MCE IS CRAP, ROGUES, SCOUNDRELS, AVOID THEM LIKE HELL!!! WHEN MY MOTORBIKE GOT STOLEN, THOSE PEOPLE TURNED MY LIFE INTO A LIVING HELL AND RIPPED ME OFF EVEN FURTHER INSTEAD OF ANY HELP!!! DOING IT OPENLY, ARROGANTLY, LAUGHING AT MY FACE!!! ********************************************************************* When I signed up to MCE, I took their TOP COMPREHENSIVE plan for a motorbike, which included theft insurance. There came a day when my motorbike was STOLEN. I declared the theft to the police and to MCE. The woman from MCE I talked to told me that I had to wait two weeks in case the motorbike would be found. She said that if the motorbike was not found, MCE would pay me the price of a new one. Indeed, my motorbike was found by the police within 2 weeks. It was abandoned by the thieves, badly damaged and half-destroyed. The police sent me a letter stating that the vehicle was at the Police Pond and needed to be collected within 10 days, and that they were charging me a daily fee for the storage. I called MCE, and they reassured me that because I was paying the comprehensive plan including theft protection, they would collect the motorbike from the Police Pond themselves, have it repaired and deliver it back to me at no cost. That day, it sounded like paradise. I was not even realising that the real HELL was only starting. Weeks were passing, but nobody was collecting my motorbike from the Police Pond. I started calling MCE to get some news, but the Christmas period was approaching, and one would need up to an hour or two now just to get through to them, let alone the horrendous number of options to type (press #1, press #5, press #3... you know the drill). Five or six times I called MCE would tell me that my motorbike would be collected "tomorrow", but then absolutely no news again. After two weeks I called the Police Pond, who told me that MCE had shown up once, but had the wrong van and equipment on them (like they did not know which motorbike make it was), so they gave up and left without any further notice. MCE finally collected my motorbike about three weeks later, without providing me with any updates, and by now forcing me to call them almost every day, wasting up to an hour to reach them. EVEN THEN, THE HELL WAS ONLY STARTING. About three weeks later, MCE contacted me with a quote for the repairs of the damaged vehicle. Their quote came to £2,000, and then they nicely informed me that despite my "top comprehensive" insurance plan I had an excess policy of £1,900... so they would expect me to pay £1,900 and they would pay £100. Astonished to find out about that excess policy (that nobody had even mentioned to me when I was setting up my insurance plan), I went back to my contract with MCE to try to find where it was stated, and after going through all of their documents finally found one small line "MCE1 - £1900.00,MCE6,MCE7,MCE9,MCE14,MCE15,MCE16,MCE106 (see table below)". That's all. IT ALL CLEARLY LOOKED LIKE MCE WERE BRINGING BUSINESS TO THEIR BUDDIES. As my confidence in MCE started dropping, I asked them for a document describing the damage to the motorbike, so that I could ask for a quote from another repair shop. It took me another two weeks and a dozen of new phone calls (each on average a half-an-hour to get through) to finally get such a document out of them. My own dealer gave me a quote of £1,200 for the repairs (compared to the £2,000 quote from MCE), so I called MCE to say that I would prefer to have the bike repaired by another shop. MCE told me that in that case I would have to cancel the claim with them, pay them claim cancellation fees (about £400), pay for the 3 weeks of storage fees at the police pond, make all arrangements myself to collect the motorbike back from Bedfordshire where they had taken the bike, and have it delivered back to London at my own expense. AT THAT POINT THE WOMAN FROM MCE (NICKY) WAS PRACTICALLY LAUGHING AT MY FACE, REMINDING ME THAT WHICHEVER OPTION I TAKE, THEY WOULD RIP ME OFF ANYWAY NOW. I tried to reach their line managers several times to complain. That only resulted in an extra 3 weeks of my case being "studied by the management". Three more weeks during which they would never give me any updates, and it would take up to an hour every time to reach them on the phone again. After three weeks, I finally managed to negotiate at least the pond fees and to have the bike delivered back from Bedfordshire to London. THEY STILL MADE ME PAY ABOUT £400 TO CANCEL THE CLAIM. Someone called me to collect the payment (when it comes to collecting payments, MCE are really efficient) and told me to wait for the news from their delivery service. Needless to say, I had to call again several times to get any news from the delivery service. ANOTHER HELL STARTED FROM THAT DAY. I kept calling to get any updates on the delivery date, but they were only telling me that now that my claim was cancelled, the delivery was handled by their partner, and they were assuming no responsibility over it. When I was trying to reach their partner (several times getting hanged up upon), they could barely speak any English, and always promised me "tomorrow"... yet nothing would happen "tomorrow". I would call back again and again, and they would promise "tomorrow" again and again. THAT KEPT GOING ON FOR ANOTHER MONTH. ********************************************************************** IN TOTAL: - MCE HAVE KEPT MY VEHICLE FOR 4 MONTHS - HAD ME CALL THEM DOZENS OF TIMES GOING THROUGH HELL TO GET THROUGH - MADE ME WASTE DOZENS OF HOURS OR DAYS ARGUING WITH THEM - LAUGHED AT MY FACE AND BLACKMAILED ME - MADE ME PAY THEM £400 - DID NOT HELP ME OUT WITH A PENNY ********************************************************************** If you want the same thing to happen to you, then MCE is your choice.