MCE Car & Motorcycle Insurance www.mceinsurance.com – Questions & Answers

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Asked by cuki on 4th January 2017 Report this content
Can you tell me please how it is that I got 8 years no claims bonus in UK on a suzuki hayabussa. I then had to work in Cairo for 2 years and 3 months and had no accidents or claims and on returning to UK am told that my 8 years of impeccable riding I no longer have 8 years no claims bonus and have to start from zero. It appears rather one sided that it takes me 8 years of premiums and excellent riding yet they can remove said ncb after only 2 years?

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Answers (8)
Report this content Laverdabru1116 Written on: 05/01/2017
The only suggestion I can make is try shopping around, see if another company will accept your NCB. The industry seems to make up its own rules, & change them frequently. Despite not having a claim for 20 odd years, I was recently informed I could only use my NCB on one bike - so I pay more to insure my 125 Honda scooter than my (group 17) Ninja ZX-9R! Mad.
Report this content am4862 Written on: 05/01/2017
Sadly this is commonly the case. Many companies will only accept up to 2 years of not riding, although there is no actual regulation as far as I'm aware. Each company tends to set their own rules. Part of this is the difficulty of proving that, if you did ride outside of the UK on a local policy, you had no accidents etc while abroad. Many insurers won't go to the expense of setting up any checking for anything outside the UK. The only thing I can suggest is to shop around as some insurers will accept a break of up to 3 years.
Report this content drwaste Written on: 05/01/2017
Hi Unfortunately this is true most companies only allow you to keep your NCB for 2 years after closing your insurance/lapses. I think Zurich Insurance allows up to 5 years . I have been through this and it sucks. Best bet in future is to insure a smaller cheaper bike when away to keep policy going and swap it over when you come back to the bigger bike. There is NO way around this unfortunately - sorry pal !!
Report this content Chriscbf Written on: 05/01/2017
Sadly that's how MCE insurance works....I had had some time off from riding bikes and was told that when I bought a bike again and wanted insurance, if it had been two years or over since I rode a bike than my 'no claims' wouldn't have been allowed. Some insurers might allow up to three years....Others as little as 12 months. Do a bit of ringing around.....
Report this content lakeofshadows Written on: 05/01/2017
Sorry to hear that. As others have suggested, shop around and hopefully you'll find an insurer who'll accept a 3 year break. I'm aware of some motorcyclists who buy and insure small capacity scrap bikes in order to avoid this very thing happening. Good luck with your search.
Report this content Suze Written on: 05/01/2017
Unfortunately that little caveat is not exclusive to MCE. The majority of insurers do this. Some only allow 1 year instead of 2. I was told several years ago that it would have been better to carry on the insurance even though I didn't have the vehicle anymore. You can no longer do this as they will try to claim against your insurance if the new owner has an accident even though you no longer own it as your policy was 'first in line'. You can try and ring around as there maybe 1 or 2 that will accept a long insurance gap but on the whole the rule of thumb is 2 years. Knowledge: previous experience
Report this content bigbikerrob Written on: 05/01/2017
This has been the rule/law for more than the 30 years I've been riding and driving. In all those years I have had times of non riding but I insured a cheap bike to continue my NCB even though I didn't ride it. Some insurers will recognise your NCB but they are very rare. Sadly that's the way it is.
Report this content benaslak Written on: 09/01/2017
I think you have to start from the standpoint that all insurance companies (in my experience) are out to make as much money as possible, in as short a possible time, with no regard for the well-being or financial stability of their customers. Once you realize that, then you can understand that they will not treat your circumstances individually. They will stick to the small print in their policy document which always works in their favour. This is not helpful to you but it is fact. I have applied to the Financial Services Ombudsman on several issues over the years and the insurance companies decisions have always been upheld against me. No hope I am afraid!
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Asked by slalomskiboy on 17th May 2016 Report this content
I just purchased insurance for my motorbike last week and I have not even had the documents or an email yet. When can I expect these?

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Answers (3)
Report this content oG33MANo Written on: 17/05/2016
Hi there, Your document should have been online after around four days. You can call then or live chat to get this sorted. I have the same problem I took a bike off my policy and added one but when I check my documents it still says I have my old bike. Good luck I hope you get sorted hope this helps.
Report this content kemar Written on: 17/05/2016
This is your best answer BY:2014Milliedog Written on: 10/05/2016 You should have received an email with an "opencustomerporthole" link click on this, enter your username and password and your documents will be there for you to read or print as required. Give them a ring if you have no email and they will sort it for you. Their people on the phone are very good and very very helpful. Hope this helps!
Report this content lakeofshadows Written on: 17/05/2016
Hi, as stated by another respondent, it can take a number of days before you receive your documents. These will be electronic unless you specifically requested physical documents. You will receive an email telling you how to access the documents, and you can then print them off yourself if you so wish. It might be worth checking your junk mail folder in case the email has ended up there in error. No need to worry though, you're covered from the time and date specified when you the initial application and sent payment.
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Asked by fazerboy on 8th May 2016 Report this content
Hello all can you help me, I renewed my motorbike insurance on the 01/05/2016 but not got a policy, how do I know i'm insured?

