You'll notice all the positive reviews of MCE are from individuals that have simply purchased a policy. Look at anyone who has had to claim and the true picture emerges. I have insured numerous times with MCE. Price competitive, easy to set up, so up until the point of an insurance claim, ignorance of what lies beneath. I was rear-ended by an agricultural vehicle. I managed to stay on the bike, but the rear of my bike was damaged, including a twisted subframe. The 3rd party admitted liability. Having not been in this situation before, I reported it to MCE. That phone call cost me £18.53 on their premium rate number. They were very keen to get my KTM Superduke R collected and taken to their 'repair centre' in Northampton. I could not choose a KTM dealer to repair it. It could only be done by them. They were also falling over themselves to provide a loan bike. All arranged without any actual information of the procedure or timescale, even though a straight forward uncontested 3rd party claim. They really pushed their 'partner' personal injury lawyers, Fletchers. They were on me like a rabid dog, bombarding me with phone calls and emails. Still, where there's blame, there's a claim and some big money to be made. The day before the collection of my bike was booked for, I get a call from the 3rd party's insurer, NFU Mutual advising me that their client has admitted liability and could they help get my bike repaired? So what do I do? I've never had any dealings with NFU and surely MCE are more likely to look after my best interests, right? So I decline, but they offer their contact details if I need any help. So, MCE van turns up and unloads a snotty, scraped-up, corroded 2010 Z1000 fully sticked up in MCE/Big Ed branding. I'm simply asked for a signature to take my bike away and a signature for the 'hire agreement terms & conditions' for the loaner. I insisted that I read said terms, which were conveniently 'in the van'. Upon reading, I was signing a hire agreement of £105 a day. Yes. One hundred and five pounds for every single day that I am in possession of what is no more than £3000 of bike. Alarm bells start ringing. The delivery guy plays dumb. He can't tell me anything. I'm feeling uncomfortable about the whole thing. I'm about to wave my bike good bye without any control over it at all and MCE are racking up £730 a week, in the meantime. So I decline to get involved. I send the van and loan bike away after calling NFU back, who are incredibly helpful and ask me where I would like the bike repaired and could they arrange for either a loan bike or car? The difference in customer focus and service could not be more different. Except, I'm not NFU's customer! They have a 65 plate, 300 mile 5 door hatchback on my drive that afternoon. Now I've effectively washed my hands of 'smoke & mirrors' MCE, they see their profit opportunity slipping away and start bombarding me with calls from random individuals wanting to check that I'm now dealing direct with the 3rd party insurer. Fletchers are still chasing me by email and send me a claim form in the post. One of their people call me asking why they have not received claim details. When I tell them I won't be claiming, they are speechless. Why, they ask? Because I have not been injured, I reply. The inference was that it was almost irrelevant. I should claim anyway. So in conclusion, MCE only works for MCE. Plain & simple. Money drives it all. They do not give a toss about what's best for their customer, just to wring every last drop of profit out of the situation. Once the claim is settled, I will cancel my policy withem and never, ever deal with them as long as I live.