I've only ever had to make a claim once for a non-fault accident via MCE (2006) which was relatively painless. I've also been with Swinton, Hastings & Bikesure (current). Swinton & Hastings were fine albeit so far I've had no interaction beyond buying a policy/changing a bike mid-policy. Bikesure have been the cheapest by quite a bit the last two years, although it did take four attempts to get my renewal policy correct (which included the 3rd issue of documents having the wrong registration number). I'm hoping that was a blip rather than normal service...