Here's why to avoid this company, I took out insurance through MCE for a bike that I had decided to buy, I did this online but the very next morning when I went to get the bike it had been sold even though the seller said he would hold it for me. I contacted MCE straight away and was charged £64.00 cancellation fee on a £99.00 policy, the laws states that there is a fourteen day cooling off period and the insurer can only charge a small fee for the period of cover, MCE told me that the insurance cost was just 26p for one days cover, the rest is admin fees, anyway off to the ombudsman, for every complaint the ombudsman has to deal with MCE will have to fork out £250.00 so more fool them, I won't recommend their services nor will I ever insure with them again, quite honestly it's a rip off, all companies should act in a fair and reasonable manner not blatantly rip their customers off