Insurance question - plus MCE like to rob you etc

[djrikki]

Quick Q.

Insured my previous bike (Honda CBR125) back in mid January, paid in the one go for about £350 fully comp yada yada. Called up MCE to get a quote on the Yamaha 600 2 weeks ago and they wanted an additional £350 to swap me over.

I'd already found Devitt via gocompare.com which would do it for £300 so I told MCE since they couldnt match / beat I'd move on and they said they would send a cancellation thingy for me to sign and return.

2 weeks later nothing has appeared so called them back and they said they didnt have a note I wanted to cancel. Girl on the phone went through the spiel and said out of the £350 I'd be entitled to a refund of £45 :O

Seems you get arse raped if you pay up front in the one go and then upgrade bike later down the line and dont like their pricing.

Now what I was told by a colleague in work is since I've changed from BikeSure in November on my CBF to MCE in January and now on to Devitt 2 weeks ago I've not accumulated any no claims bar the 2 weeks on my current policy - is this right?

He also says for the sake of £45 if this is the case just keep the policy running till next January where I'll have 1 year no claims.

Whats the thoughts on all the shenanigans ?

A confused Rikki
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CBF125 (Rusty Bin) -> CBR125R (WeeBR) -> Yamaha XJ6 Diversion F -> Suzuki GSXR750 L1 -> Suzuki GSXR750 L1 (Mark2)
CBT: 01/11/13 - Theory : 01/05/14 - Mod 1 : 11/05/14 - Mod 2 : 14/05/14 - Yam Div F : 16/05/14 - Gixxer : 02/04/2015-15/07/2015 RIP - GixxerMk2 : 16/08/2015

[map]

MCE iirc are 125 specialist/dealers so to change to anything other than another 125 you will get raped because it's not in their ballpark. They have a reputation for this but sucker young/first time riders in with cheaper insurance.

You do only accumulate no claims for full year(s) in my experience (I've never heard of part years, others may correct that).

Also iirc the jury's out on the legality of having insurance on a bike that isn't now yours. As new owner will also get insurance. Again, others may correct that. If bike still yours then just SORN it once insurance expires/cancelled.

For me if you have taken out new insurance without saying you had the no claims from MCE then I'd just say sorted and get at least £45 back. This as I imagine hard to retrospectively add one years no claims to a policy that's already running (and accruing no claims).
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...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger?

[j.silvs]

I have had nothing but a good experience from MCE! Even throughout my claim and any other queries I have had!

Might just be me tho

[hedgehugger]

In the past we've left the insurance running after selling a bike.
When we looked into the legalities of that (didn't look deeply I'll add), it appeared to be ok, just that you cannot have 2 insurance claims for the same bike. Which of course you wouldn't want to.

[Rogerborg]

[Baffler186]

[Moxey]

A little surprised they're only giving £45 back, how much of the policy is left to run?

I cancelled a policy with them once 6 months in and they repaid me roughly half of the original sum proportionate to the overall fee (£66 out of £130) and that was on a 600, must depend on the underwriter I figure.
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Current: 02 FZS 1000 & 51 Moto Guzzi California Some Bike Pics...
'I was too busy paying attention to pay attention'

[Jayy]

Been with MCE for a couple of years now and no major issues. They're a bit fucking thick on paperwork but that's to be expected from the type of fucktards that usually work in them places.

Not had to claim though...

[djrikki]

[P.]

When I insured one of my bikes, it cost £89 and I got £23 back 16 days later

[iooi]

[_mjs_]

I just paid £1200 to insure a car and the insurance company actually had the cheek to charge me another tenner to post out the paperwork 1st class, which by the way, hasn't arrived yet
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Previous Bikes: 2006 Honda XR125L > 2003 Yamaha DT125R > 1996 Honda CB500
Current bikes: 1997 Kawasaki ZZR 600 E5 > 2006 Honda Varadero XL125V

[BrownTrousers]

[djrikki]

[MC]