MCE Insurance Reviews

Name: MCE Insurance
Rating: 3.97

4.0 Rating 5,335 Reviews

73 %

of reviewers recommend MCE Insurance

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4.0

Based on 5,335 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	4 out of 5

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MCE Insurance 5 star review on 28th March 2023

Muhammad Tanveer Malik

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“The recovery service is unsatisfactory I was recovered by them it was after opening hours of the bikes dealership. The recovery company dropped me off with the bike at my home address "call in the morning to arrange another recovery time because the dealership is closed and the bike could not be dropped we will do it again" I was told by the driver. On the morning to rearrange delivery I explained the dealer was closed @6pm and the bike was not able to be dropped of so I would like it taken there again. I was told by MCE I should have left the £12500 bike out side over night, a bike that on the policy has to be garaged at night, after this I will be not using MCE if the are cheaper or recommended them to anyone.”

Helpful Report

Posted 8 years ago

“Paid in full they tried to charge me monthly payments too, idiots!”

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Posted 8 years ago

“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.”

Helpful Report

Posted 8 years ago

“They will be nice and professional until they have your money. After that it's an absolute rip off for anything you ask for like changing your car or cancelling the policy or doing any amendments. READ THE CONTRACT VERY WELL”

Helpful Report

Posted 8 years ago

“Absolutely appalling. Ripping people off when cancelling insurance of 75% of the value paid for the policy only after 4 months of the policy started. PLUS FEE. AVOID AT ALL COST.”

Helpful Report

Posted 8 years ago

“what an absolute shambles of a service, greed is good for these pathetic bullys, charge an absolute fortune and add on top then blame the customer when something goes wrong, honestly who even are these nut cases, little high school drop outs looking to make some big money as im sure the bosses would say ? pathetic !”

Helpful Report

Posted 8 years ago

“this company is the worst iv been with they given me quote an excess fee from the price i paid for my bike to find out they then do a valuation of ur bike anyway disregarding the price u paid nill voiding the policy been completely ripped off not only was my bike stolen by thieves but the insurance also robbed me by not paying out i would never recommend this company to anybody !!!!!!”

Helpful Report

(Motorbike Insurance) - Posted 8 years ago

“I only gave this company a 1 because there wasn't a minus option!! Absolutely shocking experience!!! I wish I had read the reviews before I insured my bike as I would have thought twice. Yes they are cheap but there is a reason for that. They don't deal with your calls, it costs a fortune to ring them, they don't respond, they drag their heals, they request the same information over and over again, they still take your monthly payments and your insurance will be void if you don't continue to pay despite not having a bike, they reduce your overall pay at the end by the full year's insurance no matter how long you have had the bike, they reduce it by anything they can i.e. if you don't have the full service history at the exact time they deduct 10%, you have to repeatedly chase them and getting your money is like getting blood out of a stone! Oh and when eventually you do get a settlement which is not anywhere near what you paid, you don't get your money for months! If you had finance on a bike with this company and something happened you would never get the money to pay your finance off no way! I am not someone who regularly writes reviews but I was so appalled by this company I just had to let other people know how shockingly bad they are before they too suffered the same completely unacceptable service that I received. SHOCKING!”

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Posted 8 years ago

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Helpful Report

(Motorbike Insurance) - Posted 8 years ago

“What an absolutely horrible insurance company! Took me 4 months and £175 in telephone calls before they wrote my bike off after my no fault accident. Even after the 3rd party's company settled with them, they withheld my NCD. Their staff are incompetent to a man and they have no system for recording customer complaints. AVOID AT ALL COST!”

Helpful Report

Posted 8 years ago

“Finally got my claim and compensation 10 months after my bike was stolen. Only got this via the Financial Ombudsman. The Ombudsman was great but absolutely flabbergasted by MCE's total and utter failure to honour a clear agreement. Even after the FO's ruling they tried to only pay half and I had to ask the FO to chase every day for two weeks. They are genuinely crooked - and that's official!”

Helpful Report

Posted 8 years ago

“Avoid at all costs. These guys are in a league of their own . Will get you a cheap quote and why not, they wont pay anything like they should if you have to make a claim.”

Helpful Report

Posted 8 years ago

“hg”

Helpful Report

(Car Insurance) - Posted 8 years ago

“Thanks to go compare I had the best deal with this insurance company for my motorbike. (High risk motorbike)”

Helpful Report

(Motorbike Insurance) - Posted 8 years ago

“Poor company, lock you into a sneaky year long contract and class it similar to a finance package!”

Helpful Report

Posted 8 years ago

“Have you noticed that all of the bad reviews stem from people who've actually had to involve MCE in a particular incident? They're great until you need to speak to them about ANYTHING. I had to cancel my policy after 2 months because I ended up selling my bike. I paid £437 up front, 2 months payment should equate to about £73 in total. The total amount they've told me they'd refund me is £197 - So that's an additional £170 worth of charges and % fees on top of what I've already paid for the 2 months insurance that I've used. In addition to this, I had to hold on the line multiple times for up to an hour just to cancel my policy. They even attempted to charge me for 3 months of my policy because I called up a day after a full 2 months, but luckily I sent an email the day before so they let it slide. I've received no email confirmation of my cancellation or refund so I'll probably have to ring them back to make sure it has actually gone through; and I'll probably have to endure another 40 minute holding time. All insurance companies bend you over, but I feel well and truly screwed by MCE. Stay away.”

Helpful Report

Posted 8 years ago

“Nightmare company to deal with in the unfortunate event of making a claim!! MCE do not honor their written documentation, or their verbal word. Ended up dealing with Insurance Ombersman for resolution, process delayed/stalled by MCE for over 3months. They just add additional excesses to the policy not described in their PDS. MCE will scalp you wherever possible. Look elsewhere as you do not want the timely stress and headaches. Amateurs!”

Helpful Report

(Motorbike Insurance) - Posted 8 years ago

“Everything went wrong. They are young people answering the phone.. Can never get through - spoke to 20 different people in one day.. Absolute waste of time. How can they be the No.1 Motorbike insurer... Terrible experience, and weve only just taken the policy out...”

Helpful Report

Posted 8 years ago

“cheap and very easy to get insured with and also insured me for everything i wanted”

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(Motorbike Insurance) - Posted 8 years ago

“Bike got stolen 6 mouths ago ant still no pay out very poor never herd of them in about 3 months”

Helpful Report

Posted 8 years ago

MCE Insurance is rated 4.0 based on 5,335 reviews