MCE Insurance - Too Cheap ?
MCE Insurance - Too Cheap ?
Author
Discussion

Seight_Returns

Original Poster:

1,640 posts

231 months

Friday 11th December 2020
quotequote all
Just renewed my bike insurance with MCE.

Surprisingly cheap - £134. Next cheapest was about £300 and all other quotes about that.

Anything dodgy about MCE ?

trickywoo

14,237 posts

260 months

Friday 11th December 2020
quotequote all
Should be fine.

There is no guarantee that paying more results in better service if you need to claim.

I've found that some insurers are cheaper for certain bikes than others.

bogie

17,100 posts

302 months

Friday 11th December 2020
quotequote all
Check the small print on what is covered as always. Some insurers charge extra for things like; pillion cover, helmets/leathers, modifications, lock/security requirements, personal injury, legal cover, commuting, etc

In recent years I had been with one insurer for many years, all mods declared and they also insured the bike including estimate value of mods. So if you had £3k carbon wheels on there, they were covered for theft too.

Changed insurer, came up at 60% of the price, all mods declared, but in the small print "max payout market value of standard bike" regardless of mods.

trickywoo

14,237 posts

260 months

Friday 11th December 2020
quotequote all
bogie said:
Check the small print on what is covered as always. Some insurers charge extra for things like; pillion cover, helmets/leathers, modifications, lock/security requirements, personal injury, legal cover, commuting, etc

In recent years I had been with one insurer for many years, all mods declared and they also insured the bike including estimate value of mods. So if you had £3k carbon wheels on there, they were covered for theft too.

Changed insurer, came up at 60% of the price, all mods declared, but in the small print "max payout market value of standard bike" regardless of mods.
What is your excess?

SAS Tom

3,755 posts

204 months

Friday 11th December 2020
quotequote all
I used MCE despite people saying they were crap. I had to claim and they were crap. I even ended up with a CCJ due to their incompetence but fortunately got it set aside.

Never again.

G7orge

294 posts

124 months

Friday 11th December 2020
quotequote all
SAS Tom said:
I used MCE despite people saying they were crap. I had to claim and they were crap. I even ended up with a CCJ due to their incompetence but fortunately got it set aside.

Never again.
awful customer services- they are also on my do not use list.

trickywoo

14,237 posts

260 months

Friday 11th December 2020
quotequote all
SAS Tom said:
I used MCE despite people saying they were crap. I had to claim and they were crap. I even ended up with a CCJ due to their incompetence but fortunately got it set aside.

Never again.
Not that I am on a mission to defend MCE or anything but have you claimed with another insurer?

I think they are all crap and you may as well pay the minimum upfront.

bogie

17,100 posts

302 months

Friday 11th December 2020
quotequote all
trickywoo said:
bogie said:
Check the small print on what is covered as always. Some insurers charge extra for things like; pillion cover, helmets/leathers, modifications, lock/security requirements, personal injury, legal cover, commuting, etc

In recent years I had been with one insurer for many years, all mods declared and they also insured the bike including estimate value of mods. So if you had £3k carbon wheels on there, they were covered for theft too.

Changed insurer, came up at 60% of the price, all mods declared, but in the small print "max payout market value of standard bike" regardless of mods.
What is your excess?
£250

SAS Tom

3,755 posts

204 months

Friday 11th December 2020
quotequote all
trickywoo said:
SAS Tom said:
I used MCE despite people saying they were crap. I had to claim and they were crap. I even ended up with a CCJ due to their incompetence but fortunately got it set aside.

Never again.
Not that I am on a mission to defend MCE or anything but have you claimed with another insurer?

I think they are all crap and you may as well pay the minimum upfront.
To be fair no but I don’t wish to revisit life with a CCJ if I can help it.

V8RX7

28,982 posts

293 months

Monday 14th December 2020
quotequote all
bogie said:
Changed insurer, came up at 60% of the price, all mods declared, but in the small print "max payout market value of standard bike" regardless of mods.
Good point but it's the only way I could insure my cars / bikes as they are all modified, otherwise the premiums were ridiculous.

