MCE Insurance Reviews | MCE Insurance Policies and All you need to know

MCE Insurance reviews
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When considering an insurance policy to opt for in 2023, MCE insurance is worth opting for. I will tell you WHY!

According to the record, MCE Insurance is one of the top UK leading insurance providers that provides top-notch technical expertise and an excellent customer experience for riders across the country.

They focus on delivering nothing but the best and ensuring their customer’s satisfaction.

Read on to explore the different MCE insurance policies, how they work, coverage and cost.

In this MCE Insurance review, you will get an in-depth understanding of why you need to opt for it when it comes to getting an insurance policy.

What is MCE Insurance, and what does it cover?

MCE Insurance began as an independent coverage provider in 1975. It’s been based in Ruston, Northamptonshire, since then.

“Technical knowledge and an outstanding customer experience for riders across the country,” the specialist insurer claims.

The company covers everything From motorcycles to scooters, including motocross and monkey bikes along the way. In 2016, users of the Review Centre voted MCE as the best insurer in the UK.

MCE Insurance declared in March 2021 that it had achieved gender neutrality, which means there was no pay disparity between male and female employees.

The average salary disparity between men and women in the insurance industry is 23.5 per cent. MCE Insurance had reached this aim for the fourth year in a row.

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Low Insurance Rates at MCE

MCE distinguishes out for its inexpensive motorcycle insurance rates and the fact that all bike plans include breakdown recovery.

Particularly, MCE’s motorcycle insurance premiums for teenage riders were an excellent deal, frequently less than quotations from other insurance firms.

MCE bike insurance is quite popular in the UK because of its affordable rates, simple renewal process, and UK-based customer care team.

MCE also stands out for its convenience, with customer care lines open until 9 p.m. Monday through Friday and all day Saturday and Sunday, as well as a live chat feature on their website.

About MCE Motorcycle Insurance

MCE is good for its low rates, but there’s a catch. The usual MCE excess for damage, theft, and other issues is significantly higher than the national average.

MCE’s standard excess is £1,150, which is up to 75% higher than the typical motorcycle insurance excess, depending on factors including your age and driving record.

Choosing a plan with a bigger excess in order to achieve a lower bike insurance rate is a trade-off that some individuals will like while others will not.

What MCE Motorcycle Insurance Covers

MCE bike insurance policies include Legal Assistance, Helmets & Leathers, and Personal Accident coverage while remaining among the most affordable on the market.

Because of the high standard excess, MCE can provide these low rates. The following are MCE coverages.

  • Third-party liability for death, bodily injury, and property damage caused by your motorcycle (property damage claims are limited to £1,200,000).
  • Accident recovery and roadside help
  • Continental travel for up to 183 days (6 months)
  • Personal Accident Coverage (up to £1,000) for bodily injury or accidental death.

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MCE’s motorcycle insurance policy

Comprehensive, third-party, fire and theft, and third-party-only insurance are all available from MCE Insurance.

The most comprehensive coverage includes all aspects of the other two levels of protection. The following advantages are in all MCE motorcycle policies:

  • If the incident involves your motorcycle, liability to third parties implies the insurer will cover any amount you’d be liable for if another person died or was injured, as well as damage to their property.
  • As long as you have proper driver’s license the third-party liability insurance covers you
  • If you’re charged with causing injury, death, or property damage while riding your bike, you’ll be covered for up to £1,000 in legal fees.
  • It covers Continental travel for trips of up to 183 days in the EU, including Andorra, Gibraltar, Iceland, Norway, and Switzerland.
  • As standard, the policy includes roadside assistance and accident recovery.

Other Coverage Options

Standard third-party, fire, and theft policies cover all the provisions listed above, as well as the following:

  1. The insurer will cover you for loss or damage to your motorcycle.
  2. Covers repairs to your motorcycle with a three-year warranty.
  • Comprehensive insurance covers all the above: accidental damage. This is to ensure your protection if you lose or destroy your motorcycle.

If you lose or damage your motorcycle keys, the insurance will reimburse the cost of a replacement key up to £350.

MCE offers a variety of motorcycle insurance products with varying levels of coverage and features.

Extra Coverages with MCE Bike Insurance

While MCE comes with a lot of capabilities by default, you may tack on extra coverage if you need it.

You can get European breakdown support if you’re planning a journey through Europe, which will assist you in the event of a breakdown on the continent.

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MCE Covers

You will receive a guaranteed no-claims bonus regardless of how many claims you make during the insurance time.

  • Riding motorcycles that are not your own or that you have rented
  • Cover for the surplus reduced (paying 50 per cent of the excess value)
  • National Recovery Coverage–United Kingdom.
  • Coverage for National Recovery and Home assistance in the United Kingdom.
  • Breakdown assistance in Europe.

About MCE Moped and Scooter Insurance

Scooter and moped insurance is available through MCE’s motorbike insurance. If you’re looking for a low-cost scooter or moped insurance policy, consider an MCE motorbike insurance policy.

