Never, ever use MCE Insurance. I was on holiday in Europe and just tumbled from standing on a slope - injured my shoulder so hol cancelled .RAC EU Breakdown were fantastic - bike not broken down but paid for hotels and flight for me to return home. MCE would do nothing unless I claimed for an accident to bike. Bike suffered only a 2" scratch to exhaust and a scuffed mirror tip. I would not have bothered claiming if bike had been in UK. MCE got it to UK then insisted on writing it off inc. declaring its steering defective and dangerous, after demanding I send them the V5 "to help them assess the claim". Bike worth £2500 and they offered a buy-back at £500. Entirely unscrupulous - concerned about limiting their costs at all costs to the customer.