I have had three policies with MCE and if there was ever a problem they were always happy to help. I recently had to stop riding my bike due to illness and was unable to speak on the phone or contact through email due to my circumstances; This caused problems with my bank and therefore direct debits did not go through. As i was unable to pay the bill a charge was added to my account of £40 without my usual payment (usual monthly being £25 without charge) About a week after that i got a phonecall asking for payment in excess of £65, and after explaining my circumstances they stopped my insurance instantly and left me with no bill to pay. A massive weight off my mind, and a very understandable company within reason :D thank you very much.. and Lesson learned, MCE will be the company i go to if i need a new policy..