MCE Insurance Reviews

Name: MCE Insurance
Rating: 3.97

4.0 Rating 5,344 Reviews

73 %

of reviewers recommend MCE Insurance

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4.0

Based on 5,344 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	4 out of 5

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MCE Insurance 1 star review on 26th June 2025

Email (Francisolivia771 AT Gmail.com) They Helped Me Recover What I Thought Was Impossible.

MCE Insurance 1 star review on 23rd May 2025

Fredmercy347 At Gmail.com

MCE Insurance 2 star review on 15th May 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“They have a scam going where they charge you £30 missed payment fee when you pay on the day. My son was also experiencing this same scam. They quote cheap so they can hit you with fees to make up they’re money. I wasn’t aware at the time but they also broke. I asked to change the date in which I pay and apparently this isn’t achievable either they must have very basic staff to not be able to change the date or they just aren’t very helpful. I dread to think what they would be like if you ever actually needed them for a claim.”

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Posted 2 years ago

“M c e , will not contact me , the gave me an email to contact as the owe me 2500 pound , , but thank god I got my bike back , if anyone knows who to contact about this I would be great full , but everyone stay away ,”

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Posted 3 years ago

“They notified me about a claim that didn’t involve my bike. After I made numerous calls, I managed to contact the third parties representative and together we worked out that the claim was a misread on one digit. MCE didn’t engage with the third parties rep and their response to everything was that it was being dealt with in accordance with their processes. Ask them what their processes are and you won’t get an answer. Their emails and letters were grammatically poor; quite worrying when they can’t even get that right. This company went into administration last year for a reason. Do not take the risk of buying a policy with them just to save a few quid. It’s not worth it.”

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Posted 3 years ago

“Absolute rip off after you pay your premium and want to or need to cancel your policy Not only my experience Avoid avoid avoid”

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Posted 3 years ago

“Very worse company customer service is very bad dnt like this stupid company they ate all my money”

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Posted 3 years ago

“Awful company who cancelled prior contracts but offers new one. How can I trust?”

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Posted 3 years ago

“If you ever need to make a claim, you have to call them on a premium number. I had to call to report my vehicle as stolen, the call lasted 45 minutes, the agent on the phone asked the same questions, or slightly different worded questions on repeat to drag the call on as long as possible. The questions were so incredibly stupid. I told them it was stolen while I was asleep and I only realized when I'd woken up. They asked questions such as "do you know where it is?" "Is it damaged?" "Do you think it's damaged?" "Was I injured in the incident?" "Did I have a passenger?". I had to say "I don't know, I was asleep, it is stolen" at least 20 times. The police have since recovered my vehicle and now I need to call them again regarding the damages. By the time I'm done calling them I will have actually run up a bigger phone bill than the cost of repairing my vehicle. And I'm not exaggerating, the last time I called it cost me £50. After this next phone call I should be on £100, and I assume there will be more calls after. It literally would have been better for me to not even claim.”

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Posted 3 years ago

“I honestly do not think my experience with MCE could be any worse. I came off my bike on the 4th of november. No one else was involved as it was due to gravel on the road and it was a quiet road. I put in a claim, took weeks to get back to me about anything. finally collected the bike. then took over 2 weeks to contact me about the bike. They then claimed the bike needed to be written off as there was £3.8k worth of damage to the bike. There is no way there was that much damage and the report they gave me gave no breakdown and even stated thjat the grips and exhaust needed to be replaced. There was ZERO damage to the grips and the exhaust had a tiny scratch that could have happened while backing the bike out of the garage (I have photos of all the damage before it went off). They then brushed aside my request to get a second opinion and refused to look at the value of the bike as they had also under valued it by £1000. They then put it through to an internal investigation which would take 3 days... they did nothing and so it went to their complaints department who said they would need a maximum of 8 weeks to complete their investigation.. I gave then 8 weeks... they then just said sorry we havent completed it yet. So I went to the ombudsman... when then told me they can't do anything as it is with the administrators now. Basically MCE fobbed me off for MONTHS just so that they wouldnt have to deal with me. They STILL have my bike and I still havent even got a pay out. I dont understand how this company can keep going when their underwriters have gone bust and left their customers in such a bad situation. I don't even have anyone to turn to as I have been trying to contact the administartors for 2 weeks and have had nothing back. Going with MCE was the worst decision i have ever made in my life. the fact that they are still trading is a disgrace and frankly an insult.”

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Posted 3 years ago

“Its cheap for a good reason......no need to say any more. AWFUL”

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Posted 3 years ago

“I bought full compresive insurance, but the website does not work to register, does not work any phone number to contact at MCE - only available MCE live chat, which promises to eliminate within 48 hours, even there the operator disconnects -3 hours of stress and no clarity!”

