Absolutely abysmal company. I had several bikes insured with them and then I had an unfortunate accident. My bike pre-accident was in A1 condition. I received a paltry offer, which was significantly below the market value (which is what MCE purport to indemnify you to the value of). I complained and Cerys Jones was extremely selective with the aspects of the claim that she wished to respond to. However, she categorically refused to respond to the key points of my claim, insisting that she had issued a 'fair and reasonable' offer, despite it being £3,000 less than the market value of my bike. I repeatedly asked what condition was input in order to provide their 'fair and reasonable' offer. After a further eight weeks, Cerys Jones disclosed that they assess the condition as 'good' which is far from the market value of my bike, thereby placing themselves in breach of their own contract. Not to worry though, because they keep it all nicely under one roof. They own the broker company, the insurance company and the claims company. THEIR broker charges you a hefty fee for 'placing' the policy with THEIR insurance company, then they oversee the claims. I requested the price for buying back my written off bike. MCE apply a deduction of 40% off the value of your settlement - double the percentage of other companies, so heads they win and tails you lose. I own several billboards on motorways and will be posting a massive warning to others as soon as the banners are printed. Please do call me if you wish to hear further details or if you would like to discuss a class action against this company. My telephone number is 07977 411644