MCE Bike Insurance (a word to the wise)

First topic message reminder :

My mate has just learned a valuable lesson, (thankfully not the hard way) whilst reading the small print of his insurance policy.

Along with the usual 'not insured to carry pillion, not insured to ride other bikes' his also includes the clause 'Not insured for theft away from home'!!

So basically whilst away in Assen and on the couple of rallies we've been on.... Or even if he nipped to the shops, his bike wouldn't have been insured if it was stolen!!

They have never made him aware of what is to my mind, a material fact and I feel he has cause to complain as on that basis the policy has been mis sold!!

All I can say chaps is check your policies and make sure your cover covers what you want it to cover, and MCE.... bunch of sh*ts!!

On a more serious note, yes I remember the Norwich Union policies, they were that reasonable that every man and his dog were insured with them. Can't just remember why they faded away. Back to CN after writing off my FJR last year and getting a grand more for it than it was worth, I thought they would cane me on this years premium, but no £190.00 fully comp. Including full UK and European breakdown and recovery.

Norwich Union is now Aviva. They own the RAC too.

ellie wrote:Norwich Union is now Aviva. They own the RAC too.

thanks for that wee [You must be registered and logged in to see this image.]

Not sure if there is one or not but is it worth having a section within the forum specifically where people can share their experiences (good and bad) with different insurance companies.

After all (with the exception of MCE which appears globally bad), there appears to be indifference between insurance companies, some saying fantastic, some not to touch with a barge pole. Or there may be a little gem out there which doesn't come up on mainstream search engines.

Just a thought, feel free to slate me if it already exists because I haven't physically looked on the site for it

My insurance is due in a month so thought i'd try Carole Nash, I have only been riding 1 year with 1 years no claims, I asked for commuting and pillion cover to be included.... fully comp 140 squids... bloody bargain especially with european cover and home start included.
Had to laugh though when I ticked the box for protected no claims, my premium shot up to 640 quid, thats almost 5 years worth of unprotected insurance.

Swinton are phone spamming bastards, I'll never use them again.
(they called at least twice a week at around 17:00 for months, even after I'd registered with the TPS and told them so)

I've used eBike a few times (when they've offered cheap renewals), never used Carol Nash (too expensive), had never heard of MCE at all until I read this thread.
I've used others but none apart from eBike stick in my mind, and couldn't have told you who I'm currently insured with off the top of my head (but it turns out it's a Bedford (Axa) Optima Bike Policy).

I did look at both my car and bike insurance on the back of the OP to check, and thankfully there's nothing in either policy as Draconian as that.

Another Carole Nasher here.
Under £130 I think.
Been with them for a few years now and the renewal is creeping up but still great value as I've had to use the recovery twice now :/
Sounds like you got a bargain SteveMCC.
Wonder why your quotes are expensive Wooster.
You're in a hotter postcode than me I guess.

A gotcha on my insurance is that it is garaged so if it is stolen within a short distance from home my insurance ain't valid.

Cheers
Rosco

Mine is just over £130 for the full bhoona with Bedford.

So not much difference. ;o)

CN here too: I used them before I went to Germany last time to get the European cover and whilst not the cheapest, £180 covers my Cat and KDX125 on the same policy.

For the large contingent of motorcycle riders in the UK, bike insurance offers crucial cost protection for both the equipment and the rider. Riders who race motorbikes, or who ride a bike for transportation, need to protect the investment in their bike, while also having access to affordable health costs if injury occurs from an accident. While there are many customized coverage options available to bike riders, three particular covers are important to riders.

while also having access to affordable health costs if injury occurs from an accident

Thats why we have the NHS here....

Stephen Craine wrote:For the large contingent of motorcycle riders in the UK, bike insurance offers crucial cost protection for both the equipment and the rider. Riders who race motorbikes, or who ride a bike for transportation, need to protect the investment in their bike, while also having access to affordable health costs if injury occurs from an accident. While there are many customized coverage options available to bike riders, three particular covers are important to riders.

USA bloke commenting on UK Insurance.....do you work in Sales??

MCE thieving robbing misquoting misleading miselling lying crapbag bstards

stretchie_ wrote:MCE thieving robbing misquoting misleading miselling lying crapbag bstards

Not a Fan then Stretchmeister me old muckker  

you could say that

Guess which Manchester based insurance company called me from yet another number this morning?

Carole Nash?

Swinton - had the same issue with them.

I've just left swinton and am now with MCE.

The fact for me is I insure a bike for legalities. At 19 the cheapest insurance was almost 1000 cheaper than the next. This is my first fully comp policy at £350 whereas my last policy on the bandit 12 was £600 TPFT. Swinton are scumbags, charged me cancellation then had the cheek to ask to put it on direct debit. So I put it on direct debit then they took another months money out. Absolute joke, you just can't win at my age. 1.2 Corsa £1600 1.2 Bandit, £600. Its a joke.

well i have been with a broker called 'A Quote' for a number of years now,, fully comp with pillion and protected etc £69.78 ,, hmm

Have never had to call on them mind and never get bothered by calls etc

mechy69 wrote:well i have been with a broker called 'A Quote' for a number of years now,, fully comp with pillion and protected etc £69.78 ,, hmm

Have never had to call on them mind and never get bothered by calls etc

That's because you're old .

wait till tomorrow you !!!!!!
 

ellie wrote:

mechy69 wrote:well i have been with a broker called 'A Quote' for a number of years now,, fully comp with pillion and protected etc £69.78 ,, hmm

Have never had to call on them mind and never get bothered by calls etc

That's because you're old .

Ouch Mechy, you need some ice for that burn??

 

And he doesn't go over 50mph  

Its OK Pete, you will poke much fun at my hoarse vouice, I sound like Dame Edna....