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MOD 2 passed MCE insurance wants money ?

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QWERTY125
L Plate Warrior



Joined: 21 Jan 2018
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PostPosted: 12:51 - 21 Jan 2018    Post subject: MOD 2 passed MCE insurance wants money ? Reply with quote

Hi all

Just passed my MOD 2 (thanks Smile ) called up my stupid MCE insurance people to let them know that now I am that little bit more safe on the road as I attained my full licence.
They asked me to pay them £70 pounds ( that's HALF of what Paid for the whole year) I told them that's ridiculous and just ended conversation there.

After reading other topics on this some insurance companies don't even care. But for my peace of mind...

Does anybody know the Legality in all of this? Am I required by law to tell my insurance company that I passed the test? Anybody know?

THANKS Smile
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mauzo
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PostPosted: 13:02 - 21 Jan 2018    Post subject: Reply with quote

Doesn't matter if you are required to or not, you have now. If you make a claim they'll likely say your insurance is invalid unless you pay.
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QWERTY125
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PostPosted: 13:07 - 21 Jan 2018    Post subject: Reply with quote

well I haven't paid them. but If I get stopped by police would they bother with it. ? as my main priority is not to lose licence?
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arry
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PostPosted: 13:23 - 21 Jan 2018    Post subject: Reply with quote

How much of the 70 quid was their administration fee?

How far are you through the policy period of insurance?
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The Shaggy D.A.
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PostPosted: 13:26 - 21 Jan 2018    Post subject: Reply with quote

QWERTY125 wrote:
my main priority is not to lose licence?


Then you'll want to avoid an IN10, 6-8 points for 4 years.
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QWERTY125
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PostPosted: 13:27 - 21 Jan 2018    Post subject: Reply with quote

The Shaggy D.A. wrote:
QWERTY125 wrote:
my main priority is not to lose licence?


Then you'll want to avoid an IN10, 6-8 points for 4 years.


what's a IN10/
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QWERTY125
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PostPosted: 13:29 - 21 Jan 2018    Post subject: Reply with quote

arry wrote:
How much of the 70 quid was their administration fee?

How far are you through the policy period of insurance?


i think only like 13

and im half way through
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arry
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PostPosted: 13:29 - 21 Jan 2018    Post subject: Reply with quote

QWERTY125 wrote:


what's a IN10/


Imagine the biggest dildo you can buy pushing up your colon.
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arry
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PostPosted: 13:34 - 21 Jan 2018    Post subject: Reply with quote

QWERTY125 wrote:


i think only like 13

and im half way through


Don't think; know. It's in your documentation. Read it.
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Rogerborg
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PostPosted: 13:40 - 21 Jan 2018    Post subject: Reply with quote

What's the problem here?

If it's in your contract that you're supposed to tell them about being licensed, then great, you've told them. Job done.

I'd be almost certain that it doesn't say "You must tell Us and then You must pay a usurious fee or You're totes voided legit."

Wait for an invoice, respond with a complaint, clearly worded as such. Make them work for their money, so hard for it, honey.
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QWERTY125
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PostPosted: 13:44 - 21 Jan 2018    Post subject: Reply with quote

arry wrote:
QWERTY125 wrote:


i think only like 13

and im half way through


Don't think; know. It's in your documentation. Read it.


Mid term adjustment Administration fee for change of registration, removal of
vehicle, change of address
£17.50
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The Shaggy D.A.
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PostPosted: 14:03 - 21 Jan 2018    Post subject: Reply with quote

QWERTY125 wrote:
The Shaggy D.A. wrote:

Then you'll want to avoid an IN10, 6-8 points for 4 years.


what's a IN10/


"Using a vehicle uninsured against third party risks"

https://www.gov.uk/penalty-points-endorsements/endorsement-codes-and-penalty-points

If MCE decide that your insurance is no longer valid because you failed to cough up their blackmail money, then you have no insurance. Get pulled, you're fucked.
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Previously : CB100N > CB250RS > XJ900F > GT550 > GPZ750R/1000RX > AJS M16 > R100RT > Bullet 500 > CB500 > LS650P > Bullet Electra X & YBR125 > Bullet 350 "Superstar" & YBR125 Custom > Royal Enfield Classic 500 Despatch Limited Edition (28 of 200) & CB Two-Fifty Nighthawk > ER5
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QWERTY125
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PostPosted: 14:15 - 21 Jan 2018    Post subject: Reply with quote

"Using a vehicle uninsured against third party risks"

https://www.gov.uk/penalty-points-endorsements/endorsement-codes-and-penalty-points

If MCE decide that your insurance is no longer valid because you failed to cough up their blackmail money, then you have no insurance. Get pulled, you're fucked.[/quote]

So technically I'm in their hands... Crying or Very sad or cough up the money and then pay even more in a month when i get a new bike Crying or Very sad
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arry
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PostPosted: 14:26 - 21 Jan 2018    Post subject: Reply with quote

Rogerborg wrote:
What's the problem here?

