Insurance Confusion

[Mr Knight]

Hi guys, first post on this forum as the other I'm a member of seems to have died a death.

Anyway I have a question regarding an insurance quote I have that maybe someone with more experience in the matter may be able to answer.

I've achieved a decent quote with MCE however I'm rather unsure about an option on the list of possible storage locations.

Basically my current living circumstances are the bike being stored in my back garden with a locked gate separating it from the outside world, however I've just been given the option to store it in a locked brick garage at a relatives who lives 20 minutes walk away. The options list of where the bike is stored at home address with MCE has an option of storage as 'kept on third party' which I'm guessing may be the closest to accurate as the bike obviously wouldn't be stored at home address.

I've tried getting in touch with them but the phone line has constantly been busy which obviously isn't putting them in a very good light but I'm hoping maybe someone on here could shed some light on the matter?

Does anyone else store their bike away from home address and if so how have you put it to the insurance?

Cheers guys (& girls).

[arry]

That would be most appropriate option. Don't forget - with the insurance act going through a year or so ago the onus is on the insurer to ask a clear fair and not misleading question so it would be extremely unlikely they'd be able to reject any claim on the grounds of where it's stored. They may try though which would be inconvenient.

I'd not insure with MCE if they paid me rather than the other way round, mind you.

[Moo.]

Is the garage at the relatives house? Or a separate garage?

Also begs the question, should the bike then be insured at their house, as it is kept there, and then use the brick garage option..
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A2 Passed 18/6/10

[Suntan Sid]

Arry is the professional, he should know!

It's very difficult to find any positive comments about MCE, the general concensus seems to be they're shiite, nearly as crap as Hastings.
Do some research and find a better insurer!
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"Everybody needs money, that's why they call it money!"

[kramdra]

They had no issues with me storing my cbr250 20 miles away in a brick garage. Best to phone them, so any mistakes in choosing the correct option are their fault.

However I stated that they are kept on the road - which might cost a few pennies more, but means I am insured for theft if for any reason I left the bikes out (I might move and not have a garage, its cheaper to tell them now than when changing address).

Same with security chains. I might not use one 100% of the time (never on the CBR6) and I do not want it to be a condition for them to reject a claim.

[arry]

[kramdra]

And they do. I belive they endorse all policys with MCE3 (even if no security declared) and any garaged policies with 4 or 5. The definitions of the endorsements being in a separate document, which is not emailed with the others (there is a link to download it in a seperate document in the email, quite sneaky, as they could change the wording - does not appear to have a date/version).

[Andy9934]

[Northern Monkey]

[arry]

Interesting. Just went back through my bike sure docs from when I disclosed a chain and nothing like that in there.

Definitely no worth declaring security then

[Northern Monkey]

I use a Sold secure disk lock in order to satisfy the criterion, as my chain isn't sold secure rated
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Fisty: after polishing the tank with the glistenng beads of sweat from my full hot scrotum, I filled the headrace bearings with 10cc of my manmilk

[NJD]

On the topic of insurance I decided to check my documents, and found this:

MCE16 – Non approved repairer excess:

If following a claim you decide not to use our approved repairer then an additional excess of £300 applies.
This excess will apply in addition to any other excesses under your policy.



Only a few more months, only a few more

[Rogerborg]

I'd consider MCE policies to be effectively Third Party Only, regardless of what level of cover you think you're buying.
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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

[NJD]

[mentalboy]