Yesterday was easily the worst experience I've had with an insurance company in 12 years of having insurance. It was time to renew my policy and having looked around MCE were the cheapest. Deciding to go ahead with them again I went to the email they sent me about my renewal and followed the link. Annoyingly, even though I'm an existing customer I had to re-enter all my details to get a renewal quote (FYI my date of birth hasn't changed, you can use the one on my existing policy). Got through to the payment section where my payment was declined. Thought it was an issue with my account for some reason so tried another one and it was declined again. There was a phone number to call to make the payment over the phone so I rang it. Two hours of being on hold later the line goes dead. Turns out my phone provider has an alert to warn me when I'm exceeding a monthly cap. Just found out that the number I was calling to give MCE my money was charging me 30p a minute for two hours! Went onto their site and found another number to call which wasn't charging me an obscene amount and waited another hour and a half to speak to someone. Had to go through the whole renewal process again providing all my details. Ended up at the same price as before and was told that despite my 3.5 hours of holding and £40 phone bill they'd already applied the maximum discount they could (ie the same price as my online quote). I've now just seen that one of my attempts to pay online did in fact go through, which means I've now paid twice. Just bracing myself emotionally before having to spend the next three hours on hold to get my refund sorted. I have insurance because it’s a legal requirement, not because I ever hope to use it. MCE were cheaper than the rest so I went with them again just to satisfy the legal obligation of having insurance at the lowest price. I've never thought about this before, but if something were to happen I'm really worried about having to deal with them.