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MCE insurance good / bad / avoid ??

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oldpink
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PostPosted: 00:38 - 12 Oct 2017    Post subject: MCE insurance good / bad / avoid ?? Reply with quote

my ins is due up in 3 weeks
have had two policy's with bennetts last year so have 2 years NCB
one on a 125 before I passed my test then 1 on my RR after I passed

Bennetts web page is quoting me a renewal for £682.86 on payments or £606.44 one off payment for full comp with a 250 voluntary excess
up on my last policy at £510 with 10 x £51 installments

Go compare says MCE is far better at £157

Summary
Premium: £157.83
Proposer Excess: Voluntary: £0 Compulsory: £650 Total: £650

Included:
Helmet and Leathers
Personal accident
Benefits
Includes full UK wide breakdown assistance
24/7 Claims Line and Courtesy bike
Plus: 183 days EU cover on ALL Policies

any feedback / dealings / horror story's / avoid like the plague comments welcome

but to me it seems a no brainer
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wristjob
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PostPosted: 01:17 - 12 Oct 2017    Post subject: Reply with quote

loyalty is worth nothing to the bastards.
is cheapest the best?
just because its expensive dosnt mean its quality.
the best insurance is the policy you dont have to claim on.
in my own experience its a lottery and you spin the wheel and take a chance.
people will say company x is great/shit.
all you can do is go with whoever offers something that looks like what you want,you will only find out how bad they are when its all gone wrong.
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Polarbear
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PostPosted: 01:20 - 12 Oct 2017    Post subject: Reply with quote

I was with them for years as they were the cheapest and for a while did 15 months for the price of 12.

Don't change bikes half way through your policy, it costs an arm.

Other than that, no problems with them.

However I never put in a claim with them so I have no idea how good/bad they are when you want money.
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Kentol750
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PostPosted: 02:14 - 12 Oct 2017    Post subject: Reply with quote

Interesting. MCE have mixed reviews. I've not heard good things regarding paying out after thefts.
However, the trade off is excess versus premium. Have you done compare sites with 0 voluntary excess as standard and a realistic value? Also a sensible mileage guess is good.
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Wheezybiker
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PostPosted: 05:51 - 12 Oct 2017    Post subject: Reply with quote

I'm with MCE and although haven't claimed anything
They were very good admin side weren't the cheapest but nor the expensivist
So far no problems only time will tell probably at renewal time
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bamt
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PostPosted: 06:36 - 12 Oct 2017    Post subject: Reply with quote

Personally, with those figures I'd go MCE.

If you claim and incur your excess, you've paid out £850 with Bennetts, compared to £807 with MCE (assuming you pay Bennetts in one go)

If you don't claim, you've got £450 in your pocket rather than theirs.
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Speedy2007
Renault 5 Driver



Joined: 24 Oct 2013
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PostPosted: 07:46 - 12 Oct 2017    Post subject: Reply with quote

I was hit by a driver running a red light on my S1000XR on 13 March 2016. Driver failed to stop. That was on a Sunday and I reported it to MCE that day and in more detail the next day. Bike did not go down and I was not injured. However the front wheel was smashed round so badly the bike was not rideable.

Next thing I heard from MCE, despite my chasing, was 22 April when they told me the bike would be collected for inspection. That didn't happen till early May and eventually I got the bike back in early September.

Nobody cared. Nobody called back when they said they would. I only got the bike back when I did after I contacted the chief exec. Customer service at MCE does not exist. They have no concern for individual circumstances and no-one will ever "own" a problem.

That said, I did get the bike back fully repaired. I saved a little bit of money by complaining to the ombudsman who awarded me a few hundred ponds in compo.

I decided that, to me, the hassle I went through with MCE was not worth the lower premium. I personally will never use them again but, as others have said, it's your decision.
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B0ndy
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Joined: 25 May 2015
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PostPosted: 13:29 - 12 Oct 2017    Post subject: Reply with quote

Been with them for a while now, no problems.
Recovery service was good when I needed it Thumbs Up .
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TbirdX
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PostPosted: 14:18 - 12 Oct 2017    Post subject: Reply with quote

£157.83

I'm beginning to think this is some kind of mythical magical number to MCE.

My NC750 is insured with them for...yup £157.83.

I'm currently looking for a new trail bike to replace the DT125, every single quote I run through, no matter what bike or cc comes out at...

£157.83 with MCE
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Ste
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PostPosted: 14:30 - 12 Oct 2017    Post subject: Reply with quote

MCE and their Big Ed spammed BCF which is truly unforgivable but apart from that if they're the cheapest then I'd go with them.

You'll hear stories from unsatisfied customers about all brokers and I'd be willing to bet that in most of those we're not told all the details.

