MCE Insurance Review: Low Rates on Motorcycle Insurance

MCE Insurance Review: Low Rates on Motorcycle Insurance

Generally speaking, a low-rate insurance company specializing in motorcycles and convicted drivers. Expect to pay a high excess, however, should you need to claim.

Good for

  • Low rates
  • Young drivers
  • Convicted drivers

Bad for

  • High excess

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MCE Insurance, who is apparently the UK's number 1 bike insurer, is not a broker but a specialist insurance company that underwrites their own policies for motorcycles and some other vehicles. They're known for low prices, offer multibike policies and can insure convicted drivers.

MCE: Low Insurance Rates

MCE stands out for low rates for motorcycle insurance and for including breakdown recovery on all bike plans. In particular, we found MCE's motorcycle insurance quotes for young riders to be a good deal and frequently less than quotes offered by other insurance companies. In fact, MCE produced the cheapest quote in our study of cheap motorcycle insurance for 25 year olds.

Thanks to its low rates, easy renewal process (according to their website FAQ, MCE online renewal prices will be their best available) and UK-based customer service team, MCE bike insurance is quite popular across the UK. MCE also stands out for convenience with customer service lines open until 9 pm during the week and open on both Saturday and Sunday, plus there's a live chat function on their website.

MCE Motorcycle Insurance

MCE is known for offering competitive rates, but there's a catch. The standard MCE excess for damage, theft, etc. is much higher than average. For example, MCE's standard excess (the amount you contribute towards a claim) is £1,150, which is up to 75% higher than the average motorcycle insurance excess, depending on aspects of your application like age and driving record. Choosing a plan with a higher excess in order to get a cheaper bike insurance rate is a trade off that will suit some people but not others.

MCE Bike Insurance Coverages

MCE bike insurance comprehensive policies include Legal Assistance, Helmets & Leathers and Personal Accident, yet remain amongst the cheapest in the market. MCE is able to offer these low rates due to the high standard excess. Details of MCE coverages are shown below.

All Cover Levels

  • Liability to third parties arising from death personal injury and property damage caused by use of your motorcycle (property damage claims are limited to £1,200,000)
  • Roadside assistance and accident recovery
  • Continental use for trips of up to 183 days (6 months)
  • Personal Accident Cover for bodily injury or accidental death (up to £1,000)

Third Party Fire & Theft All of the above, plus:

  • Loss or damage to your motorcycle following a fire or theft
  • 3 year guarantee on all repairs carried out by our approved repairers

Comprehensive All of the above, plus:

  • Loss or damage to your motorcycle if it is accidentally damaged
MCE Policy Features & BenefitsComprehensiveThird Party, Fire & TheftThird Party Only
Loss or damage to your motorcycle (including accidental or malicious damage and vandalism cover)YesFire & Theft Onlyn/a
Key CoverYesn/an/a
Liability to third partiesYesYesYes
Emergency treatmentYesYesYes
Continental useYesYesYes
Personal Accident Cover (Up to £1000)YesYesYes
Courtesy Bike Cover (125cc Vehicle for up to 5 days)YesYesYes
Helmet and Leather CoverYesn/an/a
Roadside Assistance (Provided by Call Assist)YesYesYes
Legal Expenses CoverYesYesYes

MCE Roadside Assistance & Accident Recovery

What do you get with the roadside assistance included on all MCE motorbike insurance policies? In the event of a breakdown MCE will arrange and pay for a recovery operator to attend the breakdown and spend up to 60 minutes to try and repair the vehicle. If they're unable to repair the vehicle within an hour at the roadside you'll be recovered to the nearest suitable garage within 20 miles. If that's not possible they'll arrange for recovery to your chosen destination up to 20 miles from the scene of the breakdown.

If your vehicle is not drivable following an accident they'll arrange and pay for your vehicle to be recovered to the nearest suitable garage within 20 miles from the scene of the accident. If this is not possible they'll arrange for recovery to your chosen destination up to 20 miles from the scene of the accident. In terms of legal expenses, MCE will cover the costs of recovering losses which may not be covered by your motor policy.

What is not insured by MCE Assistance?

