I honestly do not think my experience with MCE could be any worse. I came off my bike on the 4th of november. No one else was involved as it was due to gravel on the road and it was a quiet road. I put in a claim, took weeks to get back to me about anything. finally collected the bike. then took over 2 weeks to contact me about the bike. They then claimed the bike needed to be written off as there was £3.8k worth of damage to the bike. There is no way there was that much damage and the report they gave me gave no breakdown and even stated thjat the grips and exhaust needed to be replaced. There was ZERO damage to the grips and the exhaust had a tiny scratch that could have happened while backing the bike out of the garage (I have photos of all the damage before it went off). They then brushed aside my request to get a second opinion and refused to look at the value of the bike as they had also under valued it by £1000. They then put it through to an internal investigation which would take 3 days... they did nothing and so it went to their complaints department who said they would need a maximum of 8 weeks to complete their investigation.. I gave then 8 weeks... they then just said sorry we havent completed it yet. So I went to the ombudsman... when then told me they can't do anything as it is with the administrators now. Basically MCE fobbed me off for MONTHS just so that they wouldnt have to deal with me. They STILL have my bike and I still havent even got a pay out. I dont understand how this company can keep going when their underwriters have gone bust and left their customers in such a bad situation. I don't even have anyone to turn to as I have been trying to contact the administartors for 2 weeks and have had nothing back. Going with MCE was the worst decision i have ever made in my life. the fact that they are still trading is a disgrace and frankly an insult.