Once again I've renewed my bike insurance with MCE. New bike this time and although the excess is high the premium is very reasonable so I stayed. You have to weigh up whether it is an appropriate risk for your own circumstances. See if it comes down next year.. One criticism - the online quote system did not recognise my input as the sole rider of the bike (1) so could not proceed with this process. When I went on to the live chat, they could not provide me with a quote either - although they did confirm my NCD. Had a no fault accident in 2016 whilst insured with MCE. Full NCD protected and no obvious effect on my renewal premiums. Bit of a drawn out process but this is the same with all insurance claims.