As I took their insurance out on my scooter, with one years no claims from my previous insurer lexham who charged me 1300 for my first year on road, Mce offered me my second year on road for more than half of that £1,300. I must say thanks for that. I had my policy for 7 days then my bike was stolen, MCE have kept me up to date throughout the whole process. I would recommend this company as their options including (NCB protection, Breakdown Recovery, Excess reducer, Courtesy bike and some other options). I believe this is one of the best insurers out there for bikers.