STAY AWAY FROM MCE INSURANCE!!

[Pol Anorl]

title says it all !!

the story is.
when i got my first 125 it was a chituma ctm 125 c.
(cg replica)


chinese import rubbish. but, when insuring it the cost was £180 a year.
cheap as chips so i was like ye nice.

why was it so cheap?
chituma ctm = commuter scooter even though its a motorbike. (cg replica)

anyway when i got a new bike i went to change the insurance over and they refused to do it because my new bike was too high risk.

its a yamaha sr 125.

so long story short. they insured me on a scooter. then when they realised they made a mistake they canceled my insurance and left me with nothing. i was riding illegaly all the time i had it.

thats not the worst part. ive been getting constant letters from debt collectors demanding £86 for cancelation charges?

mce are trying to get me to pay £86 for canceling my insurance when they canceled it because they made a mistake.

now expecting a debt collector to come round next week.

STAY AWAY FROM MCE !!!
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[Mudskipper]

I fear you may owe the £86, or at least part of it.

Assuming you paid monthly for the insurance? It's not pro rata, you agree to pay the total premium at the time you take out the insurance.

Any refund for cancelling is purely down to what's in the agreement. Often, after (agreed) cancellation carges, theres little if any refund left.

The scooter/bike issue is irrelavant, you bought the insurance for that machine, if they can't insure the new vehicle you buy, afraid it's tough.

Morale of the story? Pay in full and don't make ANY changes mid-policy, especially change of vehicle.
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CBR125|||GSXR400|||CBR400|||CBR400|||CB250RS|||GSXR750|||CB250RS
"You're clumsy, you eat too much and you behave like a 12 year old boy. But you know what? Every once in a while, you find a thumb."

[Pol Anorl]

[Mudskipper]

Ah ok. I thought you meant they cancelled when you changed bikes.

Not sure then, what exact wording did your policy documents that you were sent use? Did it say scooter or bike?

If it said scooter, they may argue that you should have spotted it as an error and got it put right.
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CBR125|||GSXR400|||CBR400|||CBR400|||CB250RS|||GSXR750|||CB250RS
"You're clumsy, you eat too much and you behave like a 12 year old boy. But you know what? Every once in a while, you find a thumb."

[Kwaks]

If they cancelled then you should not pay a cancellation fee.
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Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[MarJay]

Personally I had been with MCE for years and never had a problem with them. I left because they wanted to charge me £70 to add my MZ to my insurance when all the other bikes I've added cost a £30 admin fee, and the MZ is worth next to nothing.

Still, despite my minor bad experience I'd still be wary of saying "STAY AWAY FROM MCE" in the thread title. Did you know that you can be sued for libel if anything you say is proven to be false? As long as you remain factual you should be OK but its worth bearing in mind.

The thing is, insurance companies make mistakes. It also probably does say in their terms and conditions that they can cancel the policy and you will be liable for the cost if they find out that anything you've told them is a falsehood. This probably includes the type of bike you are riding of course. However, I'm sure you weren't to know they made a mistake. I'm certain that if you call them, ask to speak to a supervisor and explain the situation in a calm and rational manner (don't get angry) then they will cancel the debt collector.

I think if there is a moral to this story then it is obviously don't buy a shit chinese bike, because problems like this WILL occur. Nobody knows how many different brand names of bikes are out there from China, and so insurance companies have a job to keep up. I don't really blame them, have you see the Autotrader bikes page recently? The list of makes of bike is completely swamped with chinese bikes which are nearly all CG copies. They are also all made from substandard materials with substandard manufacturing processes. I wouldn't touch one with a bargepole.

In summary: phone them up, ask to speak to a supervisor, explain the issue calmly and rationally and hopefully they can help. Ignoring the debt collector is not going to help your credit rating and so I'd really try to deal with this ASAP.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[The Shaggy D.A.]

[pa_broon74]

This is becoming quite common though, an insurance company in its fervour to generate sales sells a policy erroneously then after a period of time (usually once a substantial amount of cash has went their way, they cancel saying they couldn't insure you after all.

Also, the best defence against libel is for it to be proven correct. Assuming the details are in order it looks straightforward to me. Also on this, he's not saying they're crap, he just saying don't use them, thats not libel that is a commercial opinion.

Anyway, when on the phone, since you hadn't been insured at all for the period, you should also ask for a full refund and as said, since they cancelled not you; no cancellation fee should be payable. Be clear though, they may claim since you wanted to change the policy details that you cancelled after-which they discovered their mistake meaning technically they'd be in the clear.

You need to be clear about the order of things, never under-estimate an insurance companies potential for chicanery.


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Didn't catch anything.

[neil.]

Well worth contacting the Financial Ombudsman Service in my opinion and getting them on the case if the insurance company isn't being reasonable and are at fault.
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CBT February 2008 | A2 June 2008 | Yamaha YBR125 (written off) | Honda CBF125 (current)

[L4Isoside]

Im with MCE!

