Painful having to repeat ALL the information again if you have already done an online quote and phone up to ask for a multi-bike quote or other amendment requiring speaking to a human being. Also if you change the level of cover and you have to go through ALL the details again - made me want to just hang up several times. And the hold music is so annoying - now I know why customers spend so long on hold (see above). The sales assistant then states the system is running slow.....? My multi-bike quote was over £100 MORE than adding up the individual quotes on each bike - I've NEVER had that before......... THEN after a word with the underwriters I got an instant £100 discount.... Hmmm.....nice. It was still a bit more than the sum of MCE individual bike quotes..... I decided to go with it to avoid the pain of repeating ALL the details again with another insurer. Despite the compulsory excesses also being on the high side - also more than I've ever had before........ At the moment the only thing which stands out about MCE is they accept NCD upto 3 years old.