Steady on with the choice of language there!!!!!
MCE are just down the road from here in Wellingborough, why not do a little ride out and camp up in the recpection of their big posh offices until documents arrive?
Higher excess = lower premium!
I decided to stay with the company I'm insured with now, for £105 and £100 excess, so MCE are taking the piss!
Only problem with that is if they have put a condition on your policy ie no pillion cover or no commuting and you dont know