MCE cancelled my insurance

Robbo66

I think the confusion came with the continuous card payment, I have had insurance from MCE in the past and it was via DD and with all the companies I've been with since this was never an option either. It would still have been prudent to contact all payment recipients just to confirm the new account details anyway a good out come and a lesson learned

topper19590

born_again said:

topper19590 said:

So today an email received stating our complaint had been upheld , that due to a system glitch the insurance was cancelled and there is no proof that any notification re cancellation or failed payment was made or received , also accepted that not enough notice was given even if they had notified us . They Have made a 50 pound payment in compensation, considering he’s lost five months insurance , having paid nearly 2000 pounds had one more payment only to make , and would have been insured until May when the next policy would be a third of cost small comfort , what a joke of a company 

You are aware that you can say no, you want more..... For the distress, mental anguish & cost of having to use public transport to get around.

Cheers , we are writing to the ombudsman, there is a history of this happening to many people , they attract people in by being generally the cheapest on a search engine but in reality are probably the dearest , their ccp method of payment is a licence for them to take money from them as although they fix a date to take payments then attempt to do so days earlier , if no money in its 30 pound fee , it’s effecting a large amount of their customers , that and the failed system over Christmas has left a lot of people out of pocket and uninsured , they’ve already told us if we aren’t happy with that figure go to the ombudsman, my understanding is that costs them money , it’s worth doing that for that alone , thanks for response 

topper19590

Jumblebumble said:

topper19590 said:

So today an email received stating our complaint had been upheld , that due to a system glitch the insurance was cancelled and there is no proof that any notification re cancellation or failed payment was made or received , also accepted that not enough notice was given even if they had notified us . They Have made a 50 pound payment in compensation, considering he’s lost five months insurance , having paid nearly 2000 pounds had one more payment only to make , and would have been insured until May when the next policy would be a third of cost small comfort , what a joke of a company 

Thats great news
It does highlight the importance of avoiding unhelpful and uniformed speculation that it was your sons fault for not checking his spam filters, and that MCE would have definitely sent out  emails  when in fact they did nothing of the sort etc

Yes thanks for comments , we are now writing to ombudsman, doesn’t help his situation at the minute but anything to highlight this company and their bad practices is worth it 

topper19590

Robbo66 said:

I think the confusion came with the continuous card payment, I have had insurance from MCE in the past and it was via DD and with all the companies I've been with since this was never an option either. It would still have been prudent to contact all payment recipients just to confirm the new account details anyway a good out come and a lesson learned

He was only ever offered a ccp facility , I’m 62 been insured since 16 have 13 vehicles in my garage and drive all insured  and never have I dealt with such a crock of sh t as MCE , I only wish I’d researched them before he took out insurance 

MSE_Emily

Hi everyone, we've covered this issue today and provided an update as MCE has cancelled all policies effective 14 Jan or 31 Jan depending on your policy. 

Full story here: Motorbike insurer MCE to cancel cover for all 105,000 policyholders - what it means for you

ontheroad1970

MSE_Emily said:

Hi everyone, we've covered this issue today and provided an update as MCE has cancelled all policies effective 14 Jan or 31 Jan depending on your policy. 

Full story here: Motorbike insurer MCE to cancel cover for all 105,000 policyholders - what it means for you

Hmmmm - this is a different issue to the issue raised by the OP of this thread, so I would suggest it doesn't fit here at all.

Herzlos

Yeah this really should be it's own thread.

Incidentally, I can't see any mention of this cancellation outside of the MSE article. There's nothing on MCE's website.

A_Lert

Agreed this needs a thread.

The big issue for everyone affected is whether this needs to be declared when asked "have you ever had insurance cancelled". A plain reading of the question and facts indicates yes, because the question price comparison sites and online quotes ask almost never says anything about who or what caused the cancellation. So that's a hundred thousand people who face a lifetime of higher premiums and hassle through no fault of their own. Without some sort of official statement from someone like the Ombudsman or the MIB, I can't see it any other way.

Unless, perhaps, you cancel first. Almost no time for car/van drivers to do that but there's the rest of the month for bikers. The question is whether MCE's actions are interpreted as "your policy will be cancelled on X date" (which then doesn't happen if you cancel first) or as "your policy has been cancelled and X date is the last day of cover" (and the cancellation is regarded as having already happened). Cancelling yourself will also no doubt incur fees that take away from the premium refund.

A_Lert

OK, so in the other thread (in the Insurance Board) there is a possible answer. The language used is that the policy is disclaimed and not cancelled. On the LegalAdviceUK the opinion is that that distinction is meaningful and this does not have to be declared as a cancellation because it is not, by the legal definitions in this context, a cancellation.

topper19590

Hopefully my claim to the ombudsman wasn’t the straw that broke the camels back ,in some respects they did is a favour , an appalling company with a litany of complaints and excuses for applying extra charges , and their excuse ‘ computer failures ‘ a true shame for those who have claims being processed and now finding difficulties on motoring forums , they don’t deserve to be in business I only hope the multi millionaire owner doesn’t somehow start another company perhaps this will disqualify him