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Answers (7)
Report this content kemar Written on: 09/05/2016
askmid.com is how you check. You should have an online account with them as they dont send documents anymore so all your documents is online, check your emails for any info about your online account.
Report this content fazerboy Written on: 09/05/2016
hi kemar i have checked my emails but nothing & i can't get into my online account, thanks for replying.
Report this content orangehulk71 Written on: 09/05/2016
Hi, they no longer send out email attachments. You should have received an email directing you to their customer portal where you have to register and then you can view/print/save your documents. You might be able to access it from their website
Report this content rogeragusta Written on: 09/05/2016
I would suggest that you give them a ring to make sure
Report this content fazerboy Written on: 09/05/2016
hi and thanks for the replys, but not even an email from them so i think id better ring them.
Report this content 2014Milliedog Written on: 10/05/2016
You should have received an email with an "opencustomerporthole" link click on this, enter your username and password and your documents will be there for you to read or print as required. Give them a ring if you have no email and they will sort it for you. Their people on the phone are very good and very very helpful. I started my Insurance with them on the same day as you and have my policy and other related documents electronically. Hope this helps!
Report this content fazerboy Written on: 10/05/2016
hello all thanks for replys, i finaly got policy in an email i did a live chat 15 minutes later he sent an email with my documents, and again thanks for your help.
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Asked by ALZ1445 on 5th May 2016 Report this content
Why don't you provide a renewal quote when a policy is expiring? When renewing a policy why is it necessary to provide full details when you already have them on record?

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Answers (4)
Report this content mocox Written on: 06/05/2016
I agree with your statement I think this should ensure a new policy I'm going to your details over again is a little bit stupid but I think it's all the same money
Report this content Suze Written on: 06/05/2016
I always wondered why. I think it's because the quote can change so its not really valid anymore as they tell you your renewal is due 2 weeks before. I've known a quote to change from one day to the next. As for providing full details again, well I guess that so they can double check what you said in the first place and also to give you an opportunity to tell them of any changes/mods etc. FYI I don't work for MCE or their subsidiaries or carry out any insurance work. I have just had a lot of experience getting insurance for various cars & bikes over the years.
Report this content Laverdabru1116 Written on: 06/05/2016
Really don't know. Used to be, when you stayed with a company, you'd end up getting a decent discount every year. Now it seems you have to swop around to get the best deal. Last year a company (I'll leave you to guess which one!) wrote & invited me to 'phone for the best quote' when my renewal was due. I did, & got a very high quote.I pointed out I had been on a comparison site, & the very same company had offered me a much better deal. 'Oh, we can't compete with our on line deals'. WTF?
Report this content 2014Milliedog Written on: 06/05/2016
I have asked this question before. Not with this Ins Company but with others I was told that my personal details could have changed ie points on licence, medical issues etc etc. I was really pleased with MCE when taking my policy out this year so I will consider it a small price to pay if I have to give all details again next year. Providing they are as competitive of course.
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Asked by garydavies221 on 29th March 2016 Report this content
When will I receive my insurance documents in the post as I took out my policy on the 27/02? Many thanks.

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Answers (4)
Report this content keithgravylewis Written on: 01/04/2016
I've been with them for 2 years. When I started they sent them via email attachments and again when I renewed. If you want paper form give them a ring.
Report this content Suze Written on: 01/04/2016
Hi, they no longer send out email attachments. You should have received an email directing you to their customer portal where you have to register and then you can view/print/save your documents. You might be able to access it from their website (check help pages). If you haven't received it or can't find it then I would suggest contacting them and asking them to re-send it if they wont send docs as an attachment. I've been with MCE for years and only once received paper docs.
Report this content orangehulk71 Written on: 01/04/2016
They send them via email when you start you policy......simply go to mce site and log in and you can dowload all your paperwork.I feel they do this as makes it easier now if out and about you got your details to hand.hope this helps
Report this content Rheged Written on: 04/04/2016
You won't get them by post unless you specifically asked for a hardcopy. They prefer to use email, so check your inbox and junk/spam folders just in case.
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Asked by AndiMarsh on 6th January 2016 Report this content
I've gone with MCE insurance because of the deals that were in it! I'm just wondering how long it will take for my cover note and insurance documents to come through to my email? It's been about 24 hours so far? The woman did say it could take upto 48hours. When did you guys receive yours? Thanks

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Answers (3)
Report this content Stewy Written on: 06/01/2016
Received mine virtually immediately
Report this content Laverdabru1116 Written on: 06/01/2016
My last renewal in December came thru within a few minutes - have you checked your spam folder?
Report this content rogeragusta Written on: 06/01/2016
give them a ring and usually they sort it very quickly
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Asked by ismet on 9th November 2015 Report this content
Can anyone tell me how I can find out where I paid for scooter insurance?

