Went with MCE insurance - T&C's are shit

[ian505050]

After reading the massive issue the guy had on here recently messing up his insurance details i thought i would read through my MCE policy and make sure its correct and covers what it had advertised on go compare and make sure my details were all correct.

So....

1.) My policy had personal injury cover stated on go compare ticked

The policy details confirm that permanent total disablement would result in a maximum payout of not 1 million pounds but......... £1000 WTF?

2.)My policy had helmet and protective gear cover

The policy states that the maximum cover is up to £350, WTF. My gear easily costs twice that and i am sure many people who buy decent gear spend far more than that.

3.) I decided that i would take out the courtesy bike cover, i assumed like for like for the time my bike was being repaired.

MCE terms state courtesy motorcycle up to 125cc for maximum of 5 days. Well what a load of shit, how the am i going to get to work on the motorway using a 125cc bike? It will take 5 days to get to work and the cover will have run out before i can get home.

4.) I decided not to tick the box that says the bikes data tagged as i dont have the paperwork to prove this.

They have decided to tick the box on my insurance documents saying that i have my bike data tagged and if i was to claim they would need proof. I can confirm that i still have my go compare quote which shows that i did not tick this box.

5.) The date shown on the policy documents does not match the date i provided on go compare.

6.)The policy decides to inform me that i can not use the Nurburgring which rules out the trip i was planning later this year.

I thought MCE described themselves as an insurer designer for bikers. The terms and conditions seem to be the most anti-biker terms and conditions i have ever seen on a motorcycle policy.

Oh and i have had several calls from them since buying the policy simply advertising crap i don't want.

Just thought i would warn anyone so they dont fall for the trick with the personal injury , helmet and leathers and bike hire lack of cover they have advertised.

[Supermoto_Fan]

Welcome to the Club, never gonna go near them again. Shame they pull in loads of custom through sponsoring MCN and BSB etc etc
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Yamaha MT-09 - Triple powerrrr

[ian505050]

[kernow24]

Didn't read terms before taking out a policy..

Moans about it at a later date on tthe internets...

It's amazing that people don't read through say insurance and contract phone contracts, but I'm sure these same people wouldn't think twice about going through say a mortgage or tenancy agreement, or an employment contract with a fine tooth comb...

The bottom line is, never assume when you are entering any form of contract, no matter how trivial the type of contract may seem, as you have found, you are under covered, it could have been much worse...
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[ian505050]

[Lyam]

What do decent insurance companies pay out if you crash and end up in a wheelchair?

[andym]

I'm with MCE, I didn't read the terms and conditions, I don't plan to read the terms and conditions... I don't really plan on having to claim, or anything that means having to contact them any time in the near future either.

Unfortunately the law states I need to have insurance to use my vehicles, and at the time they gave the cheapest quotes, at the end of the year I'll have a look through the various companies and go with the cheapest again, and carry on doing that in the hopes that I never need to claim.

As for the personal injury thing, isn't there quite a lot of no win no fee solicitors out there that will deal with all that stuff for you anyway?

[Lyam]

But whatnot there's no one to blame for your crash and you end up losing a limb etc ?

[ScaredyCat]

[Thelostone]

It seems to me that MSE aren't offering personal injury or gear cover in any real terms. However by adding even a small amount of cover for these items it allows their policy to tick the appropriate boxes and thus come up on the comparison websites.

So the lesson here is by all means use the comparison sites but check anything that's important to you with the company you will actually be giving your money to before taking out the policy.

[DottyDuck]

i am with mce... the reason i choose them was because they were the cheapest (apart from another insurer but the excess would of been 1500.. rather than 750 with mce) but reading what everyone has put.. it is now very clear why they are cheaper than the rest.. lets hope we will never have to make a claim!
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CBT- 2012 Theory- 18/12/13 Mod 1- 07/01/14 Mod 2- 15/01/14
Old Bike: Zontes Panther 125cc - wrote off Current Bike: Kawasaki ZR7

[Hyaon]

Gone with cheapest and not read the fine print too.. If I wanted to be really nicely insured with backups, its 3 grand for a single bike...compare that to £980..for 2 bikes. I know the deal I got won't cover me very well if I fuck up, but that's the gamble for me. With roads filled with mental drivers, isn't it a Russian roulette anyway?
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Mod2 Passed 30/03/2011!
CBF125>GSF650 Bandit K8>B-King 2008+R1 2002

[Rogerborg]

