Initally - I totally agree MCE are great. They are cheap, easy to get setup with and helpful. However having been through a (non fault) claim with them, I would offer to all who are considering them a severe warning. It is not worth the cost saving. 1. Appauling lack of consideration for the customer, bike collected and returned 3 months later in the same state. (to expensive to repair) - cost me £600 at the local garage. Bike value approx £5k. 2. During this time I was on a hire bike (ER6) being charged to 3rd party at £100 per day. 3. Appointed legal team - unable to even get my name correct (Alex - tough one!) 4. Subsequently called to change address informed claim still open - 4 months later! 5. As a result they attempted to charge me a further £67 to change address - from being parked on the road to being in a locked compound. They are absolute con artists, defintely not worth the cash you initially save. DO NOT USE.