MCE will not cover any breakdown which occurs at your home address, any roadside breakdown which occurs less than 1 mile from your home address or the cost of any parts supplied. Nor will they cover claims for Accident Recovery if you vehicle is drivable after an accident. Regarding legal expenses cover, there are a number of exclusions including where there's a known third party deemed at fault or where there isn't a reasonable prospect of recovery.

MCE Bike Insurance Extra Coverages

While MCE includes many features as standard, there are additional coverages available should you need them. For instance, if you're planning a trip through Europe you may be interested in the European breakdown assistance to help you in case of a breakdown on the continent. Details of MCE optional extras are in the table below.

Optional MCE Covers available

  • Guaranteed no claims bonus irrespective of the number of claims you make in the policy period
  • Riding other motorcycles not owned by you or hired to you
  • Excess reducer cover (paying 50% of the excess value)
  • National Recovery Cover – UK
  • National Recovery & Home Assist Cover – UK
  • European Breakdown assistance

MCE Bike Insurance Discounts

MCE offers discounts on bike insurance that are pretty standard across the motorcycle insurance market, mostly related to safe driving history and bike security. For instance, storing your bike in a secured garage instead of on a public road can save you around 30% on comprehensive cover, depending on other details of your application. Here are some MCE motorcycle insurance discounts:

MCE Bike Insurance DiscountsHow Do You Earn It?
Where You ParkKeeping your bike in a secure garage while it's not being ridden should lower your rate
Driving RecordIf you're a good driver, don't speed and don't have any motoring convictions, you might save 20% or more
No ClaimsIf you don't have any claims, your motorcycle quote should be lower
Bike SecurityExtra locks or an alarm on your bike might lock in a discount, but not always
Multibike InsuranceIf you have more than one bike, you'll usually save money by insuring them together, rather than separately

MCE Scooter and Moped Insurance

MCE's scooter and moped insurance is offered under its motorcycle insurance. If you're searching for scooter and moped insurance, consider a MCE motorcycle insurance policy if you want a cheap rate. You'll have access to the same discounts and features mentioned above in the motorcycle section.

MCE Bike Insurance Quotes

MCE's bike insurance quotes were low to average compared to its competitors overall. But as you can see in the following table, you'll pay a much lower standard excess with other insurers, should you need to claim.

MCE vs. Competition: Cost of Comprehensive Bike Insurance for 35-Year-Old Rider with a Clean Record

Insurance providerPremium (with Legal Assistance, Helmets & Leathers and Personal Accident)Excess
MCE£183£1,150
Principal Insurance£237£450
Devitt£243£450
Just Motorcycle Insurance£264£450
HastingsDirect£279£350
Mackenzie Hodgson£282£100
Bikesure£370£350

Where MCE really stood out was low rates for young people. In fact, for those aged 25 years old, MCE quotes were the cheapest in our recent study.

chart showing the motorcycle insurance quotes for a 20 year old, 35 year old and 50 year old from MCE, Principal, Devitt, Just Motorcycle Insurance and Bikesure

MCE also is known for competitive rates for those with a conviction or accident, even if the accident was your fault.

chart showing the motorcycle insurance quotes for a 20 year old, 35 year old and 50 year old convicted driver from MCE, Principal, Devitt, Just Motorcycle Insurance and Bikesure

MCE Car Insurance

MCE has branched out to offer car insurance for drivers with convictions or who have been disqualified. Convictions that MCE cover include:

  • Accident Offences
  • Disqualified Driver
  • Careless Driving
  • Construction & Use Offences
  • Reckless/Dangerous Driving
  • Drink or Drugs
  • Insurance Offences
  • Licence Offences
  • Miscellaneous Offences
  • Motorway Offences

MCE Bike Insurance Coverages

MCE car insurance policies include the following, subject to levels of cover of course:

  • Breakdown Cover
  • Personal Accident Cover
  • 183 Days European Cover
  • Windscreen and Window Cover
  • Lost Key Cover
  • Misfuelling

MCE Customer Reviews, Complaints and Ratings

Customers should expect pretty good customer service overall from MCE. There are some customer complaints related to cancellation fees, long wait times for customer service or claims, and other issues. Despite this the company generally earns positive marks from customers on various review sites.

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Comments and Questions

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