MCE Bike Quote Fail.

[No 6]

Hi Folks

Thought this may be of interest to anyone shopping for a quote or renewal.

MCE came up cheapest on Compare the Market for my renewal quote on my Ninja at £260.67 Comprehensive. This came with accident cover, helmet and leathers, breakdown and legal, all sounds good on face value. For those that don't ask this deal has the following constraints.

Helmet and Leathers cover - £350 with £100 additional excess.

Personal accident - £1000 to cover loss of a limb in full and final settlement.

Breakdown - Have to be more than 10 miles from your insured address or your pushing it, it will take you to a garage if closer than your home address too.

Courtesy bike - 125cc only.

Overall excess £550.00 and no protected no claims (additional buy up.)

Even though the prices vary day to day I was told prices have just gone up as we have apparently entered summertime pricing in April? Wasn't sure on this and neither were the two insurers I spoke to after MCE hung up on me accidently after 45mins.

So question is, what's the general thought on bolt ons when getting insurance, do most bother when the reality is none seem truly worthwhile?

On balance Comprehensive via Hastings without anything but legal (£100K) was £110.00 so less than half the cost.
____________________
Your ego is not your amigo

[ScaredyCat]

[goodlifefarm]

If Hastings quoted me £5 fully comp, i'd rather pay £500 with MCE.

[haroman666]

Steer clear of MCE. Just stick them into the BCF search bar and numerous threads will come up about their dodgyness.
____________________
The mistresses: 2000 Honda CBR600f, 2000 Honda VTR1000

[P.]

I don't buy any add on's, I try and get the cheapest cover possible.

If it breaks down, meh, leave it, get the train or bus and pick it up in the car later.

If it gets stolen, none of my current bikes bar the CBR are worth anything past a few hundred quid, as such are TPO... so I won't claim.

If I crash, I don't need the legal cover, that is what insurance is for. No win no fee stuff is always a bonus, never paid for legal cover, never had to pay for anything from any of my accidents.

Never bother paying excess.

[G]

[goodlifefarm]

Ok, swap mce for 'another insurer'. My point was, at all costs, avoid Hastings.

[fox]

[J.M.]

[Alpha-9]

[kramdra]

MCE is bikesure. My policy is with MCE, some documents branded bikesure.



MCE terms and addons suck:

Helmet and leathers, max you can get is £250 due to excess, however you will not get the full price of your gear. -30-50% seems realistic.
I payed £320 for boots and lid - only items damaged.. got back £116 minus the cost of posting them the damaged items.


They say its seperate to NCB but I'd not be suprised if it goes up this year.



Personal accident sucks. I think mine says £5000, tho.

Breakdown - I payed £30 extra for national. However the one time I needed it MCE were shut, RAC did not know of the change and refused to help and demanded monies.



Overall excess - I am comprehensive, they gave me a £1250 "protected" excess, where I would never need to pay it. However I did not realise this also prevents me making any claims if the damage is below this amount. On a £2000 value bike, its only of use in a writeoff and there is still the risk they could say its worth under £1250, so I would get nothing.

Keep phoning them, quotes get lower every time


I hate their phone system/wait music, having spent hours? phoning them.

[G]

Lack of morals generally.
Other people's bad experiences when claiming.
My own bad experiences with their customer services.
Their lies when marketing.

[Alpha-9]

[kramdra]

Part correct.

Addons with MCE are not optional, and I belive come from alpha, but my actual policy was with somone else and the value of this policy was a third of the total cost yet it was still cheapest.

[arry]