Have you noticed that all of the bad reviews stem from people who've actually had to involve MCE in a particular incident? They're great until you need to speak to them about ANYTHING. I had to cancel my policy after 2 months because I ended up selling my bike. I paid £437 up front, 2 months payment should equate to about £73 in total. The total amount they've told me they'd refund me is £197 - So that's an additional £170 worth of charges and % fees on top of what I've already paid for the 2 months insurance that I've used. In addition to this, I had to hold on the line multiple times for up to an hour just to cancel my policy. They even attempted to charge me for 3 months of my policy because I called up a day after a full 2 months, but luckily I sent an email the day before so they let it slide. I've received no email confirmation of my cancellation or refund so I'll probably have to ring them back to make sure it has actually gone through; and I'll probably have to endure another 40 minute holding time. All insurance companies bend you over, but I feel well and truly screwed by MCE. Stay away.