Working in Insurance I should have known better. Went with MCE for a bike policy in 2016, had a non-fault accident causing serious injury on 6th June, it's now Jan 18 and it's still going on. I understand these things take time and I'm not back to full fitness but the solicitors they appointed (Fletchers) are dreadful (to call them incompetent would be kind). The solicitors all work part-time so you never speak to the same person twice. Letters arrive 2-3 weeks after they are dated. Medical care is always 10+ miles away from home. The medical expert says a 'serious and severe' injury and Fletchers send me a letter saying it's minor, I'm not even sure what planet they are on, I'm still having treatment and it will be 3 years since the accident in June! Every time anything happens I have to chase them, every couple of weeks until they do something. I had a medical exam in March last year, the 'expert' had his car broken into in June and my hand written exam notes were in there, 3 MONTHS after the exam. Data control isn't their strong-point either. All-in-all the worst experience I've ever had.