MCE motorbike insurance

Find out about MCE motorbike insurance

The information on this page was last reviewed on 9 September 2021.

Why choose MCE motorbike insurance?

  • Up to 183 day European cover.
  • 24-hour UK-based customer support
  • Specialists in catering for modified bikes

MCE Insurance offers tailored motorbike insurance. They cater for riders with modified motorbikes and drivers with a conviction.

There's support 24 hours a day, seven days a week, from the company’s UK-based call centre.

Standard policies include 183 days European cover and trackway racing cover. As is helmet and leather cover, personal accident cover and breakdown cover. In all cases, you can buy an additional level of cover to have enhanced protection.

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Who is MCE Insurance?

MCE Insurance was founded in 1975 as an independent policy provider. Based in Ruston, Northamptonshire, it's remained so ever since. The specialist insurer states it offers “technical expertise and an excellent customer experience for riders across the country.”

The company covers everything from motorbikes to scooters, embracing motocross and monkey bikes along the way. MCE was voted the UK’s best insurer by users of the Review Centre in 2016.

In March 2021, MCE Insurance announced it had achieved gender neutrality, meaning there was no unfair pay gap between male and female employees. In the insurance sector, the average gender pay gap is 23.5%. This was for fourth year on the trot that MCE Insurance achieved this goal.

MCE motorbike insurance policy details

MCE Insurance offers three levels of insurance cover - comprehensive, third party, fire and theft and third party only.

Comprehensive provides the most cover, including all elements of the other two levels of protection. All MCE motorbike policies include the following benefits:

  • Liability to third parties means the insurer will cover any sum you’d be liable for following death or injury to another person, plus damage to their property, if the incident involved your motorbike.
  • Protection for others riding the insured bike providing they have the appropriate driving licence, third party liability cover is provided.
  • Legal cover up to £1,000 to mount a defence if you’re prosecuted following injury, death or damage caused by you when riding your bike. Property damage claims are limited to £1,200,000.
  • Emergency treatment will be reimbursed for any emergency treatment after an incident involving the bike.
  • Continental travel is covered for riding the bike in the EU, plus Andorra, Gibraltar, Iceland, Norway and Switzerland, in a trip of up to 183 days.
  • Roadside assistance and accident recovery is included in the policy as standard.

Third party, fire and theft standard policies include all of the features included as standard, plus the following:

  • Loss or damage where the insurer will cover you for loss or damage to your motorbike.
  • Three-year guarantee for repairs that need to be made to your motorcycle.

Comprehensive insurance provides all of the above and in addition, it offers:

  • Accidental damage so you’re covered if you suffer loss or damage to your motorbike if it’s accidentally damaged.
  • Key cover if you lose or damage your motorbike keys, the insurer will pay up to £350 for a replacement key.

MCE offer a selection of motorbike insurance policies, so the exact levels of cover and benefits may vary. Before buying motorbike insurance, we recommend you check the cover and benefits included.

MCE Insurance optional extras

MCE Insurance offers several optional extras that can be bought when you come to buy or renew, including:

  • Guaranteed No Claims Discount (NCD) where the insurer will provide guaranteed NCD protection, so you won’t lose your no claims discount even if you make multiple claims.
  • Other bike cover means you could also secure extra cover so that you’d be free to ride other people’s motorcycles for leisure.
  • Excess reducer cover sees the insurer cover 50% of your excess.

Contact MCE insurance

You can contact MCE in several ways. You can get an online quote via the website, or call the company’s customer service line on 01933 351361.

If you need to write to MCE, you can at:

MCE Insurance
Sapphire House
Crown Way
NN10 6FB motorbike insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: 8 Princes Parade, Liverpool, L3 1DL. Our service is free and compares a wide range of trusted household names. is an intermediary and receives commission from Vast Visibility Ltd which is a percentage of the total commission if you decide to buy through our website. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.