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  #1  
Old 6th January 2018, 08:20 AM
vinniecopenhagen vinniecopenhagen is offline
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Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default MCE Insurance

Hi,
Just got a phonecall from MCE, asking me would I like to purchase Excess reduction for €114. Apparently my Excess is €2,000.!!!! Yet when I was getting my policy,the girl on the phone told me that if I made a fraudulent Claim the Excess would be€2,000, I asked her if I had to make a legitimate claim what would the Excess be,she replied "Zero". I have a 2014 Gsxr 750, value €7,500. Not garaged,on a driveway. I had it insured with Cornmarket and the Excess was only €250. I'm only with MCE since 21st Dec.Im seriously thinking of taking a 25% hit and cancelling my insurance with them.I have 13yrs NCB,Full Licence. Any info or advice would be appreciated.
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  #2  
Old 6th January 2018, 08:27 AM
vinniecopenhagen vinniecopenhagen is offline
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Original Poster of This Thread Topic Starter
 
Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default Re: MCE Insurance

Also ,on my policy document,it states Voluntary Excess 0.
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  #3  
Old 6th January 2018, 08:44 AM
Interceptor's Avatar
Interceptor Interceptor is online now
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Default Re: MCE Insurance

Ring them and get clarification. Don't do anything hasty.

'cptr
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  #4  
Old 6th January 2018, 09:44 AM
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eirehead eirehead is offline
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Biker.ie Member No. 2809 from Clare
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Default Re: MCE Insurance

You can also contact Insurance Ireland (the insurance regulator) and discuss your situation with them. I had a good experience with them with a 4 wheel insurance screw-up. They won't fix the problem for you but if you've been messed about, they'll back you up.
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  #5  
Old 6th January 2018, 10:32 AM
vinniecopenhagen vinniecopenhagen is offline
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Original Poster of This Thread Topic Starter
 
Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default Re: MCE Insurance

Originally Posted by Interceptor
Ring them and get clarification. Don't do anything hasty.

'cptr
Just Rang them,they are going to listen to the call recording and will ring me back within 72 hours.
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  #6  
Old 6th January 2018, 11:29 AM
HurricaneDream HurricaneDream is offline
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Biker.ie Member No. 37795 from Limerick City
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Default Re: MCE Insurance

Originally Posted by vinniecopenhagen
Just Rang them,they are going to listen to the call recording and will ring me back within 72 hours.
They are pretty good with the listening's they told me 72 hours got back in 26 they really do fight your corner and with the document backing you up you should be sound
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  #7  
Old 6th January 2018, 11:29 AM
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PADDYOT PADDYOT is offline
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Default Re: MCE Insurance

Originally Posted by vinniecopenhagen
Hi,
the girl on the phone told me that if I made a fraudulent Claim the Excess would be€2,000, I asked her if I had to make a legitimate claim what would the Excess be,.
That makes zero sense, or maybe I'm reading it wrong.
How can they have a figure for excess on a fraudulent claim? Surely they just wouldn't pay out and then invalidate your insurance policy? Interested to hear what they come back with and also love to know if anyone else actually paid the 'Excess reduction' money.
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  #8  
Old 6th January 2018, 12:07 PM
vinniecopenhagen vinniecopenhagen is offline
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Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default Re: MCE Insurance

Originally Posted by PADDYOT
That makes zero sense, or maybe I'm reading it wrong.
How can they have a figure for excess on a fraudulent claim? Surely they just wouldn't pay out and then invalidate your insurance policy? Interested to hear what they come back with and also love to know if anyone else actually paid the 'Excess reduction' money.
Fraudulent may be a wrong choice of words,think she meant if there is any problems with a claim.
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  #9  
Old 7th January 2018, 11:17 AM
Scout12 Scout12 is offline
Wobbling Fledgling
 
Biker.ie Member No. 37043 from Dublin
27 posts since Mar 2017
Default Re: MCE Insurance

Also "Voluntary Excess" on your schedule or terms of business can mean the amount added onto the insurers regular excess, that's the way one of the big ones did it when I worked in cage insurance. Bit ropey if it's the only thing displayed relating to excess, which happened with the formatting on some of our documents.
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  #10  
Old 7th January 2018, 11:18 AM
vic-vtrvfr vic-vtrvfr is offline
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122 posts since Feb 2014
Default Re: MCE Insurance

Check the wording of your policy carefully, sometimes theres a compulsory excess and a voluntary excess.
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  #11  
Old 7th January 2018, 02:29 PM
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ToolMan ToolMan is offline
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Biker.ie Member No. 4964 from Claremorris
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Default Re: MCE Insurance

Originally Posted by vinniecopenhagen View Post
Also ,on my policy document,it states Voluntary Excess 0.
voluntary excess is in addition to your standard excess.

