Insurers - How bad can they be..
Discussion
LoonR1 said:
What would this story be like if there was a claim?
There but for the grace of God etc....I set a thread off on BB a couple of years ago about this shower and had a bit of a rant. The next year I moved our bikes to Bennetts (Axa) and eBike (Ageas).
Cue getting burgled and 2 of 3 bikes getting stolen. Insurers were brilliant - burgled on Tuesday, Ageas paid out the following Thursday and Axa the day after.
I cannot imagine what could have happened if the previous insurers had been involved - terrifying.
moanthebairns said:
steve954 said:
Ever since I came back to biking I have avoided using mce pretty much because of what loon has said about them! Some times it's just not worth the hassle to save £50.
Yeah your quite right. But for some it's hundreds. sc0tt said:
Deranged Granny said:
For me, they are £900 cheaper than the next competition for a Fazer 1000, and £1100 cheaper for a ZX9R. Deliberately chosen bikes, but shows how much cheaper they can be. The quotes are so high due to my age and postcode.
... and riding ability 
No complaints about the service from CN EXCEPT I had an accident a couple of years ago which took a while to settle my compo. So the policy had an ongoing claim against it last time I renewed.
It got settled 100% in my favour so I thought I'd do the proper thing (so I thought) and inform my insurer that the outstanding case was no longer outstanding.
s charged me £35 for the privilege.
It got settled 100% in my favour so I thought I'd do the proper thing (so I thought) and inform my insurer that the outstanding case was no longer outstanding.
s charged me £35 for the privilege. 
I know the scene your on about. smokeey said:
A question for loon if he's reading.
Bike travelling down main road, car pulls out of side street, bike hits side of car.
Who would be deemed at fault if the bike was pulling a wheelie?
Without the wheelie the carBike travelling down main road, car pulls out of side street, bike hits side of car.
Who would be deemed at fault if the bike was pulling a wheelie?
With the wheelie, the bike.
The question over fault is one of liability. To be liable, you have to have to have been negligent. Pulling a wheelie is a neglgient action.
Possible to have a long drawn out argument and it could go 70/30 or 80/20 either way, although I'm siding with the car. Unlikely to get 50/50
LoonR1 said:
Without the wheelie the car
With the wheelie, the bike.
The question over fault is one of liability. To be liable, you have to have to have been negligent. Pulling a wheelie is a neglgient action.
Possible to have a long drawn out argument and it could go 70/30 or 80/20 either way, although I'm siding with the car. Unlikely to get 50/50
Thanks.With the wheelie, the bike.
The question over fault is one of liability. To be liable, you have to have to have been negligent. Pulling a wheelie is a neglgient action.
Possible to have a long drawn out argument and it could go 70/30 or 80/20 either way, although I'm siding with the car. Unlikely to get 50/50
In that situation, what would be the reason for never hearing from the insurance again after giving my statement / account of what happened. Was never contacted with a conclusion to it and never paid my excess. I even got a letter from the 3rd party about a personal injury claim.
I always assumed they must of gone 50/50 (i know it was my fault) and I never heard anything because I was 3rd party only, so nothing for the insurer to pay me.
This was 10 years ago if it makes any difference.
I was with MCE at the time and everytime I see them mentioned i always wonder what happened.
You only pay your excess if you claim for your own damage. They may have settled the other side's claim and not updated you for some reason. Who knows, although 10 years ago was when the bike I siracme world went mad and premiums went through the floor. They may have paid out, you lost some NCD, but didn't notice as premiums came down so much.
My first year of riding was 2004 and I paid £540 to insure my SV650S, the next year it was £82.
My first year of riding was 2004 and I paid £540 to insure my SV650S, the next year it was £82.
LoonR1 said:
You only pay your excess if you claim for your own damage. They may have settled the other side's claim and not updated you for some reason. Who knows, although 10 years ago was when the bike I siracme world went mad and premiums went through the floor. They may have paid out, you lost some NCD, but didn't notice as premiums came down so much.
My first year of riding was 2004 and I paid £540 to insure my SV650S, the next year it was £82.
I was 18 at the time and paying about a grand pre accident. After the accident the same bike was 3.5k. I always declared that I'd had a crash that was my fault and the 5 points I got for it. (The year after I stopoed riding on the road as insurance was still over 2k)My first year of riding was 2004 and I paid £540 to insure my SV650S, the next year it was £82.
Thanks for clearing up the excess though. I thought I should of paid it and wondered why they didn't come after me, now I know.
I still avoid MCE incase I get a policy with them and they start asking questions
smokeey said:
I was 18 at the time and paying about a grand pre accident. After the accident the same bike was 3.5k. I always declared that I'd had a crash that was my fault and the 5 points I got for it. (The year after I stopoed riding on the road as insurance was still over 2k)
Thanks for clearing up the excess though. I thought I should of paid it and wondered why they didn't come after me, now I know.
I still avoid MCE incase I get a policy with them and they start asking questions
No need to avoid them for that Amy more, they have to destroy all record of you (or at least Amy record that can identify you) after five years as that's the length of time that your insurance history matters). Avoid them because they're, ermmmmmm, not very good now. Thanks for clearing up the excess though. I thought I should of paid it and wondered why they didn't come after me, now I know.
I still avoid MCE incase I get a policy with them and they start asking questions
LoonR1 said:
No need to avoid them for that Amy more, they have to destroy all record of you (or at least Amy record that can identify you) after five years as that's the length of time that your insurance history matters). Avoid them because they're, ermmmmmm, not very good now.
Duly noted 
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