MCE is a good insurance company and relatively cheap for bikes. I've been fortunate in never having to use them for anything except getting a jump start for a flat battery. So cannot comment on the crash side of things. I always get confused as to why you have to put all your details in again when you have to renew, leaving you rummaging around for purchase documents and working out how long you have had a licence for. I would have thought this should be automatically stored if no details have changed? Just a question about if any details have changed and the current value of the bike would do I would have thought. I would still recommend them though