TERMS & CONDITIONS
Who Are We?
MCE Insurance is an insurance intermediary offering a range of motor vehicle insurance products.
Who Are We Regulated By?
The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. We are authorised and regulated by the FCA, (firm reference number 307832). You can also check this on the FCA register by visiting www.fca.org.uk/firms/systems-reporting/register.
We are authorised in advising, arranging, dealing as an agent and assisting in the ongoing administration of insurance policies as an independent insurance intermediary.
MCE Insurance is registered as a company in England and Wales (number 1232753), and our registered office is at Crown Way, Rushden, Northamptonshire, NN10 6BS.
We act on your behalf in providing information and arranging your insurance needs, as well as helping you with any changes you may have. We will also assist you with any claim you need to make. We provide policies and issue documentation on behalf of a selection of single insurers, depending on the product area, these are as follows:
- Motor Vehicle Insurance – MCE Insurance Company Ltd
- Breakdown and recovery– Call Assist
- Helmet & leather - MCE Insurance Company Ltd
- Personal injury – MCE Insurance Company Ltd
- Key cover - MCE insurance Company Ltd
- Courtesy bike - MCE insurance Company Ltd
- Excess reducer - MCE insurance Company Ltd
- Protected no claims bonus - MCE insurance Company Ltd
You will not receive a recommendation from us. We will ask questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
Your documentation will either be emailed to you at the email address you have provided or the email will direct you to a secure customer portal where you will be able to access these. If you specifically want your documentation posted, there will be an additional charge, which is shown below. It is your responsibility to access the documents at your earliest convenience and notify us of any inaccuracies. Failure to do this may invalidate your insurance.
Your insurer may require proof of certain documents. These can be returned electronically or through the post.
You will be entering into separate contracts when you take out an insurance policy through us. The first contract is with us for arranging and administering your insurance policy on your behalf. We normally receive a commission from the insurer for providing our services. Our terms and conditions are set out in this document.
The second contract is with the insurer for providing your insurance and they shall charge you a separate premium inclusive of insurance Premium Tax as applicable. Their terms and conditions are set out in the policy booklet and key facts.
If you purchase additional policy features you may also enter into further contracts with each insurer on the same basis as the second contract.
Our arrangement and administration commission and the separate insurer premium will form the total price of the insurance.
You must take reasonable care to ensure you answer all questions honestly to the best of your knowledge and not misrepresent any answers when you take out your policy, throughout the life of your policy and when you renew your policy. If you do not answer all questions honestly or do misrepresent answers your policy may be cancelled or treated as if it never existed. In the event of a claim it may be rejected or not fully paid. It is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a Certificate Of Motor Insurance. Please note that under the Rehabilitation Of Offenders Act, you are not required to disclose convictions regarded as spent.
When the policy documentation is issued you must read it carefully as it is the basis of the insurance contract you have purchased. Please contact us immediately if there are any discrepancies.
You have declared that any licence details, convictions, claims details and no claims bonus are correct. Upon request or at the time of any claim you will be required to provide acceptable documentary proof of these. Upon receipt we will use the documents provided to confirm your no claims bonus entitlement, driving entitlement, driving convictions and claims. We may share this information with other insurers. Should it become apparent upon verification of no claims bonus that the claimed bonus is incorrect or there are undisclosed driving convictions or claims, your insurer may impose an additional premium along with a £100.00 administration charge, additional excess or policy terms, or may reject or not fully pay a claim.
You must contact us if you are having difficulty meeting any payments due through the MCE Continuous Payment Authority payment plan. Failure to keep up with repayments may result in the cancellation of your policy. In such circumstances you will remain liable for any outstanding balance following cancellation.
If we insure your motor vehicle under a chassis number you agree to supply us with the registration number within 28 days of the inception date. Failure to supply the registration within this time frame may result in the cancellation of your policy and you will pay a time on risk charge based on the insurer premium detailed within the policy booklet along with a cancellation fee in line with the scale below.
How To Amend Your Policy
If you want to make a change to your policy, please telephone a member of our customer services team. If we, and your insurer, agree to the change we will also agree on the effective date of the change and any additional premium or fee to be paid. No advance notice is required.
What You Will Have To Pay Us For Our Services
We usually receive commission from the insurer with whom we place your business for in return for arranging your insurance needs. We may also receive commission for setting up additional policy features, arranging finance agreements for the payment of premiums and we may also receive commission or fees for passing introductions to other professionals. These payments do not affect what you have to pay. Details of the commissions received on business we place on your behalf are available upon request.
