I hate insurance renewal time!!!

Discussion in 'General 1000RR Discussion' started by nickcbr, Jul 26, 2012.

  1. nickcbr

    nickcbr Active Member

    Joined:
    Sep 6, 2011
    Messages:
    122
    Likes Received:
    4
    Im coming up to insurance renewal and have my renewal of 432 from cia(best they can do).

    However MCE are quoting 309, quite a difference. There's no real in between contenders so nOw I just don't know what to do????

    I've read such bad things about mce, but is it just a case of bad news travels fast?

    Should I just stick with CIA? But then 120 odd quid is a fair bit!!

    Any thoughts or opinions before I kick my laptop out the window and just ride the blade uninsured lol

    Nick
     
  2. phantomx0_1

    phantomx0_1 Active Member

    Joined:
    Mar 10, 2012
    Messages:
    1,087
    Likes Received:
    194
    Used MCE loads before dOing my advance test and switching to IAM surety.

    Always found MCE good

    Go with tr cheapest basically'
     
  3. viper_biker

    viper_biker Active Member

    Joined:
    Jan 23, 2011
    Messages:
    508
    Likes Received:
    138
    I moved to MCE (well, it's actually Bike Devil, a subsidery of MCE) this year. Basically, all insurance companies are bastards and you'll never get a good review from anyone about them. For me, the cheapest ones are the ones I go with, the only thing I consider looking at is the excess and protected NCB. I've declared all mods too and it came in at a bit over £200.
     
  4. nickcbr

    nickcbr Active Member

    Joined:
    Sep 6, 2011
    Messages:
    122
    Likes Received:
    4
    That's the one with the protected xs isn't it viper?
     
  5. viper_biker

    viper_biker Active Member

    Joined:
    Jan 23, 2011
    Messages:
    508
    Likes Received:
    138
    Yup, no excess and protected NCB and was £1 more than the deal from MCE.
     
  6. martinowen

    martinowen Moderator
    Staff Member

    Joined:
    May 29, 2012
    Messages:
    9,907
    Likes Received:
    3,680
    I have always found MCE quite good, my brother had a few probs with a claim but then I did with CIA, where I know people that have found CIA and MCE good in that situation so I think it's just pot luck on the individual that is dealing with your claim within the call centre like any where you go insurance or not I suppose
     
  7. Smiler

    Smiler Active Member

    Joined:
    Dec 9, 2011
    Messages:
    242
    Likes Received:
    64
    There all as bad as each other, just check the excess, mileage, pillion cover etc..... i generally have to swap each year!
     
  8. nickcbr

    nickcbr Active Member

    Joined:
    Sep 6, 2011
    Messages:
    122
    Likes Received:
    4
    Yep all checked, it's actually a much better sounding policy than my renewal too! With a lower excess! And all mods declared!
     
  9. Jonny fireblade

    Jonny fireblade Active Member

    Joined:
    Mar 6, 2011
    Messages:
    349
    Likes Received:
    65
    I got renewal 418 swinton bikes, just done a few comparisons mcn compares cheapest was 181, with Hastings, then compare the Market 108 with wait for it swinton bikes! If I wasn't saving money I'd tell them to stick it!!!
     
  10. arthurbikemad

    arthurbikemad A very helpful Gent

    Joined:
    Aug 18, 2011
    Messages:
    5,371
    Likes Received:
    3,579
    DO NOT be loyal to ANY of them, get the best deal you can!
     
    • Like Like x 4
  11. ieathaggis

    ieathaggis Active Member

    Joined:
    Jan 22, 2012
    Messages:
    344
    Likes Received:
    50
    I was with MCE last year and had no problems but got a much better quote from H&R this year, about £100 cheaper.
     
  12. Garyb

    Garyb Moderator.
    Staff Member

    Joined:
    Oct 11, 2011
    Messages:
    4,962
    Likes Received:
    3,587
    Agreed. Screw them down as the do us.
    With the power of the internet it's perhaps at times only our own complacency that blocks us to getting the best deal.
    Yes individual circumstances play a major factor too, even using the price comparison sites you can still get another bit off the price by going to the provider direct.
     
  13. samuk

    samuk Well-Known Member

    Joined:
    Apr 15, 2011
    Messages:
    1,249
    Likes Received:
    106
    I was insured with MCE 2 years back...had no issues - thought i did not need to make a claim

    watch out for the free brake down cover they give though...its useless!
     
  14. samuk

    samuk Well-Known Member

    Joined:
    Apr 15, 2011
    Messages:
    1,249
    Likes Received:
    106
    well said..:cool:
     
  15. martinowen

    martinowen Moderator
    Staff Member

    Joined:
    May 29, 2012
    Messages:
    9,907
    Likes Received:
    3,680
    [/QUOTE]watch out for the free brake down cover they give though...its useless![/QUOTE]

    It's ok we dont need brake down cover we all ride Honda's
     
    #15 martinowen, Jul 27, 2012
    Last edited: Jul 27, 2012
    • Like Like x 2
  16. nickcbr

    nickcbr Active Member

    Joined:
    Sep 6, 2011
    Messages:
    122
    Likes Received:
    4
    well i went with MCE - they had fucked it up within half hour lol - but credit to them its all sorted now. All mods listed, by far the cheapest quote I had.

    Fingers crossed for a trouble free year!
     
  17. arthurbikemad

    arthurbikemad A very helpful Gent

    Joined:
    Aug 18, 2011
    Messages:
    5,371
    Likes Received:
    3,579
    My girl got renewal day or two ago for her 125 they said 96 quid then today take 150! got told to re fund it and piss off....tossers! They did not even ask, just had the bank details and went ahead!
     
  18. martinowen

    martinowen Moderator
    Staff Member

    Joined:
    May 29, 2012
    Messages:
    9,907
    Likes Received:
    3,680
    I had that once cant remember who it was though, either bikesure or highways I think
     
  19. Givover

    Givover God Like

    Joined:
    Jul 28, 2011
    Messages:
    7,009
    Likes Received:
    3,754
    I have not opened a new thread due to the repeat /boredom factor however i have just renewed the blade fully comp with end can 9 years no claims protected for £264.21 .Swinton who i am with phoned yesterday and by chance i was upstairs on the computer so i picked it up which is unusual as we dont normaly bother so the girl explained it is a month early but an extra 15% off bla bla! so i just did it policy starts as the old one runs out so pretty happy with that.
     
  20. Bobmg

    Bobmg Active Member

    Joined:
    Mar 23, 2011
    Messages:
    287
    Likes Received:
    97
    Just renewed with MCE , 32 mods declared £358 with 9 years NCB , just got docs through today , read through them and breakdown cover is useless , rung them up to upgrade to full National recovery with the RAC cost me an extra £36
     

Share This Page