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Posted 3 years ago

“I see plenty of people on here are happy with their cheap MCE insurance and have left a decent review. Oh, how I pity these people when they have to make a claim! If you are thinking about taking a policy with MCE I would highly recommend reading the groups on social media that have been set up by customers. Maybe also reach out to a few motorcycle lawyers and get their opinion of MCE. In fact, talk to anyone who has been riding for a while and you can make up your mind from there. I strongly advise you to do your research before taking out a policy with MCE. The underwriting company in Gibraltar recently went bust, but the UK business is still trading with a new underwriter.”

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Posted 3 years ago

“Havnt received any docs despite someone telling me they would be e mailed within the hour, least I think that's what he said couldn't really understand him! Can't access the portal, would cancel the policy but it will cost me a fortune!! Not impressed at all!!”

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Posted 3 years ago

“Avoid at all cost. This company went bust & gives you the brush off. Don't part with your hard earned cash, shop elsewhere. Still waiting for my refund weeks & weeks on & you are expected to do all the running & chasing. Be warned. Wish I could give a minus 5 star rating.”

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Posted 3 years ago

“Currently got a policy with this cowboy outfit. First payment is due on the 22nd last month tried taking the payment at 6am but wages don’t go in till 10am phoned them to try take the payment again but they wanted £30 adin fee for a payment that was being paid on the day it was due save urself a head ache and stay away the customer service is shocking never mind u need to speak another language to understand anything there saying. You have been warned”

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Posted 3 years ago

“Phoned up to cancel my insurance today, Paid £226 last month for insurance, cancelled today a month later what I receive back £45!!! That's a 80% loss. Feel absolutely violated by the MCE Insurance Rip Off Company.”

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Posted 3 years ago

“Poor customer service they cancelled my policy due to underwrighter going into administration, still no refund 6 weeks later, gave them the benefit of the doubt and took out a new policy with them, they didn't add pillion cover despite being asked to and now want me to pay £89 to rectify their mistake, if policy cancelled I will receive a refund of £14 on a policy I paid £190 for 5 weeks ago after their charges they also charge an admin fee of £72 for any changes which is extortion as often changes are a legal requirement, a bunch of crooks steer clear as it turns out most positive reviews are fake left by staff I will definitely never use them again”

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Posted 3 years ago

“I would like the complaint to be continued and i would like to appeal your decision. The payment due date was the 26th Feb. So in layman's terms i have until at least the close of office hours to pay the instalment. Which i tried to do. So the payment would not be missed. Your terms say "the payment could be taken between 0600 and 0800 on the due day, but may on occasion be taken later that day" Ok so what your saying is, its ok for MCE to take the payment at any time on the due date when it suits them. But its not ok for the customer to pay at any time on the due date. And every other company who i have had dealings with. If the first payment is declined. They will then attempt to take the payment later on that day. Due to the fact some people may not get paid until noon etc. But MCE dont do that do they. You are happy to re apply for the payment on another day once the rip off £30 admin charge has been applied. So it proves you have the ability to re apply for the payment. In my opinion the whole thing stinks. Its not about the £30 rip off admin fee. Its about the fact its designed to rip off and catch out your customers. My wages were in my bank at 0900 that day. I offered to pay the monthly instalment on the due day. But MCE refused to accept the payment without adding the rip off £30 admin fee. I will make it my goal to leave as many reviews on as many review sites. Highlighting this SCAM MCE are running so that other potential customers are fully aware of the SCAM before they sign up with MCE It just highlights the poor customer service and shows that MCE see customers as cash cows to try and screw as much money as they can out of. At the end of the day the payment date was 26th Feb. I offered to pay the instalment on the 26th Feb. MCE would not take the payment unless i paid the rip off admin fee. Your terms in basic English say "its ok for MCE to decide what time they take the payment, but the customer has no choice" Like it or lump it the computer says NO as the old saying goes and screw the customer. Iam just grateful and pray to God i never ever have the misfortune to have to make a claim on my insurance. Because i didnt dot the "i" in my name Justin would probably invalidate the insurance.”

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Posted 3 years ago

“Terrible trouble paying online and the chat bot person 'PJ' closed the chat when I challenged why they kept asking me questions I had already answered. It was very poor customer service.”

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Posted 3 years ago

“Complete and utter s#•! show. Company runs into problems and customers left stressed, and out pocket until who knows when. Having just renewed I’ve had to pay twice for a policy within a couple of months, with no idea of when I’ll get my money back. And to rub salt in the wounds my policy has increased by 20% in two months. I’ll be actively searching for a new policy upon renewal time.”

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Posted 3 years ago

“SCAM COMPNY DO NOT PART WITH YOUR MONEY”

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Posted 3 years ago

MCE Insurance is rated 4.0 based on 5,344 reviews