Was with them on a commercial policy and was happy with them, but heard so so so much grief from folk on domestic policies (anything you can imagine) that there is a reason they are often cheaper policy price they simply offer less cover or are very successful in paying out adequately.
I was insured with MCE when my Tracer 900 was stolen 5 years ago - paid out in full within 3 weeks.
They did try to increase my fully comp for my GS from £450 last year to £1,500 this year. Went with Carole Nash @ £290 instead.