In the motorcycle section, you’ll have access to the same discounts and benefits as the motorbike section.

MCE Automobile Insurance

MCE has other services that include auto insurance for drivers who have been convicted of a crime or who have been disqualified from driving. It covers the following:

  • Offences Relating to Accidents
  • The driver who has been disqualified
  • Inattentive Driving
  • Offences in the Construction and Use of Buildings
  • Dangerous/Reckless Driving
  • Alcohol or narcotics
  • Insurance Infractions
  • Offences Against the License
  • Miscellaneous Infractions
  • Offences on the Highway

What MCE Motorcycle Insurance Covers

The following are MCE vehicle insurance policy coverage levels:

  • Cover for a Breakdown
  • Accident Insurance for Individuals
  • Coverage in Europe for 183 Days
  • Window Cover and Windscreen
  • Cover for a Lost Key
  • Misfuelling

About MCE Accident Recovery & Roadside Assistance

What are the benefits of the roadside support that comes standard with all MCE motorcycle insurance policies?

In the event of a breakdown, MCE will organize and pay for a recovery operator to arrive and attempt to fix the vehicle for up to 60 minutes.

If they are unable to repair the vehicle on the roadside within an hour, you will be transported within 20 miles to the nearest suitable garage.

If that isn’t possible, they’ll arrange for your vehicle to be recovered up to 20 miles from the breakdown site.

They’ll organize and pay for your car to be recovered to the next suitable garage within 20 miles of the accident scene if it’s not drivable after an accident.

If this isn’t possible, they’ll arrange for transportation to your preferred location, which can be up to 20 miles away from the accident.

MCE will cover the costs of recovering losses that your motor policy may not cover in terms of legal expenses.

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What MCE Assistance does not cover

MCE will not cover any breakdowns at your home address, any roadside breakdowns within 1 mile of your home address, or the cost of any replacement parts.

If your vehicle is drivable after an accident, they will not cover claims for Accident Recovery.

There are several exclusions to legal expenses coverage, including where a known third party is found at fault or where there isn’t a reasonable possibility of recovery.

What are the Required MCE Insurance Quote Documents?

Thus, to get your quote, the following information must be provided:

  • Title (Mr, Mrs, Miss)
  • First Name
  • Surname
  • Date of Birth
  • Email address
  • Phone Number
  • Alternative phone number
  • Your Postcode

You can get your MCE insurance quote by clicking below:

What is MCE Insurance Discount?

MCE Insurance ROI is a 25% Discount. However, the company intends to continue its ongoing work in the upcoming months.

Moving forward, they’ll also be slashing 25% off the price of their motorcycle policies and providing even further reasons bikers are choosing MCE.

What is MCE Insurance Phone number?

You can communicate with the MCE team via LiveChat or call as an existing customer. MCE’s Accident and Breakdown line are 01933 351 528.

Before we wrap it up, let’s talk about the cancellation process.

What is MCE Insurance Cancellation Procedures Like?

After you’ve signed an insurance contract, you have 14 days to determine if you want to continue. We refer to this as a “Cooling Off Period.”

You will pay a fee that covers time on risk as specified in the policy handbook.

Also, you’ll pay €39.00 as administrative costs of setting up and canceling the insurance if you cancel within this time frame. Then, if you cancel the policy due to a total loss claim, the right to cancel does not apply.

Note, if there is a cancellation outside of the cooling-off period, you may get a partial return of the insurer’s premium. This will be dependent on how many months have passed since your policy was cancelled

In addition, the assessment of a cancellation fee will be according to the scale outlined below.

The charge is the minimum cancellation charge plus the commission for establishing the policy. This depends on the insurer’s returned premium.

However, you’ll get a notification if you own any return premium. And refunds are not usually issued if there has been an accident and/or a claim during the insurance period.

There will be a sum due to MCE Insurance in addition to the cancellation charge if you are paying for your coverage through the MCE Payment Plan and have not completed all of your instalments.

Further, you’ll get a notification if there is an outstanding debt you must have to pay.

You can cancel your policy by following these steps:

• Calling  0818 275 788

• Sending an email to

MCE Insurance, Sapphire House, Crown Way, Rushden, Northamptonshire, NN10 6FB.

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How Much MCE Insurance Cancellation Fee?

Regarding cancellation fees, the premium insurers’ fee is €0–€260.00.

It is expedient to note that, cancelling your MCE Payment Plan with your bank or card provider does not automatically cancel your insurance coverage.

After sending a seven-day notice, you can only cancel your insurance coverage via the company’s seal. And when they cancel it, you will receive confirmation.

You’ll charge more if any outstanding debt to MCE becomes collectable via their Debt Management Program.


MCE Insurance is one of the UK’s Number One providers of motorcycle insurance. With this motorcycle insurance policy option, you can get technical expertise and an excellent customer experience as a rider.

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