Restricting a Pointy?

Im with MCE. never had any problems and very straight forward and cheap!

im paying £580 (17 on 33bhp 07 sk6)
20,000miles
insured abroad (EU)
insured on other bikes 3rd party
33bhp 'modification'
legal cover

just as straight forward with other insurance companies i have been with. Just think one person with a negative experience with an insurance company is more likely to brag about it than someone whos experience is fine with no issues.

[joshwalker094]

Gregga- what cover is that ? My policy ends with them on 14/2/12 and just got a renewal of them for over £1400 and im 17 (33 bhp 06 sk6), up to 3000 miles, insured abroad (EU)
pillion cover
33bhp 'modification'
legal cover
third party fire and theft
also will have 1 yr no claims

Originally Posted by joshwalker094

Gregga- what cover is that ? My policy ends with them on 14/2/12 and just got a renewal of them for over £1400 and im 17 (33 bhp 06 sk6), up to 3000 miles, insured abroad (EU)
pillion cover
33bhp 'modification'
legal cover
third party fire and theft
also will have 1 yr no claims

3rd party fire and theft with pilion cover
I had 1 years no claims from a 50cc which they accepted and included.
Taken out on 18th July 2011 for 12 months.
Bike value listed as £2800 with excess of £350
I said I use security devices but selected 'not in list' 9/10 times I always use a chain lock

[timwilky]

I think you will find the general consensus is to avoid MCE. Yes I have used them and they were absolutely fine. Then again I did not have any claims, gave notice that I wished to terminate the policy at the end of its term and had no mid term changes. In other words their money taking/paperwork issuing for an unmodified bike worked perfectly.

The proof of a pudding is in the eating. For insurance you only know how good they really are when you need to make a claim. My only negativity with MCE was because I read my renewal paperwork and realised they would automatically renew unless told not to and would apply a charge against my debit card that I had originally used. I thought this extremely bad practice and gave notice of termination well in advance to ensure they did not engage in such a dubious practice with my money.

Originally Posted by Gregga

Im with MCE. never had any problems and very straight forward and cheap!

im paying £580 (17 on 33bhp 07 sk6)
20,000miles
insured abroad (EU)
insured on other bikes 3rd party
33bhp 'modification'
legal cover

just as straight forward with other insurance companies i have been with. Just think one person with a negative experience with an insurance company is more likely to brag about it than someone whos experience is fine with no issues.

At 17 with TPF+T able to ride & be insured another ones bike doesn't sound right. I thought you had to be fully comp as if your to crash, your insurer will pay out for the bike your riding at the time.

TPF+T won't pay out for a crash if it's your fault,that sounds wrong to me. (not saying your lieing but, doesn't sound like an insurer would allow this at your level of cover)

More than one person has advised to aviod MCE for reasons, being new to biking you will want the cheapest cover possible, but the cheapest doesn't mean the best.

im fully comp and have riding other bikes on my policy, but when im on the other bike, im only covered third party.

Originally Posted by tom-k6

im fully comp and have riding other bikes on my policy, but when im on the other bike, im only covered third party.

Yea thats what I thought,

Fully comp - You can ride others bike at 3rd Party

Your technically riding 3rd party anyways just it's got a bonus of Fire & Theift?

[yorkie_chris]

Originally Posted by AZZ3R

Yea thats what I thought,

Fully comp - You can ride others bike at 3rd Party

No, this is a common misconception which you should look at carefully to avoid riding without insurance.

It used to be nearly all FC policies had other vehicle added, however it was never a given.

Just because you are fully comp does not mean you have other bikes cover, just because you're not doesn't mean you don't. Like my TPFT cover with bikesure has other bikes on it too

Avoid MCE, they are bad. Had a lot of trouble with them and also, you get a quote from them, and they always say it'll include riding other bikes, breakdown cover and EU cover.
The three times I had insurance with them, they said it was a "system error" each time and only gave me all three the first time "as a goodwill gesture".

My friend got an insurance policy from them, mostly because it included the three extras listed above. Surprise surprise, "oh, no, it must have been a system error".

Also, don't assume that getting a fully comprehensive insurance policy means you will be insured in any way to ride other vehicles. I recently had to inform my Dad that he would absolutely not be covered to drive someone else's car if it didn't state so on the policy. Think of the possible bad outcomes if he had, and then was involved in anything.