Question about MCE insurance company.

[Undinist]

If you want to be a biker for the long term and you live in a high risk area and you want a future with desirable bikes in it, you need to plan to never, ever claim unless it absolutely cannot be avoided, e.g, you cause a costly accident and a 3rd party claims on your policy, or your bike is stolen and not recovered and you can't afford another bike, even a cheap, short term substitute. Even then it would probably save money in the long run to not claim, take up cycling and start saving for another bike.

In the OP's scenario I'd get 3rd party only cover online and pretend the bike is garaged overnight. MCE will probably be cheapest. Get the best Datatool alarm and the best Biketrac tracker and a sold secure Gold lock and chain and a disc lock and a cover. Total bill about £1500 plus the Biketrac subscription. Keep your phone charged and make sure to answer it during the night, when the bike may be stolen. The thieves will move the bike a short distance and wait to see if a tracker prompts its recovery. A friend of mine uses this strategy with his Blade, which has been stolen and recovered undamaged 4 times. He lives in Chiswick. I also use this strategy with my BMW. I live in Brixton.

If the bike is stolen, don't report it. If you crash it, fix it with used parts. Invest in training to reduce the chance of causing an accident. My theory is that MCE will only investigate and unearth the lie about the garage if you hit them with a big claim from a 3rd party. If they do, I suppose you'd be pretty much uninsurable after that. I hope not to test my theory. But maybe I'd be dead, so never mind.

[Easy-X]

I suppose the garage thing is only relevant if you claim for a bike stolen from your house.

I'd be curious to know the stats on bike thefts: percentage stolen from back gardens vs garages vs driveways, etc. whether the bike had a cover, locks and various other security...

I mean, we all talk about "do this, buy that" but it'd be nice to know what really makes a 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]

[Undinist]

[Easy-X]

Yes, fair enough, insurance companies are rarely desirous of paying out no matter the circumstances - no need to give them further excuses
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Orennayar]

I used MCE for about 4 years without any issues (also without any claims). I used their free recoveries for punctured tyres a few times without problems too
They're the cheapest but the catch is obviously the insane excess on their policies.
Regarding the price in london, most of it is caused by area theft risks. 3 years ago I moved house literally 800m away but far enough to change my postcode, the premium went up £2000 because "computer said so" although the new house had a private parking out of sight etc... opposed to street parking on the old one.
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DAS passed: 21/07/14
2011 YBR125(sold)
2009 XJ6N

[hume]

[P.]

Lol, you are getting fisted. I'd never consider paying that.

[hume]

Yeah you would. Especially if it was the cheapest price you could find.

[Nobby the Bastard]

[Easy-X]

Ah, a new (or almost new) 125 in a crime ridden area: getting fucked from both ends!
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[ThatDippyTwat]

[Bladey]

Insurance is a necessity, and in my 30 years of riding bikes... It doesn't matter which insurance company it is.. they're all tossers and looking out for themselves, unless it's a clear cut case of 'Other parties fault', so they can milk the other parties insurance.

Remember, if you claim your tariff will increase regardless of fault. I'm just extra friggin careful on the roads now after a lot of scrapes.

Personally don't believe there's good or bad advice when it comes to insurance companies as they change their rules and policies on a fkin whim!
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No Bike ...No Life, i can Live without the Wife
Kawasaki ZX6R '01' Red/White <--Summer Days
CBR 600F '98' Black <-- Any goddamn Day