MCE Insurance offers protection to people who might otherwise struggle to get insurance after a driving conviction. Read our review to see if it offers the right policy for you.
If you’ve been convicted of a driving offence and face an uphill struggle to find a car insurance company that will cover you, don’t despair. MCE Insurance may well have you covered. We’ve analysed the policies offered by MCE and here’s what you need to know.
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Who is MCE Insurance?
MCE insurance has been around since 1975 and is widely known for its motorbike insurance. But as well as understanding the needs of bikers, the insurer also specialises in car and van cover for convicted drivers.
What levels of cover does MCE offer?
MCE offers three standard types of cover but these policies can be customised to suit you.
The legal minimum level of cover required in the UK, third party protects you if your car is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your car or medical bills relating to personal injuries.
Third party, fire and theft
You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your car is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your car or personal injuries after an accident.
You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your car if it’s damaged after an accident, provide money for a new car if yours is declared a write-off and cover you for any personal injuries.
It’s worth noting that you might not be insured to drive other cars not listed on the policy. If in doubt, check your policy details carefully or contact MCE Insurance directly to ask what you are covered for.
What types of vehicles and drivers does MCE cover?
MCE offers cover to car and van drivers with a motoring conviction. The insurer claims to have experience in dealing with convicted drivers relating to an array of motoring offences, including the following:
- Careless driving
- Reckless/dangerous driving
- Motorway offences
- Accident offences
- Disqualified driver
- Drink or drugs
- Construction and use offences
- Insurance offences
- Licence offences
- Miscellaneous offences
What is covered under my policy?
Here’s a breakdown of the benefits and features to each level of cover offered by MCE
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people||✓||✓||✓|
|Legal expenses cover||✓||✓||✓|
|Personal accident cover in the event of death||✓||✓||✓|
|Breakdown cover in UK and Ireland only (only for policyholders with a full driver’s licence)||✓||✓||✓|
|183 day European cover (only for policyholders with a full driver’s licence)||✓||✓||✓|
|Fire and theft||–||✓||✓|
|Lost key cover||–||–||✓|
MCE Insurance offers a range of optional extras. These include:
- Excess reducer. Customers can choose to pay for this if they want to lower their excess by up to 50%.
- Protected no-claims bonus. Customers can keep their no-claims bonus safe with this cover even if a claim has been made.
- Windscreen and window cover. Customers can choose to have damaged glass repaired or replaced.
- Misfuelling cover. If the wrong fuel goes in the tank, this cover will get your car back on track.
What is my excess?
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. The amount of compulsory excess will vary depending on the age of your car and your driving experience.
Compulsory excess will also vary between the third party fire and theft and comprehensive levels of cover provided by MCE Insurance. If you think the excess is still too high, MCE offers excess reducer cover as an optional extra, which can bring it down by up to 50%.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for MCE Insurance?
If you find yourself in an accident or your car has been stolen, you’ll need to call MCE Insurance on 01933 351528. This is a UK-based 24-hour claim line open seven days a week so you shouldn’t have to worry about any unnecessary delays in informing your insurer about an incident and subsequent claim. Claims need to be made over the phone.
Keep the following details to hand in order to process a claim:
- Your name and current address
- Your registration number
- Your policy number
- Your country of registration
- The date, time and place of the accident
- Details of any other vehicles involved
- Any other key information surrounding the accident or photos that were taken at the scene.
Once you’ve provided these details, you should get your completed claim form sent to you in the post. You’ll be able to check all the details, sign if correct and then return.
Getting your car repaired
If your car is damaged and needs to be fixed, MCE Insurance has approved repairers across the UK and can even sort out pick-up and drop-off for you.
If your vehicle is beyond repair, or the costs to fix it up outweigh its current market value, your car will be declared a total loss and moved into storage.
Before a claim can be settled, MCE Insurance may require the following documentation from you:
- The vehicle registration document (V5)
- The MOT certificate
- Your certificate of motor insurance
- The vehicle purchase receipt
- Details of any outstanding finance
- All sets of keys
- Any other information, such as the service history, which you may wish your insurer to take into account when valuing your car.
An MCE engineer is then likely to get in touch with you to decide on the value of your car, taking into account the deductions for any policy excess, outstanding insurance premiums yet to be paid and any finance still owed.