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 im 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.
