Heard some horror stories about MCE? Ha, Toph, you can Google horror stories about MCE, they are THAT bad. First i would go to one of the comparison sites, and run a search, Gocompare&moneysupermarket, then i would ring H&R http://www.hrinsurance.co.uk/ who are not on these sites, but will be able to see the results from them on their database, and will try and match the best. H&R are based in the UK, call centre in the UK, and are probably the best insurers to deal with of all.