MCE Insurance motorbike insurance review

Gearing up in leathers and hitting the road on two wheels can be the perfect thrill-seeking adventure for some. But does securing the right level of cover leave you in a spin?

To help ensure you don’t end up paying for benefits you won’t use, we’ve reviewed MCE Insurance’s different cover levels. And it’s not just for leisure bikers – if you’re a courier or food delivery rider, MCE can offer insurance, too.

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Who is MCE Insurance?

MCE Insurance has been around since 1975 and prides itself on understanding bikers.

• Who underwrites MCE's motorbike insurance?

  Who underwrites MCE’s motorbike insurance?

  MCE Insurance underwrites its own insurance policies. It is authorised and regulated by the Financial Conduct Authority (FCA) and also subject to limited regulation by the Central Bank of Ireland for conduct of business rule.

What levels of cover does MCE offer?

MCE offers three standard types of cover but these policies can be customised to suit your personal requirements.

• Third party
• Third party fire and theft
• Comprehensive

MCE will allow policy holders across all three cover levels to ride any bike as long as they hold a full bike licence and ride a bike with an engine size that is 351cc or above.

It’s worth noting that you might not be insured to carry passengers or ride other motorbikes not listed on the policy. If in doubt, check your policy details carefully or contact MCE Insurance directly to ask.

What types of insurance does MCE provide?

MCE’s speciality is bike insurance and it will insure any bike regardless of age or model. Here’s a list of some of the different types of bike cover available with MCE:

What is covered under my policy?

Here’s a breakdown of the benefits and features to each level of cover offered by MCE:

Optional extras

MCE Insurance offers a range of optional extras that might be appropriate if you’re after a little more peace of mind in certain areas, depending on your circumstances. Some of the additional cover options that MCE offers are:

• 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.
• Misfuelling cover. If the wrong fuel goes in the tank, this cover will get your bike 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 excess will vary depending on the age of your bike and your riding experience.

It also varies between the third party fire and theft and comprehensive levels of cover provided by MCE. If you think the excess is still too high, MCE offers excess reducer cover that can bring it down by up to 50%.

You’ll find details about any excesses in your policy document.

What is the claims process for MCE Insurance?

If you find yourself in an accident or your bike has been stolen, you’ll need to call MCE Insurance on 01933 351528. This is a 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 do need to be made over the phone.

Note that (at the time of writing) there’s currently no option to make a claim to MCE via email.

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 vehicle repaired

If your damaged bike needs fixing, MCE Insurance has approved repairers across the UK and can even sort out pick-up and drop-off for you.

If your vehicle can’t be repaired, or the costs to fix it up outweigh its current market value, your bike 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 vehicle

An MCE engineer is then likely to get in touch with you to decide on the value of your vehicle, taking into account the deductions for any policy excess, outstanding insurance premiums yet to be paid and any finance still owed.