I've never had one stolen in 20+ years so even when it happens I'll still be better off.

Inspire

439 posts

209 months

Monday 14th December 2020
quotequote all
I used MCE when I was younger to build up a bit of ‘no claims’ and then I was off! I wouldn’t choose to insure with them now!

Thanks

Rob

rexwexford.

103 posts

220 months

Monday 14th December 2020
quotequote all
I fortunately have never had to claim from them but as soon as my year was up i changed company.

It is next to impossible to get through to them when you need to, i cant imagine how much more angry i'd be if i was involved in a claim and was subject to their length call times/terrible hold music.

by the looks of their reviews, i got off lightly



Drawweight

3,611 posts

146 months

Monday 14th December 2020
quotequote all

I’ve used most of the major brokers over the years, usually going for the cheapest that met my requirements.

I’ve only claimed once and that went pretty smoothly. Although it was a pretty open and shut claim so maybe you can’t read much into that.

My thoughts are I’m not buying insurance with the intention of claiming. It’s just for my peace of mind and because the law says I have to. If I have to claim I’ll worry about that when it happens.

You may think ‘that’s short sighted’ but I’ve been riding nearly 50 years with one claim so I think I’m ahead.

So I go for the relative cheapest. I could buy insurance at double the price but what guarantee do you have that they are any better? There are thousands of claims every year but you only hear about the ones that haven’t gone well.

crofty1984

17,064 posts

234 months

Monday 14th December 2020
quotequote all
G7orge said:
SAS Tom said:
I used MCE despite people saying they were crap. I had to claim and they were crap. I even ended up with a CCJ due to their incompetence but fortunately got it set aside.

Never again.
awful customer services- they are also on my do not use list.
I've never used them, but those aren't the first I've heard along those lines. Though I'm sure people have also had good experiences.

philcray

866 posts

233 months

Monday 14th December 2020
quotequote all
Just check their reviews on google, rafts of fake ones which bear no resemblance to them being an insurance company followed by 1* reviews from everybody who has made a claim...

Dog Star

17,629 posts

198 months

Monday 14th December 2020
quotequote all
If my insurance cost a billion quid then I might consider them. I’m at that age now where nothing I own costs more than £216 fully comp. gives that little bit of leeway where you can actually pay that little bit more for a better insurer. I’d not use MCE a bless I was really desperate - like these people I see paying £150 a month.

Drezza

1,471 posts

84 months

Monday 14th December 2020
quotequote all
I've had no end of trouble with MCE, yet I've continued to use them for the past 7 years as they're normally at least half the price of the next cheapest...

Just don't expect them to be any good when you come to need them...

Rod200SX

8,176 posts

206 months

Tuesday 15th December 2020
quotequote all
I'm with MCE on my CBT license, cheap enough and the app for submitting documents etc is alright.

I see them in the same light as Adrian Flux. You know the customer service won't be great but the price does reflect this.

Dog Star

17,629 posts

198 months

Tuesday 15th December 2020
quotequote all
Rod200SX said:
I see them in the same light as Adrian Flux. You know the customer service won't be great but the price does reflect this.
If someone from Flux is reading this they will be having a cow! rofl



tomdoeslifeee

8 posts

72 months

Tuesday 15th December 2020
quotequote all
I've used MCE in the past and contacting customer service was always been a pain. Even resolving simple issues was hard work. My brother who is a new rider last year signed up with MCE because they were the cheapest and he's now regretting it after making a claim over 2 months ago. He's had very little contact and been told they haven't even priced up the cost of the damage. For an accident that wasn't his fault, it's a very poor show!

I swapped to Bennetts last year and just renewed as it was only a few quid more expensive. The customer service is nicer to speak with and I can save a few quid with their reward program. It seems he'll be swerving MCE when he finally gets his bike back too.