In addition, we normally make the following charges to cover the administration of your insurance:
|Fee Type||Explanation Of Fee||Amount Of Fee|
|MCE Continuous Payment Authority arrangement / renewal||Administration charge to set up or renew continuous payment option to assist you in staging the cost of your insurance||£20.00|
|MCE Continuous Payment Authority default fee||Administration charge for contacting you and assisting in collecting outstanding payments||£30.00|
|Replacement/duplicate documentation||Administration fee for providing you with replacement/duplicate documents||£32.00|
|Mid term adjustment||Administration fee for change of registration, removal of vehicle, change of address||£17.50|
|Mid term adjustment||Administration fee for any other changes to policy||£40.50|
|Postal delivery of documents||Administration fee where you instruct us to send your documents by post||£1.50|
|Subject access request||Administration fee payable if you request a copy of all information we hold on you||£10|
|Cancellation within the cooling off period||Administration fee payable||£32|
|Cancellation outside the cooling off period||If you cancel during the term, what you will get back will vary depending on a number of factors. Please see section headed The Cancellation Process||£32 minimum|
There may well also be additional charges imposed by your insurer. Please refer to the Policy booklet to see where these apply.
Please be aware that other taxes and/or costs may exist in relation to products and services offered by us which are not imposed by us, or payable through us. We will make you aware of these before any work becomes chargeable.
Your Demands and Needs
We have provided you with this product based on your demands and needs following our discussions in which you provided full details of the risk to be insured (please also see the attached statement of fact/proposal form and key facts document). This product meets the demands and needs of a proposer who wishes to ensure the minimum requirements of the Road Traffic Act are met. The full details of cover provided are detailed within the attached documents.
The Cancellation Process
Your right to cancel - Once you have entered into an insurance contract, you are entitled to 14 days to decide whether you wish to proceed. This is called a "Cooling off Period". Following cancellation within this period, your insurer will make a charge to cover time on risk as detailed within their policy booklet and we will also make a £32.00 charge to cover the administration costs of setting up and cancelling the policy. The right to cancel does not apply if the policy is terminated as a result of a total loss claim.
Cancellation outside of the cooling off period - Following cancellation of your policy, depending on how many months into the policy this is, you may be entitled to a partial refund of the insurer's premium. Your policy booklet will advise you how this is calculated. You may also be entitled to a partial refund of our set up charge. A cancellation charge will be payable in line with the scale detailed below. The charge is based upon the insurer's returned premium and is the minimum cancellation charge plus the commission earned for arranging the policy. You will be advised of any return premium due back to you and a credit note will be issued to you once the refund is available. Refunds are not normally given if there has been an accident and / or a claim within the period of insurance. In addition to the cancellation charge, if you are paying for your policy by way of MCE Continuous Payment Authority and have not paid all your instalments, there will be a balance outstanding to MCE Insurance. You will be advised if there is any additional outstanding balance payable.
You can cancel your policy by:
- Calling 01933 351361
- Emailing email@example.com
- Writing to MCE Insurance, Crown Way, Rushden, Northamptonshire NN10 6BS
|Insurer return premium||Cancellation charge|
|£0 - £200.00||£32.00|
|£200.01 and above||15% of insurer returned premium|
Please note that cancelling the Continuous Payment Authority arrangement with your bank or card provider does not mean the cancellation of your insurance policy. We or your insurer may cancel your policy by sending seven days notice in writing to your last known address by post. We will issue confirmation to you when your policy has been cancelled.
In the event of any outstanding debt to MCE, additional charges will be incurred if the outstanding balance becomes collectable under our Debt Management Program. If the debt remains unpaid, we reserve the right to instruct debt recovery agents to pursue on our behalf and to cancel your insurance. Any proof of no claims bonus will be withheld until any debt is cleared. We reserve the right to offset any debt against any new or existing policy in your name.
The minimum amount we will refund is £10. Therefore any refund below this amount will not be given.
All money received by us in respect of insurance premiums is held on behalf of your insurer. If we, for any reason, fail to pass on what is due to your insurer, your insurer is contracted to continue to provide cover for you during the term of the contract of insurance. Please note that any interest earned by us on monies held, will be retained.