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Answers (1)
Report this content keithgravylewis Written on: 01/04/2016
Check your bank for and look at the name when they take the money out. If that doesn't help cancel any automatic payment when the company calls ask them who they are. (May incurr late payment charges and late payments marks on credit file).
Asked by amarbenali on 3rd September 2015 Report this content
I am driving a scooter with full comprehensive cover. I went to work and got my bike stolen and now MCE won't pay off. They are saying I am not insured because I need a commuting cover.  Can anyone help me?

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Answers (3)
Report this content samh4023 Written on: 04/09/2015
Doesn't matter of the insurance is fully comprehensive if you did not choose commuting as part of the use of the scooter then they won't pay out. When you choose it says , social domestic pleasure only, social domestic pleasure and commuting or business use, business use covers all the above, check your policy details and see if it covers you for commuting to work. If not they will not pay out.
Report this content Rheged Written on: 04/09/2015
It's not so much down to the level of cover (in your case, comprehensive); rather it's more due to the usage that is specified in your policy. *Most* policy usage clauses allow for leisure use and commuting to a single place of work. This is fine, so long as you only work at one address - emphasis on address; If the firm you work for has two or more offices on different sites, you would not be covered. Likewise if your work involves delivery/courier work, this would also not be covered. I have this same issue with my own policy, in that because I'm self-employed and have my own office and have to travel to my clients, I need business usage cover. I have to admit, I am surprised they have not covered you for commuting by default. If you want further assistance I'd suggest taking your policy to a solicitor for advice.
Report this content ColinHodgson Written on: 04/09/2015
Most policies are for SDP (Social Domestic & Pleasure) - if you intended to commute you would need a business policy (mine used to cost an extra £24... Your certificate of insurance will probably have the same advisory paragraph as mine - 'Use for social, domestic and pleasure purposes. EXCLUDES journeys between home and normal place of business, use for hire or reward or for commercial travelling, racing, competitions, rallies or trials (other than road safety rallies or treasure hunts), use on any motor sport circuit including the Nurburgring or use for any purpose in connection with the motor trade.' If it has, you do not have a claim - if it doesn't (nor do any of your other documents) then consult a lawyer.
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Asked by stuartwalker68 on 9th June 2015 Report this content
If I was fully comprehensive and had an accident, and I was injured. would they pay me for injuries, even if it was my fault?

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Answers (2)
Report this content Stewy Written on: 10/06/2015
You need to check the wording of your own specific policy Mine shows only a £1000 compensation for personal injury; I can't see any link to fault so presumably this is irrelevant
Report this content BigEdMCE Written on: 19/06/2015
Hey, Thanks for your question. A normal insurance policy won’t tend to give you any cover you for this, but every MCE Bike policy will give you £1000 of Personal Injury as standard. It covers you in a fault or non-fault accident, whatever level of cover you have. Also, for an extra £50, you can upgrade this to cover you for up to £5000. Just give us a call, and we’ll happily upgrade it for you. Ride safe!
Asked by phil501 on 19th May 2015 Report this content
My bike has been written off (not my fault). Does anyone know how much will it cost to put another bike on? Thank you.

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Answers (3)
Report this content rendition Written on: 20/05/2015
It will depend on why it has been written off. Did it get stolen? Is it parked on a road overnight? Hit by a car? The cost will be twofold: - You will need to pay the excess - They will pay the lower of the bike value and the value you insured it for. So for instance, if your bike is worth £2000 but you insured it for £1500 then you will only get 1500. - Additionally, they will only pay the actual value of your bike (not a new one). So if you had a new bike that's a year old you will get less than the new value. Basically if you get to within £1,000 of the value of a replacement, you're doing well.
Report this content phil501 Written on: 10/06/2015
Hi thanks i was stopped at a give way and a car hit me from behind
Report this content BigEdMCE Written on: 19/06/2015
Hi  – top question. If you are going to exactly the same vehicle, chances are it will just be £67.00. This is made up from a change charge from the insurance company, and an admin fee. Now obviously if your Honda Cub has been written off, and you replace it with a brand new Blade, you’ll need to pay a bit more. At the same time, if you downgrade to something a little older and less expensive, you may even get a return in premium. Whatever you’re doing, just give the guys in our customer services team a buzz, and they’ll make the whole process as easy and painless as possible!
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Asked by Rogkay on 27th February 2015 Report this content
I have 9 years no claims with MCE but am changing insurers this year. How can I get proof of my no claims? I have sent them 4 emails without reply.

