Absolutely appalling insurance - Stay away!! Almost 3 months since I reported the theft of my bike and have yet to receive a settlement. Over the last 3 months MCE sent me incomplete requests for information, requested documents already in its possession (i.e. NCB proof) and worst of all, after FINALLY sending me a settlement proposal (which only came through after I initiated a complaint) backtracked on the mutually agreed sum as my stolen bike had been recovered by the police. 75 days since my bike was stolen, I am still on foot and waiting for a payment on a very straightforward theft claim.