MCE Insurance - DO NOT TOUCH THEM WITH A BARGE POLE!!!

[ianc1990]

Took out a new Policy with MCE last Thursday for TPFT on my CBR 600 Sport. Everything seemed fine and the customer service was very good *until I received my policy documents*

Despite the assistant specifying that I have Pillion cover(this was very important to me) and helmet + leathers cover, my policy documents showed very different things.

I immediately contacted MCE Insurance to get told I cannot be helped and I need a manager call back. This never happened. 17 calls later and 9 promises of callbacks, I eventually managed to speak to a manager. He said that they have listened to their recording and they can confirm that the sales rep did infact offer me the cover but I still need to pay an extra £180 to get pillion cover, and that they are unable to provide helmet + leather cover. At this point I got very angry so requested that I get a full refund but they said I HAVE TO PAY £50 to cancel despite it being their own fault - The policy does not commence until next week!!!!!

I contacted the Financial Ombudsman Service who said this was illegal and they offered to contact MCE for me but this would take several days.

I ended up getting in touch with Visa debit and i got refunded my full deposit and I had every right to do so as MCE has mis-sold me an insurance policy (they accepted this) and they broke the law by not offering me a full refund.

Despite MCE being the cheapest for myself, my advice it to keep away from them as they seem like very big trouble!!

[G]

How else do you expect them to spend so much money sponsoring BSB and illegally spamming forums with their stupid 'big ed' stuff?

[ianc1990]

Never had such poor customer service from anyone in my entire life.

They called me yesterday and I told them I withdrew my deposit and that I contacted the Financial ombudsman service after they failed to obey the law - they said 'Well thats fine' and literally put the phone down on me, not even a goodbye - Very professional!!!!

[Redoko]

[dogbot]

One of my bikes is with them and they've been ok. Had to change some details after taking out the policy, done in one call, no bother. Documents all correct.

*shrug*

As Redoko suggests, most of these companies (or most modern companies full stop!) can be a bit shit sometimes...

[ianc1990]

Of course I have, Ive been through 3 insurance companies with my car over the last few years.

When I am promised a call back, I always get one back and most of them tend to follow the law I had a bit of a misunderstanding with admiral last year wear they started my policy and there were a few incorrect details. They listend to the sales call and admitted that the extra modifications were included so rather than charging me an extra £70, they put them on for no charge - its wasnt easy to get them to do this but after requesting to speak to a manager, it was all sorted

[G]

Not sure I'd expect them to actually comply with the law entirely in reality; but overall MCE seem significantly worse than most other companies out there.

[Rogerborg]

There seems to be a pattern emerging that they just don't have the staff to cope.

I'm done with calling up insurance companies because of this problem with the phone drone (who's on commission or targets) "mis-hearing" the details in order to close the sale. If I can't get the policy online, and see all of my details onscreen, then it's not worth the gamble.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[G]

With MCE it seems to be a more much more serious a case of institutionalised lying than others. Possibly worse because they seem quite happy for line managers to blatantly admit it too.

[Shadow152]

you have a 14 day cooling off period where you have a right to cancel free of charge, however if you're willing to fight it demand that they make a hard copy of the recordings and pay for shipping for them to send it to you, if you're not willing to go that far request ur deposit back and give trading standards a ring sure they'd be interested to know bout it
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CBT: 8th August 2010 Aiming For a2 Test: 15th July 2011
First Bike: Lexmoto Street 125cc Black (Written Off) Current Bike: Lexmoto Street 125cc Blue

[Marmalade]

[Recluso]

Not necessarily correct. It's generally assumed that you have 14 days, but you need to be ABSOLUTELY certain within each company as some waive the 14 days.

It'll be in the small print as to their cancellation policies, but in your case Marmelade, I'm surprised that you had to pay a further fee given that it was less than 48 hours.

Insurance is a bugger anyhow. I had to pay out £150 to change my policy to cover my YBR125 from my PSi125 (this is with Express Insurance) which I thought was an absolute joke.
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[G]

I believe they are still allowed to charge a 'reasonable' fee.
Take it further and I suspect even a £30 fee as per banks were charging would be thrown out.

[Rogerborg]

The controlling legislation is the Financial Services (Distance Marketing) Regulations 2004.

The cancellation period is 14 calendar days after commencement of the contract or after written details of the terms have been provided. This is an absolute right: you can't be forced or tricked into waiving it.

The amount they can sting you for is unclear though; the regulation is too-clever-by-half.

[iooi]

[Humptybackedf...]

