MCE Insurance

[sinedtomuch]

Just had a delightful phone call with a manager at MCE. I now understand why everyone hates this company.

I've had my policy 2 months and I've decided to cancel as I'm not using my bike nearly enough with the thought of taking out insurance later in the year for the summer period if I fancied it.

Policy cost £200 for the year, just about 2 months in and I'm getting a £50 refund. This is absolutely shocking, I was expecting to lose around 25-40 of it due to a cancellation fee however I wasn't expecting to find another fee which is 50% of the refund depending how far into the policy you are.

I've sent an email away to the ombudsman however it was more to vent than anything else as I suspect they will just say you agreed to it when you ticked the terms and conditions box. However I will not be making the mistake of taking out MCE again, arseholes.

[DrSnoosnoo]

For that petty refund, I'd have just left the policy running for the no claims bonus.

The internet is littered with poor reviews for MCE yet we always read stories like this ...
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Rogerborg]

After the statutory 14 day cooling off period, neither the underwriter nor the broker are obliged to give you back so much as a penny and can charge you a fee (which is not required to have any connection to their actual costs) for cancelling the policy.

I'm guessing you're getting 50% of the premium back less a £50 fee?

Honestly, I have no idea why people think of an insurance policy as some sort of depreciating asset. Consider it a sunk cost the moment you pay it, with anything that you get back being a bonus.
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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

[andym]

Been with them for 4 years now and still not had any problems.

[JoeDaStudd]

Like DrSnoosnoo I'd have left it running worth it for the no claims bonus and the ability to go for a ride if there is a nice day.

[sinedtomuch]

To be honest I kind of agreed to it then thought, no that can't be right. Phoned back up and it couldn't be reversed. Spoke to Rob Right from MCE, lives up to his name at least.

[Pie-Roe]

MCE have been cheapest for me for years.
Their preferred or owned solicitors Fletchers are shite though. My seperate solicitor had to take over defending a counterclaim against be because they missed time frames for court and evidence and just didn't really have much going on.
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Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX

[Motorhate]

[M.C]

^ what they said. MCE were crap before I had to claim, they charged me twice for my policy & failed to send out insurance documents. Then going through a claim was a nightmare, avoid Fletchers at all costs.

[DRZ4Hunned]

I reiterate what everyone else has said, see my thread below about their incompetence.

https://www.bikechatforums.com/viewtopic.php?t=310489&highlight=
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DRZ400-SM
FZS600

[Ste]

MCE spammed BCF.

[andym]

[Doomsnite]

Paid £176 for mine in Dec and to cancel if i sell, I'll get £81 back. Or they'll reinsure the new bike for me, at £150 more than everyone else is quoting!
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Triumph Street Triple-R
Sold: Honda Hornet CB600F-Y / Yamaha YBR125

[Hahadumball]

i was insured on a chinky cg copy as a first bike, bought a new bike went to change insurance over and they said they couldnt insure the new bike because its too powerful.. it was another 125..

i questioned this they said they thought the cg was a moped so they have to cancel the insurance as its void...

they canceled my policy on me.. then chased me for about 6 months for a £90 cancellation fee even though id told them to go forth and fornicate with themselves.

they eventually got the idea.
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Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015

[NJD]

Another one for would have been an idea to keep it running regardless as you've paid for the policy anyway. Oh well, could of done this could have done that etc is a lesson learnt for the future and all.

I'd preach the "buy the cheapest possible policy, don't give the insurance company a reason to need to contact you and finally try not to crash."

I'd seek advice on here in regards to anything insurance related prior to phoning the insurance company because everything's recorded and once you've said something and put your foot in it so to speak there's no going back. Once you've received an insurance certificate I'd consider that the last bit of contact with the company for the year, with the exceptions of moving address and alike. Also remember any advice you do ask for goes like this "my friend needs help with x y z," get it?

[talkToTheHat]

MCE tried to screw me on a refund. Read what they sent you carefully, write a written complaint explaing why they are wrong, demand correct amount including interest at the same rate you were paying on finance. Impose penalty charges on them equivalent to those they would impse on you for late payment. For any incorrect cheque, tell them you'll "keep that as an apology". It's hillarious as mce really can't count. They tried to tell me i asked for a refund in the last 90 days of my policy so i listed the 120 or so days that they owed me for. Took ages, but eventually got a satisfactory sum.

Ombudsmen won't do anything unless you have complained and they have not offered a solution.

I have to say the experence between crashing and getting a payout was much better with mce than swinton, in the actually doing the full comp thing and looking after me MCE were worth the money, and their pet solocitors were at least semi-competent.
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Bandit. does. everything.

[gorillaonabik...]

Unfortunately, MCE is the only insurance company in the UK that will insure me...
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FZR400 (blown engine), ZXR750 (blown engine), ZX6R (accident), CBR600 which had engine issues after which I learned to change gear..., CBR900, CBR924 (stolen), CB600, CB1300 (everything blew up), BMW K1300GT (written off, hit from rear while stationary), Bandit 1250 for a couple of months, Triumph Sprint ST 1050 (nicked) and somewhere in there, I wrote off a Ducati 748 at Cadwell.

[Silver_Fox]

Wha wha whaat?
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CBR600 F3 FV
CG125

[M.C]

... but they're cheap Just quoted me £307 when the next cheapest was £591, and that's on a TPO policy so no rapey excess.

[Silver_Fox]

Why will only one company cover you? Did I miss something?
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CBR600 F3 FV
CG125

[andyscooter]

[Silver_Fox]

Even so.....I'm sure there must be something else awry on the quote. I was an insurance consultant for 3 years. I've repented now though
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CBR600 F3 FV
CG125

[kramdra]

You also have the option of a charge back, which is harder for them to contest.

[finniee]

To be honest, I haven't had any problems with them.

When I got my new bank card I forgot to update them with the new details, they phoned me and said "We are unable to take payment....", I thought they were going to charge me an extortionate "admin" fee, they didn't take anything to update.

In fact the only problem I had with them was the constant phone calls especially at 8/9 in the morning after I had came home from night shift, I told them that it would be easier to email me with what they are trying to offer me and Ill get back to them.
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Honda CBF125

[.....]

MCE were about £100 cheaper than the policy I eventually took out with a different insurer. I went with the more expensive one because MCE (and the ridiculous £750 compulsory excess).