Lexham insurance is a UK-based specialist broker known for arranging motorcycle, scooter and performance car cover. Regulated by the Financial Conduct Authority, the firm focuses on competitive £ premiums for riders who may struggle to secure affordable protection through mainstream insurers.
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What Is Lexham insurance and Who Is It For?
Lexham insurance is a specialist motor insurance broker that arranges policies for motorcyclists, moped riders and selected car owners in the UK. It works with a panel of underwriters to provide tailored cover, often supporting younger riders and higher-risk categories.
Unlike direct insurers, Lexham insurance operates primarily as a broker. This means it compares underwriting partners to secure suitable policies for customers rather than underwriting risk itself.
Its core customer base typically includes:
- Motorcycle and scooter riders
- Delivery riders
- Young drivers seeking competitive premiums
- Owners of imported or modified vehicles
Types of Cover Offered by Lexham insurance
Lexham insurance specialises in motor-related policies designed around UK legal requirements and rider needs.
Motorcycle Insurance
Policies generally include the standard UK cover levels:
- Third Party Only – Minimum legal requirement
- Third Party, Fire and Theft
- Comprehensive Cover
Comprehensive policies may include accidental damage, vandalism and optional extras such as breakdown assistance.
Scooter and Moped Insurance
Scooter riders, particularly those using vehicles for commuting or food delivery, often require tailored risk assessment. Premiums vary depending on location, mileage and claims history.
Car Insurance
Although primarily known for two-wheel cover, Lexham insurance also arranges policies for cars, particularly for younger drivers who may face higher premiums elsewhere.
Optional Add-Ons
- Legal expenses cover
- Helmet and leathers protection
- Breakdown assistance
- Personal accident cover
Always review policy documents carefully to confirm limits and exclusions.
Is Lexham insurance FCA Regulated?
Yes, Lexham insurance is authorised and regulated by the Financial Conduct Authority. This means it must comply with UK conduct rules, including fair value assessments and transparent communication under Consumer Duty standards.
FCA regulation ensures:
- Clear explanation of excess amounts
- Proper complaint-handling procedures
- Access to the Financial Ombudsman Service
- Potential eligibility under the Financial Services Compensation Scheme
Consumers can verify authorisation directly on the FCA register before purchasing a policy.
How Much Does Lexham insurance Cost?
Premiums depend on multiple risk factors, including:
- Age of rider
- Postcode risk rating
- Engine size
- No-claims history
- Vehicle modifications
For younger riders, annual motorcycle premiums may range from £300 to over £1,200 depending on risk profile. Delivery use typically increases costs due to higher exposure.
Choosing a higher voluntary excess can reduce the upfront premium, though this increases the amount payable if you make a claim.
Advantages and Disadvantages of Lexham insurance
Advantages
- Specialist focus on motorcycles and scooters
- Access to multiple underwriters
- Competitive pricing for younger riders
- Optional rider-specific add-ons
Potential Drawbacks
- Broker model may involve administration fees
- Customer experience varies depending on underwriter
- Premiums can still be high in urban postcodes
As with any broker-arranged policy, it is important to check both the broker’s terms and the underwriter’s policy wording.
Making a Claim Through Lexham insurance
Claims are usually handled by the appointed underwriter rather than the broker directly. Policy documents will provide emergency contact details and claims instructions.
To support a successful claim:
- Report incidents promptly
- Gather photographic evidence
- Obtain police reference numbers where required
- Keep repair invoices and receipts
Clear documentation speeds up processing and reduces the risk of disputes.
Is Lexham insurance Right for You?
Lexham insurance may suit riders seeking specialist motor cover, particularly those with higher-risk profiles or modified bikes. FCA regulation provides reassurance, but customers should compare excess levels, cover limits and total £ cost before committing.
For UK motorcyclists and scooter owners, Lexham insurance offers a focused alternative to mainstream insurers, combining broker flexibility with regulatory oversight. Careful review of policy wording ensures the cover matches your riding needs and budget.