If we could give less than one star we would; MCE has given us nothing but headache, frustration and a huge phone bill since dealing with them. I would strongly advise any consumer to pay that little bit extra for a 'legitimate' company who are competent and efficient. In the first instance my partners vehicle was stolen and recovered by the police; damage to the bike did not appear significant and was a repairable project (advised by mechanic friend), MCE agreed to take the bike into storage over night (later said this would be at our expense), then remove the bike from said storage to take it without permission to Bristol from Plymouth to a salvage yard, they then moved the bike (again with NO consent) to Doncaster 500 MILES AWAY, we were given no indication of this happening until after the bike was moved and were told if we wanted the bike back we would have to pay the storage costs and for the travel back to Plymouth. From this point onwards we called daily for a progress report , to be told on day one 'it's probably a total loss', on asking who had inspected the vehicle we were advised no one but it looks 'that way' (there was very little visible damage aside from the damaged steering lock, so without inspecting the bike its hard to see how they came to that conclusion). after over A MONTH it was confirmed to be a total loss, but MCE refused to disclose a list of potential repairs until the ombudsman was mentioned, we then received a very repetitive and 'cobbled together' list of repairs; not a headed paper by the garage works list like requested/expected like other insurers. In brief we have been waiting in excess of three months for a written off vehicle claim to be settled and still have no sign of the promised funds; we call daily for an update on the progress to be told various stories by members of staff who just cant wait to get you off the phone. stories such as the manager will release the funds, we require additional documentation, there has been a delay due to the bank holiday, the manager who deals with this is unfortunately unavailable, we'll call you back with an update etc. etc. All of which has still got us no further to having the settlement. On one occasion my partner was verbally abused by a member of staff who to end the call properly. We were made aware by the ombudsman that the underwriters of MCE's policies La Parissienne assurance, were not regulated by the FCA either, which if informed of this the policy never would have been purchased. Its worth being aware that staff seem to have very little product knowledge on the policies they sell, you can call numerous times reference the same issue and receive a multitude of responses. Although a long winded review this is only a BRIEF history of our issues with MCE, we are at present seeking legal advice on the matter. AVOID AT ALL COSTS.