In the unfortunate event of a claim, please contact MCE Claims on 01933 351528. They will be able to guide you through the claims process. Some levels of cover do allow substitution of vehicle or cancellation refunds following a claim. Please refer to your policy booklet for further guidance on this. If you are paying your premium through MCE Continuous Payment Authority payment plan any outstanding balance on your account will become immediately payable following a claim. We reserve the right to deduct any outstanding balance on your account from any settlement cheque that is issued to you following a claim.
We do aim to write to you in good time before your renewal date, but there may be circumstances where this does not happen. Please contact us any time up to the renewal date if you do wish to discuss your rewnewal further. If you would like to pay by instalments through MCE Continuous Payment Authority payment plan, a deposit of at least 10% will be required. If we do not hear from you to the contrary by the expiry date, your policy will be lapsed and no insurance cover will be in force following the renewal date. Please contact us for the release of any applicable proof of no claims bonus.
We have a duty to bring to your attention that the shareholders of MCE Insurance Ltd are also shareholders in MCE Insurance Company Ltd. We believe that this common ownership assists in providing you with an exceptional customer service at every opportunity; however if you believe such a relationship could create a conflict of interest then you should not proceed.
Data Protection Notice
We would like to explain the purposes for which we use personal data and sensitive personal data that we hold. Please also show this to everyone insured to use the vehicle covered under this policy.
Insurance Administration, Renewal, and Claims Handling – We will deal with you as the policyholder. If you would like someone else to be able to deal with your policy for you, you will need to give us your consent before we can release any information. Information you supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and us. In assessing any claims made insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgements, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as loss adjusters or investigators.
Credit Searches - In assessing your application or renewal, we may search files made available to us by CreditReference Agencies. A record of that search will appear on your credit report whether or not your application proceeds. By agreeing to the terms and conditions, you agree for us to conduct this search. We may also pass Credit Reference Agencies information that we hold about you and your payment record with us. Credit Reference Agencies share information with other organisations enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.
Marketing and Market Research - We and other companies carefully selected by us to support us in our duties may use your information to keep you informed by telephone, e-mail, post, SMS or other means of products and services which may be of interest to you. They may also contact you to conduct market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes and have not already opted out, please write to the Compliance Manager at the address below.
Claims and Underwriting Exchange Register - Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database run by Experian Ltd, and the Motor Insurance's Anti Fraud and Theft Register run by the Association of British Insurers (ABI) to help them check information provided and also to prevent fraudulent claims. When they deal with your request for insurance they may search these register under the conditions of your policy you must tell us about any incident (such as an accident or theft) that may give rise to a claim. When you tell your insurer about an incident they will pass this information to the registers. You can ask us for more information about this at any time.
Motor Insurance Database - Information relating to your insurance policy details will be added to the Motor Insurer Database (MID) managed by the Motor Insurers' Bureau (MIB). The MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, The Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
- Electronic Licensing
- Continuous Insurance enforcement
- Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
- The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.
If you are involved in a road traffic collision (either in the UK or the EEA or certain other territories), insurers and/ or the MIB may search the MID to obtain relevant information. Persons (including any appointed representatives) pursuing a claim in respect of a road traffic collision (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital the MID holds your correct registration number. If it is incorrectly shown on MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com
Sensitive Personal Data - In order to assess the terms of the insurance contract or administer claims, the insurer will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history or criminal convictions. By proceeding with this contract you will signify your consent to such information being processed by the insurer or its agents.
Following payment of a fee you are entitled to request a copy of information we hold about you. If you have any questions or you would like to find out more about this, please write to the Compliance Manager, MCE Insurance, Crown Way, Rushden, Northamptonshire NN10 6BS.
For mutual protection, to allow us to continually look at improving our customer service and for training purposes, all calls may be recorded. These may also be referred to in the event of a dispute between you and us.
We are committed to delivering an exceptional customer experience at every opportunity, but we do understand matters may occasionally not work out as expected. If you wish to make a complaint about our service we have a formal complaints procedure, a copy of which is available on request. In the first instance you can:
- Call us on 01933 351361 addressing your complaint to the department Team Leader
- Email us at firstname.lastname@example.org
- Write to Customer Services, MCE Insurance, Crown Way, Rushden, NN10 6BS.
If you cannot settle your complaint with us you may be able to refer it to the Financial Ombudsman Service. If your complaint is about your insurer, you will need to contact them directly.
Financial Services Compensation Scheme
If we are unable to meet our obligations, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about the scheme is available from the FSCS website at www. fscs.org.uk, or by calling us.
This agreement shall be governed by and construed in accordance with the Laws of England and Wales.