MCE is known for there high excess which is why the have low rates. 2K is pretty normal with them.

I have never came across any insurance that had a 0 standard excess.
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  #12  
Old 9th January 2018, 10:07 AM
vinniecopenhagen vinniecopenhagen is offline
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Original Poster of This Thread Topic Starter
 
Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default Re: MCE Insurance

Thanks for all the replies lads, still waiting on a phone call.
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  #13  
Old 9th January 2018, 03:25 PM
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allsorts&oddjobs allsorts&oddjobs is offline
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Biker.ie Member No. 9980 from west limerick
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Default Re: MCE Insurance

Seem to pull excess numbers out of thin air, that's nuts.

Last edited by allsorts&oddjobs; 9th January 2018 at 08:29 PM.
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  #14  
Old 9th January 2018, 07:01 PM
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sharpbikes sharpbikes is offline
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Biker.ie Member No. 30720 from Offaly
1,874 posts since Jan 2013
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Default Re: MCE Insurance

was with mce but moved and paid more, in the end they tried to claim i had to pay my excess when someone backed into my parked bike, then when driver admitted fault mce skipped me across 5 solicitors in ireland before the drivers insurance rang me and sorted it for me within a day. mce couldnt get laid in a brothel
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  #15  
Old 9th January 2018, 08:32 PM
vinniecopenhagen vinniecopenhagen is offline
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Original Poster of This Thread Topic Starter
 
Biker.ie Member No. 7376 from dunlaoghaire
88 posts since Nov 2007
Motorbike: 141 D gsxr 750
Modifications: Akrapovic Shorty end can.
Default Re: MCE Insurance

Just an update on my post. MCE rang me today and read the transcript of my voice recording back to me. The girl actually said at the time that if I put in a "Fault" Claim, meaning it was my "fault", I would have to pay the Excess. But if I put in a "Non Fault Claim, meaning it wasn't my fault, then I wouldn't have to pay the Excess. I thought she said " False". Must be gw
etting old,cant hear the young whippersnappers...I can live with that as I'm hardly going to make a claim if its my Fault. And I know they will still have to assess whose Fault it is , Just hope I never need to Judging by SharpBikes Experience.
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  #16  
Old 9th January 2018, 11:51 PM
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PADDYOT PADDYOT is offline
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Default Re: MCE Insurance

Originally Posted by vinniecopenhagen
Just an update on my post. MCE rang me today and read the transcript of my voice recording back to me. The girl actually said at the time that if I put in a "Fault" Claim, meaning it was my "fault", I would have to pay the Excess. But if I put in a "Non Fault Claim, meaning it wasn't my fault, then I wouldn't have to pay the Excess. I thought she said " False". Must be gw
etting old,cant hear the young whippersnappers...I can live with that as I'm hardly going to make a claim if its my Fault. And I know they will still have to assess whose Fault it is , Just hope I never need to Judging by SharpBikes Experience.
That makes more sense. I find a lot of the time they fire out the spiel so quickly because they know it off by heart that it's sometimes hard to keep up with what they're telling ya.....
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  #17  
Old 11th January 2018, 05:01 PM
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soccersmyth soccersmyth is offline
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Biker.ie Member No. 23867 from Lios na Scéithe,
1,251 posts since Sep 2010
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Default Re: MCE Insurance

Anyone considering insuring with them.
Grab yourself a cuppa.
Sit back and Google "MCE complaints"
You'll be a while.
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  #18  
Old 12th January 2018, 10:05 PM
damen damen is offline
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Biker.ie Member No. 34995 from Near Glanmire
10 posts since Jul 2015
Motorbike: suzk3,cbr600rr,tiger 800
Default Re: MCE Insurance

I went with them my first year on gsxr,cheap as chips but I was hoping nothing would happen as I didn't fancy the long UK call and I had heard they were being slated for customer service ect so I moved once year ncb was made...up to yourself..
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