MCE Insurance Being Difficult about Payout

[guile]

Had a write-off due to theft and they won't refund the remaining months of my insurance premium because they say that's their policy although I cannot see it in my documents anywhere.

Also, when valuing the bike, they say they don't take into account location - I live in London so it's going to be more costly to replace than other areas. They also say it's irrelevant the bike still had a warranty when doing the valuation.

Do I have any ground to contest?

[Evil Hans]

[arry]

[Robby]

MCE are terrible. They did a similar thing to me years ago. Then it got worse.
Apparrently there was an additional £50 discount on the policy as some kind of special offer, with a condition that I would have to pay that back if I cancelled the policy within the first 3 months.

My bike was stolen within the first 3 months of the policy. They paid out, cancelled the rest of the policy with no refund - same as you're seeing. Then about 2 months after that they wrote to me and asked me for the 50 quid, because the policy had been cancelled within the first 3 months. By them.

I refused to pay of course. I think they eventually sold it to debt collectors.

I have had quotes where MCE come out about half the price of others. Still wouldn't go near them.

[MarJay]

Not a fan of MCE, as with Robby. When they sponsored BSB they suddenly had more business than they could cope with, and as a result their customer service seemed to fall off of a cliff.

That said, neither of the things the OP has reported are beyond the realm of experience with ANY insurer. Whether it's right or wrong is kind of moot, it's just the way it always happens.

Always argue the price. Forget trying to get a refund on your premium. The premium pays for the policy which is what pays out. If you don't pay for the policy, you don't get the payout.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[rpsmith79]

[xX-Alex-Xx]

MCE often come back with (one of) the lowest renewal quotes for me yearly, but I've heard a few horror stories from them that put me off. Oddly their trust pilot rating isn't too bad though.
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DILLIGAF

[MCN]

You took out an option to 'borrow' money to pay for an insurance premium.
The agreement was to pay back the borrowed cash over the next year.
You have had insurance cover since you purchased the policy.
That money was to buy the cover. (In the event that you met with an 'accident'.)

You met with an accident.
Your policy is now being used to pay damages sustained.

You are owed Zero from 'un-used' policy because you have used it.

It is not Rocket Surgery.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Evil Hans]

[MCN]

[sickpup]