[N cee thirty]

i had close premium on one policy

wankers
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[Humptybackedf...]

point being Rob, that these tosspots operate on the very fringes of legality, not just Premium, but all of 'em singing from the same hymn sheet to a greater or lesser degree, fair enough if you had some choice in whether you "bought" their "product" or not, caveat emptor an' all that, but it is a legal requirement, one that despite them doing fuck all apart from "cover your risk" even when you've cost them nothing in the last 20 odd years, they still think it's ok to charge you another 40-50% each year, and do fuck-all when you have to occasion to actually "use" their "product", (two non-fault claims in the last 20 years, both of which were dealt with expertly, and no hassle to myself by these guys, talk about a license to print money.
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as ye sow,,,,

[Fortuna]

Admin fee's if so stated as such, have to reflect the cost involved.
Just for clarity, it's the FOS (Financial Ombudsman Service) who deal with complaints. The FSA (Financial Services Associaton) are the governing body of fiancial institutions.

[Redoko]

Glad to say with my new bike, I'm now off eBike.

I feel better already.
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"Let's face it, this is not the worst thing you've caught me doing."
Sudika Sportsman SK50QT > Gilera DNA50 > Honda CBR125 RW7 > Kawasaki Zephyr750 > Suzuki GSXR600 > Honda Hornet CB600F '51

[RamonTR]

my lil cuzin took an insurance with those mind gamers a year ago, he was 17 and third party. when he asked to cancel his insurance they said he has to pay 12 months in advance because he apprantly took a finance

he called financial obdusman and he was told that he cant have a finance in the first place since his under 18 and plus
when no claim is made, any1 can cancel/ stop his insurance he would only pay cancellation fee, theres no such thing as paying 12 months

he cancelled direct debit with bank and in the mean time he filed a legal charge against MCE because of fraud ( they fiiddled with his DOB to obtain finance on his behalf ). within a week he got a call from area manager and she offered 4 digits to settle out of court.

he wrote the whole story to motorcyclenews with the legal documents and a photocopy of the cheque however only to find that mce is a sponsor of mcn so he never got a reply/attention.

Avoid those mce morons but yh they have tons of customers somehow...
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All the best

Ramon

[Bike Bunker]

I hanvt read the entire thread but my story goes like :



insured my dna (got stolen they offered me £200 when i pad £500 but i had it insured it for £800)
got it back after cancelling my insurance and getting more than what they offered if i claimed
so i insure with them again this time only able to afford 3rd party yet again bike gets stolen (note the bike was never stolen from my house but my nans and my friends)

i didnt inform mce as i thaught i wont get anythink and ill need 1 years no claims nexy year for my 125 so i get my 125....
iring up and say can i transfer that insurence over to my 125 ( as i understood you pay the extra for having insured a more valued bike ect....and the answer was no! i said what do you mean they said they had insured me via a different copany which only dealt with 50cc mopeds so it was 'impossible to change it' i said well ill take out a new policy going through all the details i said i had 1 years no claims....they accepted this 2 days after i get a phone call saying im not insured i dont have 1 years no claims andi lied to them i said no the policy was with you and i do have 1 years no claims he replied' we see you had a policy with us but it doesnt run out for 3 more days! and your noclaims bonus wont be active for 4 more days soo now im fuming!!! never just been ok with this company so he puts my insurance policy to start in the 4 days even after i told him i no longer own this bike , he said i cant proove i dont own that bike isaid so now i have to wait 4 days before i can ride ...instantly said well how much is it without the 1 year ncb thinking he would say £10 more it was £110 pound more he stupidy said would you like to purchace that then sir ...i replied you fucking retarded monkey ill wait 4 days ...since then i havnt had to insure a bike but when i do it will not be with them

[jrolph94]

[racinTom]

how funny, I was speaking to my Uncle the other week and he told me he got a good quote from MCE... I'll let him know!! thanks for the heads up
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Oulton Park Trackdays is the place for me!

[Ryandano]

AVOID LIKE THE PLAGUE. They sent my policy out to me with no commuting which i specifically stated i needed. When i came to give them my new address they first said they couldnt do it on my existing 3rd party only insurance and i would have to upgrade to tpft?!?!?! When i asked for that in writing and also details of the fsa and fos they said ill just check with my manager. THEN they said 3 hours later they would keep me on tpo but still chare me £65 FLIPPING QUID to change my address and i went for the ass-end of town to the posh parts!

If you speak to someone called 'louise/loosa' ask to be transferred immediately.

Never ever again will i use mce. Id rather pay more for hastings but ive
Learnt now the hard way. Awful service and complete joke.
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Theory Passed 50/50 Hazard Perception 65/75 23/05/08 C.B.T Passed 26/05/08 Practical Test A2 Passed 25/07/08 3 minors. BMW F650, Hornet 600, Piaggio X9, Piaggio Zip 100, Vespa ET2, Virago 535, Honda MSX Grom 125 Current