Stay well away from this company, whatever insurance you take out if you decide to cancell it within the fourteen day cooling off period you will be charged £64.00. I had insurance through MCE for less than 12 hours, the policy cost £99.00, The cancellation fee they want is £64.00 Under FOS regulations this is not allowed, MCE is run by non caring youngsters who couldn't care less about you, The reason I wanted to cancell the policy was that the bike was sold to someone else and as such I didn't need the policy They are scum, stay away from them, look at all the negative reviews. Won't refund me a penny back, I asked today and was told NO they plan on hanging onto my £99.00 then. IF YOUR NOT HAPPY WITH THE SERVICE YOU RECEIVE FROM MCE GO TO THE OMBUDSMAN, I AM. It is a completely free service and it costs MCE £550.00 in fees to the ombudsman for every complaint that the Ombudsman has to deal with on your behalf IT COSTS YOU NOTHING TO COMPLAIN to the Ombudsmanand I encorouge you to do so if you feel you have been wronged by MCE