If it's in your contract that you're supposed to tell them about being licensed, then great, you've told them. Job done.

I'd be almost certain that it doesn't say "You must tell Us and then You must pay a usurious fee or You're totes voided legit."

Wait for an invoice, respond with a complaint, clearly worded as such. Make them work for their money, so hard for it, honey.


This.

But I would send an emailed copy of your pass cert to be thorough.
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supZ
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PostPosted: 14:41 - 21 Jan 2018    Post subject: Reply with quote

Never understand why people use MCE.

All I ever hear are silly charges, doubling insurance cost for the 2nd year, claims ignored, additional charges for hires, etc..
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QWERTY125
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PostPosted: 15:12 - 21 Jan 2018    Post subject: Reply with quote

supZ wrote:
Never understand why people use MCE.

All I ever hear are silly charges, doubling insurance cost for the 2nd year, claims ignored, additional charges for hires, etc..


Just because any other quotes where double price Neutral
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brains_t
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PostPosted: 15:20 - 21 Jan 2018    Post subject: Reply with quote

They are obliged to inform you at your last recorded address if they intend cancel your insurance and the reason why. This is not the same as voiding it in the event of a claim. I didn't tell them when I passed but then wasn't long before I got a bigger bike.

Read the policy for advice as this is a significant change and you are now able to ride on motorways, have pillions and all without indication you are a learner.
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QWERTY125
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PostPosted: 15:27 - 21 Jan 2018    Post subject: Reply with quote

brains_t wrote:
They are obliged to inform you at your last recorded address if they intend cancel your insurance and the reason why. This is not the same as voiding it in the event of a claim. I didn't tell them when I passed but then wasn't long before I got a bigger bike.

Read the policy for advice as this is a significant change and you are now able to ride on motorways, have pillions and all without indication you are a learner.

nothing specific on policy about that Sad
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Polarbear
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PostPosted: 16:07 - 21 Jan 2018    Post subject: Reply with quote

Take whatever advice 'arry gives you, he knows you know.

And learn from it - MCE are great for cheapness. Just if you change anything they sting you. I was with them for years purely because no one came close on price.
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NJD
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PostPosted: 21:59 - 21 Jan 2018    Post subject: Reply with quote

Welcome to the hard learnt lesson that is being honest doesn't pay (minus the irony).

I recently emailed MCE in order to obtain proof of no claims because while we're both happy with me not having a copy it wouldn't be long before, in the event of a claim, they'd request the proof of no claims they'd failed to provide me and, to no surprise, they sent me what I had asked with the wrong information: one years more bonus than I actually have. It's pointless to expose given at the end of this year, hopefully, it will be my true number but it shows how little they play attention to their own system.

Best of luck noticing any difference in details on documents pre and after declaring a change.
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borked
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PostPosted: 08:29 - 22 Jan 2018    Post subject: Reply with quote

Rogerborg wrote:
What's the problem here?

If it's in your contract that you're supposed to tell them about being licensed, then great, you've told them. Job done.

I'd be almost certain that it doesn't say "You must tell Us and then You must pay a usurious fee or You're totes voided legit."


I did this with Carole Nash. I spoke with them after getting back from my test and they requested a £40 administration fee.

Started a complaint with one of their "product specialists" confirming with them verbally several times that I was still insured (which I was). As I had upheld my obligation to inform them of a change. After 3 days they called and said they were happy to let it go on the basis I'd not long taken my policy out with them.

Just complain until they get bored of talking to you.
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arry
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PostPosted: 09:07 - 22 Jan 2018    Post subject: Reply with quote

If the admin fee really is as small as being suggested then that's all they'll have the authority to waive. The rest of it belongs to the insurer. They'll chase and if they can't get it, they will cancel the policy.

Of course they could phone the underwriters, speak to the guys there who will of course be highly skilled, sensible, rational, and above all well versed in motorcycle licencing - being keen bikers themselves. Once they've explained the situation I'm sure they'll agree it's a silly charge................ Wasted Dance!
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M.C
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PostPosted: 13:59 - 22 Jan 2018    Post subject: Reply with quote

QWERTY125 wrote:
supZ wrote:
Never understand why people use MCE.

