WARNING joining MCE will be the biggest mistake of your life. Back in April had an accident and the bike was a right off. After months of phone calls and arguments they finally paid out but only after I threatened them with trading standards etc. During all this shocking service they were giving me they gave me a quote for the bike they were willing to pay me so I went out and bought a new bike same make and model but a year younger. Rang them up gave them the new details of the new bike and it cost me another £100 for the remaining time of the policy which by the way was 9 months. So few more phone calls asking where the money was and they finally paid out. Then Two weeks after they paid out they call me up and say now that I've claimed off my policy it is now spent and no longer in place even thou I paid for a full year upfront and an additional £100 for the new bike. I told them to get stuffed and it's now in the hands of the ombudsman. Stay well clear of this shocking company