Had insurance with MCE for over two years on a Honda CBR600. Unfortunately I came off my bike on a slippery roundabout a few months back which resulted in my bike suffering enough damage to be written off. According to MCE it was written off as a Category D the following day however it still took them over 4 weeks to notify me and 6 weeks to settle the claim. After sending off all the requested paperwork I received the settlement quite quickly. Yet I have still yet to receive any form of acknowledgment from them or the DVLA (they requested the full V5 with yellow part signed). Onto the "Protective Equipment" cover. I was wearing a full two piece leather suit and Gore-tex boots. These suffered significant damage whilst protecting me. I noticed that I had this cover so decided to make a claim against it. The total cost of my leathers and boots was around £600 yet digging into the policy it turns out that I was only covers for £350. Oh yes, they also take £100 excess meaning the total amount of any claim will be £250. So I sent all the requested documents, photos and receipts to MCE. 2 months later and I had still not heard anything back from them. Apparently they were conducting "Market Research" despite me providing them with several quotes for like for like replacements. Anyway, finally get an offer come through of £204 which I promptly declined. £204 for nearly £600 worth of leathers! Absolute joke and I advise anyone to avoid their "Protective equipment" policy as it's not worth the paper its written on. I have since lodged a complaint with the Financial Ombudsman regarding this and are awaiting their outcome.