MCE, or Motorcycle Direct insurance any good?

[0l0dom0l0]

I know the views are mixed on insurance compaines so its a bit of a difficult question to answer.

Basically im coming up to my 17th birthday, and i have my nice fazer sitting in the garage waiting to go once i pass my test (hopefully). the insurance details came through on my current bike (derbi gpr 50 2007), with a renewal quote of £408 fully comp!!

For the last couple of months i have been using gocompare to get me quote for my insurance on the fazer. they were all coming back at around £600TPFT. This was with hastings bike team.

Anyway, just went on now to check, and i have just got a quote for £404.33TPFT, from MCE. this is also backed up by a quote of £468 by motorcycle direct.

obviously this is considerably cheaper, and they say, if its too good to be true, it usually is. (i have learnt this the hard way before).

anyways, my question lies with the fact that both of these are very respectable quotes. now, has anyone used these companies before? or are using them? what are they like?

Some info would be good as i dont want to get caught out on this, i cant afford to as im pushed to the limit at the moment.

thanks !!

[arry]

[0l0dom0l0]

ahh okay. thank you. i thought there was going to be a catch.

so how does it work though? if i clicked the buy now link online, do i still get insurance?

thanks

[multijoy]

MCE offer free breakdown cover. I've not had cause to either claim or use the breakdown cover, but they've had no issue changing details mid-term for nowt.
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[0l0dom0l0]

do you know via which company that was with?

[That_Hornet]

Yes, but be sure to check what you get. Cover wise, helmet/leathers, brakedown/euro cover ect.

[0l0dom0l0]

will do. it comes with free breakdown recovery. thats about all. but tbh, thats all im after!

[arry]

[multijoy]

[0l0dom0l0]

[arry]

[plugger147]

I was with MCE last year, didn't make any sort of claim with them and had no problems but for some reason when my renewal came round this year they want triple the amount of last years premium. A quick look around and I found this years insurance for £40 less than last year.

So nothing bad to say about them really just make sure you shop around when you get your renewal next year.
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Tristan the wrote: just whipped off my trousers to find a big bruise on my arse, caused by matt rear ending me...

[gmanxiii]

I was insured with Motorcycle direct, they were ok i suppose, although I was insured TPFT and was hit by a drink driver jumping a red light who turned out "might" had been uninsured. They didn't want to know and wouldn't even send someone to inspect the bike until it was established that the drink drivers insurers would cover him and they was falling over themselves to offer me a hire bike etc. The handling of my claim was then passed around 3 different people over the course of 6 months, everytime i rang up to see if they had progressed anymore it was someone else who was assigned to my case. All sorted in the end but as this was my first claim I dunno if this is a typical experience most people go through.
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I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[0l0dom0l0]

Okay thanks for the replies.

What do you meen when you say, 'its a loyds market, dont expect miracles'?

are you refering to claims?

[DrDonnyBrago]

Was with MCE last year, didn't claim though so I don't know how they are beyond their sales dept.

Free breakdown cover is nice.

[Shaane]

I was with MCE last year didn't claim and still lost my second years no claims because they cancelled my policy 22 days before it was up, I fully payed for it at the start of the year and when i bought my ninja i phoned them up to ask for a quote and it was to expensive so i told them i won't be renewing with them the following year so as a result they cancelled my poilicy. Really was not happy.
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EMRA Roadstock #92 - Paperwork Permitted.
Previous: 1992 DT125R
Current: ~ 2005 ZX6R C1H

[m0l0t0v]

What nobody has mentioned is that those 2 quotes are fine. Even if they're lower than normal (a mistake basically) once you have entered into the agreement and paid they have to honour the insurance. There's been a few cases here recently...
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[m0l0t0v]

[pinkyfloyd]

[truslack]

I've been with motorcycle direct for the last year, I have no complaints about them. Admin charge for changes to policy was £25 though.
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Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[m0l0t0v]

[Shaane]

[Shaane]

[m0l0t0v]

[Shaane]

Nah i couldn't post it at the time mate. I'm in the navy so i struggled to get access to computers while my ship was in and out of harbour.

Ninja is insured now yeah and i lost my second year no claims because it was 22 days short. I still have my first year though.

I got bored argueing with them when i did eventually get time to call them so i just thought i'd stomach my losses and get on with my ninja.
____________________
EMRA Roadstock #92 - Paperwork Permitted.
Previous: 1992 DT125R
Current: ~ 2005 ZX6R C1H