Insurance what a piss take.

[Dudeofrude]

MCE allow you to have multiple mods, within a framework, and not declare them. They include exhausts, hand guards etc. In fact, by memory, the only exclusion relate to boosted engines, nitrous and frame mods, everything else they cover up to a certain number.

You'd be taking a big risk using MCE.
Now I'll add that i used them for 2 years and they were perfectly fine but apparently when it comes to making a claim they are worse than abysmal!
Just Google them and read some of the reviews. Some people have been charged £1000s after an accidents that weren't their fault. They've ripped so many people off its a wonder they are still in business
So I'd advise caution before putting trusting all your precious motorbikes with them