I moved into a new apartment without an indoor parking in May 2016 and I asked for an extension of my insurance - to cover for theft. I asked explicitly over the phone whether I will be covered as of that day and MCE confirmed that. Within 48 hours my motorcycle got stolen, police had footage of the thieves from 3 CCTV cameras, the thieves were arrested, the motorcycle recovered - non repairable - and MCE started making all sorts of claims, not to pay. First claim was that I was not insured because the starting date was one day after my motorcycle got stolen. I rejected that and asked for the recorded phone call which they did not provide and after I was chasing them for some time they admitted I was right. Then MCE said I should undergo investigation since the motorcycle was stolen suspiciously close to the day I extended my insurance (reminder the thieves were in police custody). I underwent a 2 hours interrogation at home by Examworks, the company that MCE outsources all the investigations to. They then delayed the payment as they were claiming they were waiting for the police report that got stolen and although I provided them even the names of the police officers that had the CCTV and the officer that was calling me to inform me of the status of the trial of the thief, it was not enough. I waited for around 8 months until I said I will contact a lawyer. Nothing happened they ignored me. At around 10-11 months (I had already lost hope) i contacted them again and they told me that i am not covered since i was insured the day after my motorcycle was stolen. I told them to go again through the recorded phone calls. I followed the normal process of filing an official complaint with the aim of contacting the ombudsman as a second step. That is when they finally started doing some work and I received my money after almost one year a more than 20-30 phone calls (endless hours of waiting to speak to someone), numerous emails, document gathering, interrogation at home etc etc... Good luck if you are insured with MCE...