They're all a bunch of crucking fooks, which is why I will only pay for the bare minimum 3rd party indemnity required by law.
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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

[dudders7]

I had Third party fire and theft, my bike got stolen on the 3rd of jan 2012, they paid out on the 8th of February 2013!! Didn't matter what I did they just kept fucking up, asked for crime reference number 8 times! Asked for copies of my driving license about 6 times. Asked for the keys and logbook 3 times before they realized they did in fact have it. Steer clear of MCE, not worth being a cheapskate.
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Riding in the sun in Australia on a 04 Worked ZX10R along with a fleet of other crazy toys

[KLR600]

[P.addy]

I never buy cover for gear or personal injury, if someone hits me, you get all of the money and stuff anyway... So no real hardship and i'll never claim if i smash a bike up or have it stolen.

[Musketeer]

I'm on TPF&T.. I always go for the cheapest quotes. I would go for TPO if it was cheaper, but somehow all my TPF&T quotes were cheaper than TPO ones.

To insure ZX6R it cost £80 per year I didn't read most of the T&Cs.

[Shinigami]

OP. If it was less than 14 days ago I'd just cancel and go with someone else, those terms are daft as fook
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Current: Honda City Fly CLR125 2003 Honda CB600F Hornet 2008 Yamaha FZ6 S2 + 1991 Kawasaki GPZ500
"Once you realize what a joke everything is, being the Comedian is the only thing that makes sense.

[Rogerborg]

[Piercee100]

I Kind of see where the OP is coming from with this. I had insurance last year with Swinton and despite telling them my bike was kept in the residential car park behind my house I discovered upon receiving my paperwork that my bike wasn't insured if left outside within 150m of my house. They then spent the next year sending me with spam e-mail's, constant phone calls about services I didn't want even when I asked politely to be taken from all mailing lists.

The final straw was when I got a phone call telling me my insurance was up for renewal. I had completely forgot about it being due so asked for a quote which seemed 3 times higher than it was the previous year. I asked when it was due since I was at work and I had no access to my paperwork. I was told it ran out at mid-day and advised I renew. I argued about the price increase and they fiddled the figures and dropped it by £50 and then offered me a further £50 cash back after 30 days.

It all sounded a bit crap to me, so went home and checked my policy that night (believing I had ridden home uninsured) to discover I had 20 days running on the policy! I went straight on a comparison site and got insurance cheaper than the previous year saving easily £200. I read all the T&C's (learning my lesson) and my insurance cover's everything I need including riding other bikes. Sadly Its with Hastings who I know someone on here had problems with but I've had no problems so far and hope I don't ever need them- again really just fulfilling my obligation to have insurance.

Swinton called my back and words were exchanged. Never again!
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Rides: Honda H100a (Retired), VT500e (Sold), Kawasaki ZX400 (sold), Kawasaki GT550 (Sold), Suzuki Inazuma (Daily), Honda CD185t (Broken), LML Star 2t (Last run edition).

[Walloper]

I was with MCE for three years (I think). 1st experience was a joke. After that it was a lot easier. Possibly personnel issues at MCE Mission Control.
There was no real issue after the first but any attempt to communicate with them via their email will result in zero response. It was always neccessary for me to call the idiots.

I lost it with them last renewal when I was looking for my proof of NCD. They got all stupid about sending me that until the policy expires.
The other fcukers I recently told to do one have T&C for renewal stating they will only issue Proof of NCD thirty days after a policy expires. This makes complication to renew with another broker. (Though most will call the last insurer for Proof of NCD.)

For some sad reason MCE premiums for me have shot through the roof so that was the main reason I dumped them.

BUT I HEARD HASTINGS ARE A REALLY NASTY OUTFIT TOO.

Just seen this

https://www.motorcyclenews.com/MCN/News/newsresults/General-news/2013/April/Warning-of-Motorcycle-Insurance-Creeping-Clauses/
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[Rogerborg]

[lllN30lll]

I'm with Bike Devil (they belong to MCE) and when I changed my plate over to my private one I think it was something like £11.
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Turbo R1
CRF450R

[Wafer_Thin_Ham]

I was with MCE last year. Never had an issue, don't think I ever changed anything though.

With Premium Choice now, as said, they're all the same, just different colours.
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[UnspeedySam]

I always read the Ts&Cs but I almost always go with the cheapest policy. I secure my bikes properly and the only one I would ever maybe claim on if it was stolen is the 6R as it's worth over a grand, unlike the rest of my collection.