MCE motorbike insurance

Find out about MCE motorbike insurance

The information on this page was last reviewed on 28 October 2022.

Why choose MCE motorbike insurance?

  • Up to 90 days European cover.
  • 24-hour, UK-based customer support
  • Specialists in catering for modified bikes

MCE Insurance offers tailored motorbike insurance for riders with modified motorbikes as well as drivers with a conviction

Support is available 24 hours a day, 7 days a week, from the company’s UK-based call centre.

Standard policies include:

  • Up to 90 days' European cover
  • Courtesy bike cover
  • Helmet and leather cover
  • Personal accident cover
  • Breakdown cover

You can also add extras to your policy if you need more protection for an extra cost.

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Who is MCE Insurance?

MCE Insurance was founded in 1975 as an independent policy provider. The company was founded in Ruston, Northamptonshire, where 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 2022, MCE announced that it had been awarded 5 stars at Defaqto for the fifth consecutive year. The company is also the title sponsor of the MCE Ducati Racing team.

MCE motorbike insurance policy details

MCE Insurance offers 3 levels of cover:

  • Comprehensive
  • Third-party only
  • Third-party, fire and theft

All MCE motorbike policies include the following benefits:

  • Liability to third parties means the insurer covers any sum you’d be liable for following death or injury to another person. It also includes damage to their property, if the incident involved your motorbike.
  • Protection for others riding the insured motorbike. Providing they have the appropriate driving licence, third-party liability cover is provided.
  • Personal injury cover up to £1,000 if an accident causes injury or death.
  • Emergency treatment costs are reimbursed after an incident involving the motorbike.
  • Continental travel cover for riding the bike in the EU, Andorra, Gibraltar, Iceland, Norway or Switzerland, in a trip of up to 90 days.
  • Roadside assistance and accident recovery.

Third-party, fire and theft policies include all of these features as standard, plus:

  • Cover for theft and fire damage, where the insurer covers you for loss or damage to your motorbike if it's stolen or set on fire.
  • A 3-year guarantee for repairs that need to be made to your motorcycle.

Comprehensive insurance provides all of these features, plus:

  • Accidental damage cover, so you’re covered if you accidentally damage your motorbike.

MCE offers 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 also offers options extras that you can add when you buy or renew your policy, including:

  • Guaranteed No Claims Discount (NCD) so you don't lose your no-claims discount, even if you make multiple claims.
  • Excess reducer cover means the insurer covers 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.