All I ever hear are silly charges, doubling insurance cost for the 2nd year, claims ignored, additional charges for hires, etc..


Just because any other quotes where double price Neutral

^this Sad If it makes you feel any better the same thing happened to a pal, we both got our full A license on the same day, he told his insurer and was charged £70 to carry on riding his 125. My policy had expired a week or so before, so I sold my 125, bought a big bike and put the money towards insurance on that Razz

It's (another reason) why I don't understand people on here pushing learners to do their tests ASAP, unless you plan to change bikes it can be an expensive outlay for no real benefit.

NJD wrote:
Welcome to the hard learnt lesson that is being honest doesn't pay (minus the irony).

I recently emailed MCE in order to obtain proof of no claims because while we're both happy with me not having a copy it wouldn't be long before, in the event of a claim, they'd request the proof of no claims they'd failed to provide me and, to no surprise, they sent me what I had asked with the wrong information: one years more bonus than I actually have. It's pointless to expose given at the end of this year, hopefully, it will be my true number but it shows how little they play attention to their own system.

Best of luck noticing any difference in details on documents pre and after declaring a change.

Apparently renewal letters count as proof *fires up photoshop*. Also that's a happy mistake Thumbs Up
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arry
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PostPosted: 14:22 - 22 Jan 2018    Post subject: Reply with quote

M.C wrote:

It's (another reason) why I don't understand people on here pushing learners to do their tests ASAP, unless you plan to change bikes it can be an expensive outlay for no real benefit.


It's of huge benefit in a lot of circumstances:
1) You get to lose the L plates.
2) You can use motorway sections when the need arises, which even at a steady 55-60 are still a lot quicker than A roads.
3) If it's your first pink licence you're starting off your NDA countdown.
4) You get some actual training if you do it via a training school and that's never a bad thing (unless it's bad training, but that's a separate point).

The outlay we're talking about here, for reference, for 6 months remaining policy, is £70. It's hardly a groundbreaking amount of cash. I appreciate it could have been a lot worse, however, so I would stipulate the way to approach these things is, as always, as pragmatically as possible:
1) If the cost to cancel the policy outweighs the cost of the mid term adjustment, then you'd be bloody nuts to do so.
2) If the cost to take out a new policy and cancel the other one ends up +/- the same as the continuation of your existing then you may as well get yourself the year's NCD.
3) If the cost of the MTA is so great that 2) isn't true even when taking into account the NCD then you're better off just pulling the plug and taking out a new policy.
4) Wibble.

At all times, notwithstanding the above:
1) Make the broker work for the cash and don't just blindly pay up; you've informed them as per your obligation and if they don't follow up then that's their problem.
2) Ask them to speak to the underwriters regarding your circumstances to achieve a waiver of the additional premium; because it is clearly unfair that now you are better trained, better qualified you're more of a risk - it doesn't stand to reason. I expect it will achieve nothing, but your complaint will be stronger for your suggesting they do so.
3) Complain regardless. Don't come on here and whinge - get your elbows out where it matters. Here achieves nothing (Bodytard #armchairexpert).
4) Wobble.

Cutting back to the crux of the issue here, there's a number of key points:
1) They can't avoid the policy on the grounds of non disclosure, because you've disclosed everything to them - this dispute is purely premium collection related. They also can't avoid the policy even if you wouldn't have told them because by offering you continuation (even if it is at increased cost) they've affirmed that they would have provided cover for you so there is absolutely no inducement into contract.
2) The policy you have been issued is not 'void' regardless of the Statement of Fact being inaccurate in respect of your licence status; you've informed them of a change of circumstance, and if they've not issued a revision then that's their problem.
3) The police won't be able to tell - if you get pulled and you've no L plates then you've got a pass certificate, and an insurance certificate, and you'd be pretty stupid to present them with a copy of your schedule at any point in any discussion - that's a definite no comment type of situation. If they call MCE and ask, and MCE tell them you're still down as a provisional licence holder, then you ask the officer to confirm with them that you've made your disclosure. The argument is about payment of an amount owed, but cover is still operative as they have not issued cancellation.
4) Jelly on a plate.

But I doth wonder whether my advice shalst be in vain, since thine OP is somewhat thalidomidey.
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arry
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PostPosted: 14:40 - 22 Jan 2018    Post subject: Reply with quote

brains_t wrote:
They are obliged to inform you at your last recorded address if they intend cancel your insurance and the reason why.


Not so; no reason need be given. It's good practice to, of course, but it's not what the cancellation condition would state.
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