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Answers (13)
Report this content Trishna Written on: 02/03/2015
Why are you changing insurers? MCE should be able to give you a better deal no matter what your new quote is. Regarding getting in contact with them, just give them a call on their customer service number - press the last option. Good Luck!
Report this content woodspoiler Written on: 02/03/2015
i think i called them and asked them to email me. i do know that i took out the new insurance and had 14 days to send proof of nab and that mce wouldn't issue a proof until the insurance had ended and thats when i called them
Report this content walfordsam Written on: 02/03/2015
Best thing to do is give them a ring. When it gives you the options, try and find the one that says that you want to cancel, or stop your insurance. Thats the fastest way to get to talk to someone, they should then be able to email you proof on NCD if not, they will refer you to another team, and usually transfer you. Definitely making the right choice though.
Report this content Rogkay Written on: 02/03/2015
Thanks for the replies guys, looks like I will have to wait until the policy runs out on the 13th March. You would think that they would have the courtesy to reply to emails and explain though. Thanks again, Rog
Report this content DonLunn Written on: 02/03/2015
I have been with MCE for four years.I have never had a problem when I have spoken to them on the phone.Bear in mind the volume of emails that they must recieve,some unfortunately will slip through the net.I'm not making excuses for them,but it happens on my own emails.Just Phone them.They have to provide you with proof of NCB.Also your insurance renewal letter will give proof.
Report this content Rogkay Written on: 02/03/2015
Hi Don, They are the only company that I have dealt with that doesn't put proof of your no claims on the renewal notice. If thy did I would not have a problem.
Report this content Jvpsuk Written on: 02/03/2015
As I understand it, they are legally obliged to provide written proof of NCB and I agree with the answers below - ring, don't rely on someone responding to an email. Anytime I have changed in the past I emailed my new insurer a copy of my old insurers renewal notice(after you have agreed a price for new cover) which usually states NCB on it. I'm also sure that it is possible for your new insurer to contact the old company asking for proof.
Report this content ImpPoacher Written on: 02/03/2015
Within my renewal notice there was a page containing my no claims. Which could be used as proof with an alternative insurer.
Report this content Rogkay Written on: 03/03/2015
Hi Trishna, The main reason that I am changing is because they don't supply proof of no claims with the renewal. This is why I renewed with them last year knowing it would be a hassle, and this is why they do it. Also they sent me a renewal for £171, if I go on their web site and get a quote as a new customer its £135. If you google them there are loads of complaints from bikers about shocking customer service, so I'm determined to make the break this year. I have found a better policy (less excess) with Kwik fit for £115 and can get the same breakdown cover for £18. They are all very helpful when you are buying.
Report this content koolgoatie Written on: 03/03/2015
The info / proof should be on your insurance schedule or on your renewal letter i.e. quote details
Report this content BigEdMCE Written on: 19/06/2015
You can email us, or call the customer service team  Sad to hear you are leaving us – I’m sure you’ll be back soon!
Report this content Rogkay Written on: 22/06/2015
Hi, I have no complaints about the cover or the price, just the fact that you do not provide proof of no claims with the renewal quote. Your ruling is that you will not give proof of NCB until the old policy runs out, this can make it awkward when the new insurer insists on receiving the proof within a certain number of days. Also why is the renewal £40 more than signing up as a new customer, is it allowed to insure as a new customer each year? All the best
Report this content samh4023 Written on: 04/09/2015
Phone them and demand your proof
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Asked by pholden93 on 7th July 2014 Report this content
How much will it cost me to change my bike insurance to another?

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Answers (5)
Report this content Lanem Written on: 08/07/2014
We hadn't had a motorbike for a few years, so we were bascially starting from scratch. But ring MCE and get a quote, they were very helpful to us. Lane
Report this content djdykied Written on: 08/07/2014
To another providet you mean? Normally there is a fee for most amendments or changes of around 25. Some companies will allow you to add this to your yearly bill others will ask for it up front. Hope this helps
Report this content woodspoiler Written on: 08/07/2014
do you mean another bike
Report this content Jvpsuk Written on: 02/03/2015
Wait until renewal, cost is nothing.
Report this content BigEdMCE Written on: 19/06/2015
If there isn’t a change in the old and new vehicle, then usually £67.00. This is made up from a change charge from the insurance company, and an admin fee. You can also have up to five bikes on the same policy with MCE – so you have don’t think you have to get rid of one!
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