I'd like to apologise in advance if this sounds like a major rant but its also a colossal warning for all of you who may prospectively be looking at MCE Insurance (underwritten by Chaucer).

On the 28th June I accepted a quote (over the phone) from MCE Insurance whereby they offered me what I wanted (covering all mods) for £591.

A week went by and I received my policy documents which were wrong. They had the incorrect mileage listed (12k instead of 120k), they had agreed value set to NO (instead of YES) and they had ignored all the modifications even though I explicitly told them about them!

I rang them immediately and told them to change the docs and get them back to me. At which point the asked me for 6 pictures of the car (for agreed valuation) and a list of the mods to put on the document. I said thats fine and sent them to them the very same day.

A few days went by and I had heard nothing so I chased and was promised a call back. Never received one.

Another few days went by and I still hadnt got a call back so I chased and was told it was in the pipeline.

2 days before my policy date I rang again, still waiting.

Each day up to and including my policy date I rang and they told me the underwriters were still dealing with the issue but that I was 100% covered including mods as I had declared them over the phone.

I left it for a week or two after my policy had started as I expected them to call but still nothing so eventually I rang them to ask what the hell was going on.

I was told that my policy was incorrect and that I would have to pay an additional £250 if I wanted to keep it to cover the modifications. Of course I was infuriated by this as I clearly stated I had the mods in the first place. I complained and they said they would call me back.

I called again to complain and was told I'd get a call back.

A week went by no call back so I called them, was transferred to about 8 people before eventually getting the customer care team who said they would look into it for me and call me back.

I took the policy out on June 28th and it was scheduled to start on the 13th of July (adequate time I feel to get it in order). Only today 05/08/10 have I received a call back to say "Yes you did declare your mods but we cant cover you because of them. You will have to pay £45 for the cover you have had since the policy started and we will cancel it for you."

Naturally I am not best pleased. I now have to ring around the houses once again to get a good quote. Cancel this policy and take out another.

The whole ordeal has cost me time, money (calling them non-stop), loss of lots of hair and a rather huge wariness about driving my beloved Rocco.

All I can say is I shall be blackballing this company to as many people as I can and potentially taking this issue to the FSA / a financial ombudsman.

Searching on google I've found I'm not the only person who has experienced such service from this "insurance broker" and as such I warn all of you to STAY AWAY in your best interests!

I will be calling Brentacre tomorrow to try and get a goodish price and have a years care free motoring with a good insurance provider (hopefully).

Rant over, apologies once again.

were you even covered on the motors insurers database?

http://www.askmid.com/

cheers for the heads up tho fella

Edited 5 August, 201016 yr by grungeisdead

I'd like to apologise in advance if this sounds like a major rant but its also a colossal warning for all of you who may prospectively be looking at MCE Insurance (underwritten by Chaucer).

On the 28th June I accepted a quote (over the phone) from MCE Insurance whereby they offered me what I wanted (covering all mods) for £591.

A week went by and I received my policy documents which were wrong. They had the incorrect mileage listed (12k instead of 120k), they had agreed value set to NO (instead of YES) and they had ignored all the modifications even though I explicitly told them about them!

I rang them immediately and told them to change the docs and get them back to me. At which point the asked me for 6 pictures of the car (for agreed valuation) and a list of the mods to put on the document. I said thats fine and sent them to them the very same day.

A few days went by and I had heard nothing so I chased and was promised a call back. Never received one.

Another few days went by and I still hadnt got a call back so I chased and was told it was in the pipeline.

2 days before my policy date I rang again, still waiting.

Each day up to and including my policy date I rang and they told me the underwriters were still dealing with the issue but that I was 100% covered including mods as I had declared them over the phone.

I left it for a week or two after my policy had started as I expected them to call but still nothing so eventually I rang them to ask what the hell was going on.

I was told that my policy was incorrect and that I would have to pay an additional £250 if I wanted to keep it to cover the modifications. Of course I was infuriated by this as I clearly stated I had the mods in the first place. I complained and they said they would call me back.

I called again to complain and was told I'd get a call back.

A week went by no call back so I called them, was transferred to about 8 people before eventually getting the customer care team who said they would look into it for me and call me back.

I took the policy out on June 28th and it was scheduled to start on the 13th of July (adequate time I feel to get it in order). Only today 05/08/10 have I received a call back to say "Yes you did declare your mods but we cant cover you because of them. You will have to pay £45 for the cover you have had since the policy started and we will cancel it for you."

Naturally I am not best pleased. I now have to ring around the houses once again to get a good quote. Cancel this policy and take out another.

The whole ordeal has cost me time, money (calling them non-stop), loss of lots of hair and a rather huge wariness about driving my beloved Rocco.

All I can say is I shall be blackballing this company to as many people as I can and potentially taking this issue to the FSA / a financial ombudsman.

Searching on google I've found I'm not the only person who has experienced such service from this "insurance broker" and as such I warn all of you to STAY AWAY in your best interests!

I will be calling Brentacre tomorrow to try and get a goodish price and have a years care free motoring with a good insurance provider (hopefully).

Rant over, apologies once again.

try hic insurance fella there rates are quite good the service is second to none they give agood range of cover including specialized breakdown and recovery if you need it and as for agreed valuation they are quite acceptable a simple form to fill in and return along with six pics which can be emailed and a one off charge of 18.00 for the agreed valuation you,ll have all your paperwork and the valuation certificate on your lap within one week fortunatley I've never had a claim tho touch wood but i reckon thy would be good also with the other mob id speak to a legal body with regards reimbursement and compensation

Cheers guys, yes it is in the insurance database but with what details is another thing!

HIC Quoted me, were acceptable to numerous mods just couldnt give me a competitive quote £1000+ (I have over 15 mods)

A mate of mine was crashed into on his bike, he's still waiting for the company to come pick it up for repairs, despite being told that someone will come on Monday a few times, no buggers been, he couldn't get to work because of this and almost lost his job

Edit to say, this was also MCE, not just some random uttering :)

Edited 5 August, 201016 yr by Polio