MCE insurance – slippier than an eel covered in oil? #claim, #insurance, #furious, #sort, #sorted,

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Thread: MCE insurance – slippier than an eel covered in oil?

MCE insurance – slippier than an eel covered in oil?

Last year my insurance was with MCE. So renewal time is approaching and I get a letter from them telling me my policy will expire soon. The letter however doesn’t include two things I was expecting:

– A quote for renewal
– Any proof of NCB

It does say that the policy will expire on the end date and won’t automatically renew. So today I give them a call (which I would have to do to request proof of my NCB anyway) and the guy on the phone told me they can’t automatically issue renewal quotes anymore in case any details have changed ‘cos that’s the law now apparently. Anyone know if this is law?

Sooo before making the call I’ve already been to a few comparison sites and know there are some tasty insurance deals waiting out there for White 2010 (now practically vintage) Multistradas, the guy on the phone says “your price is �192” and is greeted with silence.

“How does that sound?” he says.
“Not very good, I think I can get it cheaper elsewhere” says I.
“Ah, that was your quote for last year, how far away are we from the other quotes you’ve had?”
“You’re about double”.
“Err, which comparison site did you use”.
“Right now I’m looking at the bikeinsurer”.
“Ok, we should be on there”.
“You are, your price is �112”.
“Well, I don’t think I can beat that, in fact doing it over the phone will probably make it a bit more expensive”.
“That’s OK, just send me my proof of no claims”.

The irony is that I didn’t pay �192 last year, that was probably their opening gambit but I got it down to �160 for 15 months.

So, two clicks of the mouse later, I’m insured with Bennetts for �85. Turns out that being old and riding around on an old clanker do have some benefits. I feel sorry for anyone who has to pursue a claim with MCE, hopefully their claims department is in a different building to sales.

I beg to differ. every single motor insurance policy I’ve ever had has stated the no claims discount on the renewal invitation – which as you would imagine is usually sent before the current policy expires. Every insurance company I’ve dealt with has been happy to accept this as proof of NCD.

Did my car insurance after the bike and the previous insurer (Churchill) sent a renewal that clearly stated the no claims bonus, and as usual, this was accepted by the new insurer. It could be that a document titled Proof of no claims bonus can’t be issued until the policy expires, but every other insurer except MCE manages to work around this by including the NCD on the renewal.

Conclusion: MCE are trying to make it harder to go elsewhere.

As I said, they can not send Proof of no claims till the policy expires, to which you agreed with in the end 😉

Join Date 13.08.2007 Location Carnoustie Ducati models Numptystrada 1200S (T) Posts 5,488

As I said, they can not send “Proof” of no claims till the policy expires, to which you agreed with in the end 😉

But I didn’t want separate “proof”, I wanted what every other insurer gives you and accepts as “proof of no claims bonus”

My next insurer happily accepted a scan of my insurance renewal schedule as proof of NCB entitlement.

Last edited by miloVanMultistrada; 31.03.2015 at 05:47 PM.

Join Date 13.04.2008 Location Falkirk Ducati models 749bp Posts 5,411

On another note.
3 days after I got my Bennets Policy documents by email I got an update thanking me for making changes to my policy. I hadnt made any.
Looking at the ‘new’ documents I noticed the change was an ‘accident’ in July 2013 was added.
Turns out that back in 2013 when my bike fell over on the Ferry to Lewis Harris and I phoned my Insurers (M-Direct) to see if I had legal cover in case I had to take CalMac to court to recover damages. they started a claim with the Underwriters (AXA). despite me politely asking them not to. who then logged it as an accident. The woman at AXA who eventually dealt with it to stop it being recorded as a claim/accident was very helpful and requested I contacted them to get the claim removed from my record after the work was carried out to fix my bike by DG (thanks guys) and CalMac pay for. which I did before I even got the bike back home and garaged.

So. when I phoned the Bennets team the other day to explain all of this the guy said yeah..this would keep happening as it was down on the MIDB as an ‘accident’ (regardless of it being accidental damage. not a non-fault RTC). so he advised just get back in touch with the original Insurers and underwriters and ask for them to get it removed and request a letter from them to prove it. simples. eh no.

So Phoned AXA and that guy said straightforward NO. nothing he or they could do. it had to stay on my record as a claim (non-fault). only time it could be removed would be if fraud was being committed. any damage to a bike must be reported to the insurers whether accidental or in an accident. Not only that I have to now disclose this as an accident for the next 3 years to new insureres. which suggests because I havent been disclosing it the last 2 years to the last 2 new insureres but it then appears on the database that I am hiding something.

A WISE man speaks ‘coz he has something to say. An IDIOT speaks ‘coz he has to say something!

Join Date 16.03.2014 Location Newark, Notts Ducati models 916/1098 hybrid Posts 145

Id be writing to the insurance ombudsman robbie i can’t see how they can log something as any sort of claim when no claim was made

The Following User Says Thank You to thomp1983 For This Useful Post:

Join Date 11.07.2011 Location Dundee Ducati models M900ie S2R 1000 Other bikes Buell S1 Lightning Posts 468

QUOTE=thomp1983;243088]Id be writing to the insurance ombudsman robbie i can’t see how they can log something as any sort of claim when no claim was made[/QUOTE]

I agree, hopefully you can get it sorted. Think I’d be

The Following User Says Thank You to cactus For This Useful Post:

Join Date 13.04.2008 Location Falkirk Ducati models 749bp Posts 5,411

Thanks for the advice guys, will get a letter drafted!

A WISE man speaks ‘coz he has something to say. An IDIOT speaks ‘coz he has to say something!

Join Date 11.01.2009 Location northumberland Ducati models 748 Posts 25

Insurance thieves

I had a phone call from ‘my’ insurance company telling me my policy renewal was due.
She knew my registration so I thought it was legit.
I didn’t have time to discuss it then so I asked her to call back the next day.
I thought I’d double check and lo and behold it wasn’t due for another six months!
She even phoned back and wasn’t fazed when I told her of her mistake.
She even offered me other insurance products.

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