Despite having needed car insurance for 24 years, I only got into motorcycling last summer. The cheapest quote was MCE and yes I should’ve checked their reviews first. After exactly 6 months of my 1 year policy, I sold the bike in question. A week or so later, I emailed MCE asking to cancel the policy and refund the unused portion. Although I expected to pay some sort of admin fee (let’s be honest, insurance companies in general will try and screw you for every last penny), I was somewhat shocked that MCE outright refused. They said “there will be no refund due on this policy, anything over 6 months on cover there is no refund”. To be clear, there was five total months - plus most of a sixth - left to run. I think this is appalling, and would urge anyone considering using MCE due to them being a bit cheaper to seriously reconsider and use a reputable company instead.