Question about MCE insurance company.

[Mihail]

I have a question about the insurance policy. I'm going to buy my first motorcycle, 125cc since I am training to pass the full A. I decided to see how much insurance will cost me and found that one insurance company offers insurance two to three times cheaper than the others - it is MCE.

 I looked at reviews of this company on the Internet - MCE has more bad reviews than other companies. It all seemed suspicious to me.

Could you please tell me. I am new here, have never bought insurance in the UK and I don’t know all the subtleties. Maybe I should avoid this insurance company? Is it realistic to get insurance payment from them In the event that something happens?

[TbirdX]

MCE will always come out the cheapest and I insured a few bikes with them, no problems.

However, I had no reason to make any claims so it fulfilled it's purpose for me.

I am no longer with them but I would use them again with the expectation that any claim would be a nightmare.

You pays yer money...or you don't. Up to you.
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VFR800X - TTR250

[Riejufixing]

[Ste]

MCE spammed BCF with their Big Ed crap a few years ago which is unforgivable.

[Polarbear]

I've used them because they were the cheapest. I've used other because at that time they were cheaper.

I work on the principle that whoever you are with is going to be a pain in the arse when and if you come to claim so I go with the cheapest.
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Triumph Trophy Launch Edition

[Hong Kong Phooey]

Their compulsory excess might be higher too, meaning on a cheap 125cc you're effectively 3rd party.

3rd party only was cheap many moons ago, then the cartel upped it so much it was often cheaper to go fully comp.
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'81 CG125, '97 FZS600 : '99 CBR600F4, '09 KTM RC8

[colink98]

bounce between MCE and Carol Nash depending on who the cheapest.

much the same if you ask me.
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PCX125 (stolen) - CBF600 (current)
Ride it like you stole it.
ride sensible and not like an idiot and you wont get 6 points in one week.

[McHattrick]

I used MCE for a 125 and my sons moped last year.
I completed everything online. Quote was very good and process simple.
It may be more complex if you have to make a claim.
Where are you seeing these bad reviews?
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If it aint broke... fix 'til it is.

[Mihail]

[ThatDippyTwat]

Having a valuable bike in London, bike theft capital of the UK, *is* going to be expensive, no matter what.

There's zero point getting a policy that won't pay out, either because you didn't read it properly, didn't comply with the terms (security, location overnight etc), or they just drag it out. You might as well buy hookers and blow with the £900, you'll actually get something out of it. If the policy is 3 times cheaper, then I'll wager there's something in there you haven't read or understood.
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'98 VFR800 (touring) - '12 VFR800 Crosrunner (Commuting) - '01 KDX220 (Big Green Antisocial Machine)

[Monkeypony]

My first RSV4 was insured by MCE when it was written off.

They paid out.

As insurance goes, that's pretty much all you can ask for!

Would I use them again? If they happen to be the cheapest, yes.
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Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)

[Riejufixing]

[Easy-X]

If it's a rat bike then you just get the cheapest you can but something new is probably worth considering at least one step above the bottom rung.

Have you considered holding off on getting a nice new shiny bike for a year? NCB might make some difference.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Polarbear]

Any insurance for anything, house, car, bike etc. you have the same problem

People mostly only post bad situations. Yes, MCE get a good few moans but how many claims are processed with no issues? Probably more than the expensive companys because a lot more people go with MCE for the cost.

Please note, I have to connection with MCE or any other insurance company and generally regard them all as robbing cvnts.
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Triumph Trophy Launch Edition

[hume]

I've insured my bike with MCE as they were by far the cheapest. Every other insurance company wanted £2800+, but MCE's price was £856. Although the catch is the excess, which is £2000.

I was wondering how many years before the insurance drops to under £500 a year? Can this be achieved on L plates and if not how many years on a full license?

[Nobby the Bastard]

[Riejufixing]

[hume]

[hume]

[Riejufixing]

[Easy-X]

900 with 2000 excess?! WTF do you ride and where do you live?
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Monkeypony]

[Mihail]

[Nobby the Bastard]

I've never paid more than 170 quid fully comp on mine. It was 6 years old and cost 5 grand when I got it.

Mind you I'm mid 40s ( ) passed my test in the very early 90s and live in Wiltshire.

When I reached 9 points my insurance actually went down...
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[Hong Kong Phooey]

I pay less than £500 for two bikes, both garaged and I'm over 40.
No points, license held since 2003.
It's not a crime hotspot but it is Greater Manchester area.
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'81 CG125, '97 FZS600 : '99 CBR600F4, '09 KTM RC8