phoned up on monday and they said that i should receive my the cover note today or tomorrow.
so far mce are pi55ing me off big time. i wanna know what is happening and i get told nothing.

after you had bought the insurance did you get a message come up saying somebody will contact you in the next 2 days. (i did but they didnt contact me,just wondering if the same happened to you)

do you mind me asking how you were paying yours. ie visa, etc
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September 22nd 2007 cbt passed......Pass A2 asap
Present: 2007 Yamaha YBR125, 2004 Kymco Super9 50cc.....Dream Garage : 08 BMW GS650, 04 Gix6, 2000 R1, maybe 08 Superduke.

[airconadam]

iam with mce not had any problems but they are just an insurance broker arnt they? ihad one bike insured and iwas coverd with axa, but now with my new bike iam with another company but through mce but not any problems thanks alot


adam

[spikenipple]

If you want to pay insurance in monthly instalments, try using eBike. You can pay monthly, and they'll send you a new certificate every month. It'll be classed as one overall insurance policy though so you'll still accumulate NCB, but you basically pay for it bit by bit as if you're buying a new policy every month.
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C50 > GN250 > XJ600 > SV650S K7 > 2001 RSV Mille R > MT-09, XR400R > 2005 Fireblade (trackbike) + 2022 MT-09 + ZXR400 race bike