Well, they are my broker!

[ms51ves3]

[Pol Anorl]

just popped out to buy a new speedo cable for my sr 125 turns out its a 1989 not a 1991 (why does my logbook say 1991 frame number says 1989 and both numbers match up)

on topic: ive phoned the debt collection agency every time ive had a letter or a text message so far ive had 3 letters 2 phone calls and 2 text messages.

and ive also phoned mce and explain that its unfair that i pay due to there error and they mearly said in a nut shell "so? the debt collectors will be with you soon"

so mce are being arrogant and accept no responsibility.
ill have to dig out my paper work to see what it says i was insured on.

im now with just bike insurance pay £40 a month for 4 months which pays for my full year (fully paid off) problems so far. none !
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[ms51ves3]

[Pol Anorl]

[multijoy]

Stop fretting about debt collectors. Unless a county court judgement has been issued and they are also bailiffs, they have no more power than any other man in the street.

They've no power of entry, they've no power to seize goods. If they try to say they do, call the police as they're no better than common thieves.

Write to the debt collection firm, acknowledge the letters and tell them that the account is in dispute and they should have a conversation with their clients. Ask that they contact you only in writing, under the terms of Consumer Protection from Unfair Trading Regulations 2008.

Copy this letter to MCE and ask them what the hell they are playing at, given you provided the information they asked for in good faith, which is exactly the same rope they'll try to hang you out to dry with.

In the meantime, you may want to consider a note to trading standards.

To sum up, don't sit there panicking about debt collectors. The only advantage they have is that many people do not know that they have no powers. If MCE refuse to play ball, stick it out until they issue a court summons- then you can either pay up the £80 or have your say in court.

For £80, I doubt they'll bother. (Note that this approach will leave a mark on your credit record for 6 years. I wouldn't sweat the small stuff, but others may have more concern)
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[ScreamWorker]

im with MCE and havent had a problem, i had to claim on fully comp earlier in the year and apart from a crappy offer for my bike it was decent service done within 3 weeks.

Ive also broken down and used the free breakdown, free lift home, that too was fantastic.

They were by far the cheapest for insurance on my GSXR 750 and yet to have a problem,

it could as always be a minority problem

[ScreamWorker]

edit - double post

[stirlinggaz]

in my experiece, i have found MCE to be cheaper than most others, but theres a reason for this.
these cheaper places will screw you at any given opportunity once you have given them any money.
in their haste to sell policies, the sales people often make mistakes (these people are on commision remember,so its in their interests to sell you something, anything!)
once this mistake is realised, the sales person has already received the commision so doesnt care two hoots & some other call centre operator will cancel your policy.
their small print is littered with phrases such as "admin fee","cancellation fee" etc etc.
you are entitled to notice of cancellation, however.
much the same as you have every right to cancel your policy within the "cooling off period", but try doing this & they are likely to charge you their "cancellation fee!" & if you dont pay it, they will sell this debt to a dca, who will harrass you at every opportunity & in the end you will pay them to leave you alone,lol
cheers,
GAZ
edit : just had a look at some reviews from customers in the review centre.
at most they get 1 star! & there a lot of unhappy customers, im still to read a good review,lol

[Pol Anorl]

honestly ive heard alot of bad stuff about mce unfortunately it was after i took out insurance with them.

there customer service skills suck and they only care about money.
____________________
GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[Ste]

Why did you get insured on a scooter when you don't have one? To take out a policy you need to give them lots of details, make and model of the bike, registration number, value, date of purchase, etc etc etc.

So I think saying "they insured me on a scooter" is missing out a lot of the details.

[RS125_Tecky]

I was with MCE on the B1H last year.

Was something like £500 for the year and I paid monthly over 9 months.

I can't remember the exact details but it was something like £150 deposit and £55 a month for 9 months.

After 6 months I had to sell the bike, so had paid £150 + £55 x 6, so £480 had been paid for 6 months cover on a policy which was around £500.

I then got charged £85 ish to cancel so I ended up paying £565 for 6 months cover on a policy which was £500 for 12 months, I was hoping when I came to cancel they would refund me some money!

Anyway, It was me who had to cancel so I guess my fault, still annoyed me though and I vowed never to use MCE again regardless if there cheapest or not.
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2004 ZX6R B1H

[27cows]

I do stay away from MCE because they're a shower of crooks.
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The RXS100: vehicle of choice for Chuck Norris

[iooi]

[BenR]

I would not be intimidated by the threat of debt collectors turning up at your door. DO NOT let them in they have no right/business coming to your home. There is a difference between a debt collector & a bailiff. Simple refuse to deal with them & shut the door.
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Current bikes: suzuki RG125UN wolf. Yamaha MT-07

[trevoriv]

MCE cocked my insurance up getting my details from the biker insurer website, not sure who was to blame for that, they also didnt get my reg on the MID for over 2 months, kept getting stopped for no insurance - all of that could have been bike insurer / insurance company but still as a broker they havent been much good for me.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...