BEWARE OF COMPULSORY EXCESS WHEN PURCHASING ONLINE Not happy with MCE, watch out for their compulsory excess as I did not realise that they had set mine to £1050 with a voluntary £250, total £1300 which is the same value as my bike so hardly any point having comprehensive insurance. If it got stolen they would of paid out £100 only. It was not obvious that it was so high, I only noticed after paying my first payment and receiving documents, when I phoned them they admitted thats what they do so they make it to the top of the comparison websites. They changed my policy to third party f&t so that my total excess was only £250 and that was £30 more expensive than fully comp. To lower the excess to £250 with fully comp doubled the quote. After checking other companies for third party cover many where over £100 cheaper so I canceled my policy as I was still in cooling period and they will only refund me £8 of my first payment. So £72 for a weeks insurance...daylight robbery.