I mean, what Speedy2007 says sounds like he's unhappy with whichever claims management company they passed his details to.
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Wheezybiker
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PostPosted: 16:00 - 12 Oct 2017    Post subject: Reply with quote

Tbird
Can you insure my bike then as it was 306 for me fully comp with all the bells and whistles Laughing Laughing
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TbirdX
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PostPosted: 16:49 - 12 Oct 2017    Post subject: Reply with quote

Wheezybiker wrote:
Tbird
Can you insure my bike then as it was 306 for me fully comp with all the bells and whistles Laughing Laughing


I could but after the tbirdadminfee of £150 it comes out at £307.53 so no saving really Wink
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DRZ4Hunned
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PostPosted: 17:17 - 12 Oct 2017    Post subject: Reply with quote

MCE are lying shitebags, but like feck am I going to pay double their quote for the next cheapest one.

I just suck it up, pay and whine about them whenever I get the opportunity Laughing
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Speedy2007
Renault 5 Driver



Joined: 24 Oct 2013
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PostPosted: 17:22 - 12 Oct 2017    Post subject: Reply with quote

Ste wrote:
I mean, what Speedy2007 says sounds like he's unhappy with whichever claims management company they passed his details to.


No claims management company involved, mate. Other driver didn't stop so no-one to recover from. All liaison was between me and MCE only.
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Ste
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PostPosted: 17:29 - 12 Oct 2017    Post subject: Reply with quote

What's you wanting to make a claim against another driver got to do with your insurance company?
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Speedy2007
Renault 5 Driver



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PostPosted: 17:49 - 12 Oct 2017    Post subject: Reply with quote

Ste wrote:
What's you wanting to make a claim against another driver got to do with your insurance company?


I had to claim on my own insurance as there was no identified third party. I don't think they'd have appointed a claims management company to handle my contact with them.
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Ste
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PostPosted: 17:51 - 12 Oct 2017    Post subject: Reply with quote

Speedy2007 wrote:
I had to claim on my own insurance as there was no identified third party.

https://www.mib.org.uk/making-a-claim/claiming-against-an-untraced-driver/
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Speedy2007
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PostPosted: 17:58 - 12 Oct 2017    Post subject: Reply with quote

Ste wrote:
Speedy2007 wrote:
I had to claim on my own insurance as there was no identified third party.

https://www.mib.org.uk/making-a-claim/claiming-against-an-untraced-driver/


Tried it but you can't use it if you have comprehensive insurance.
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M.C
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PostPosted: 18:34 - 12 Oct 2017    Post subject: Reply with quote

DRZ4Hunned wrote:
MCE are lying shitebags, but like feck am I going to pay double their quote for the next cheapest one.

I just suck it up, pay and whine about them whenever I get the opportunity Laughing

Same Embarassed I'm not paying £500 more for the next cheapest.
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Stevie GooGs
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PostPosted: 23:31 - 05 Nov 2017    Post subject: Reply with quote

Im looking at insurance atm and bennets addons are £250 fully comp, £200 excess bike is Superduke 1300cc value £10,500. Helmet Leathers / legal / breakdown as well.

Im currently with motorcyle direct
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MattEMulsion
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PostPosted: 23:42 - 05 Nov 2017    Post subject: Reply with quote

Stevie GooGs wrote:
Im currently with motorcyle direct

I wouldn't piss on Motorcycle Direct if they were on fire.

#Wankers
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MarJay
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PostPosted: 23:44 - 05 Nov 2017    Post subject: Reply with quote

DRZ4Hunned wrote:
MCE are lying shitebags, but like feck am I going to pay double their quote for the next cheapest one.

I just suck it up, pay and whine about them whenever I get the opportunity Laughing


Pretty Much this. I have my main policy with Carole Nash, but I have my CBR600 insured by MCE. I have had a few bad experiences with them in the past, but I needed the CBR insured cheap, and they served that purpose. I'm not going to ride it much on the road now, so I could probably cancel it, but I'm not sure if it's worth the hassle.
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arry
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PostPosted: 07:50 - 06 Nov 2017    Post subject: Reply with quote

DRZ4Hunned wrote:
MCE are lying shitebags, but like feck am I going to pay double their quote for the next cheapest one.

I just suck it up, pay and whine about them whenever I get the opportunity Laughing


Just be careful - they do have a few pitfalls. The ones I've seen often:
Value of vehicle stated is max they'll pay out - wording deliberately tied down whereas others are more open.
Garaging condition more onerous than others - no cover at any time of day within 500 metres if not in garage. That means you're not covered if you get off to open your garage door and it gets taken, or you get bike jacked at the end of your street. Others specify overnight times and sometimes just increase the excess instead of withdrawing cover.
Helmet and leathers, personal accident and any other bolt ons they inflate the premium with are garbage and not worth the paper they're written on - as if you'll GAF that they'll pay you 1500 quid if you've lost your leg or an eye FFS.
The quality of the securing paper - where is your certificate security actually coming from. If it's unrated offshore crap then be prepared to have to do it all again when the go bust - https://www.eigplc.com

It's sometimes not all that worth it; other times you're okay to play percentages.
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DRZ4Hunned
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PostPosted: 11:39 - 06 Nov 2017    Post subject: Reply with quote

arry wrote:
stuff


Also, they seem to have an agreement with Fletchers ambulance chasers. I had an accident and I made MCE aware of it, I was then bombarded by emails/ phone calls from Fletchers asking to represent me. Wouldn't surprise me if they were the same company...
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