Lexham Insurance Review: Competitive Rates and Good Customer Service

Lexham Insurance Review: Competitive Rates and Good Customer Service

Lexham is a specialist bike broker that stands out for friendly customer service and some of the lowest rates for young motorcycle riders and drivers

Good for

  • Bike specialist broker
  • Friendly, helpful customer service staff
  • Low prices for young bike riders and drivers

Bad for

  • No short-term bike policies on offer

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Lexham Insurance is a specialist broker that offers some of the best priced learner driver and motorcycle insurance policies for young people, but what sets the company apart are its positive customer reviews and the UK-based customer service staff which is known for being helpful, friendly and knowledgeable.

Lexham: Great Reviews and Competitive Pricing

Lexham's strongest features are its customer service and competitive rates. In particular, we found Lexham's young-rider motorcycle and learner driver insurance quotes to be affordable and oftentimes less than those offered by other insurance companies. In fact, they ranked cheapest in our study of cheap motorcycle insurance for 17 year olds and 19 year olds. Thanks to its low rates, easy renewal process and customer-focused service team, Lexham motorcycle insurance has very positive customer reviews overall.

Lexham Motorcycle Insurance

Lexham's affordable motorcycle insurance quotes and its highly-regarded customer service make it one of the best cheap motorcycle insurance companies. One way that Lexham keeps prices low is by stripping cover back to basics, so you only pay for extras like breakdown or helmets & leathers cover if you need them.

Lexham Bike Insurance Discounts

The discounts that Lexham offers are pretty standard across the motorcycle insurance industry, with most related to safe driving history and bike security. For instance, storing your bike in a secured garage instead of on a public road can save you around 20% on comprehensive cover, depending on your particular details. Below, we provide details on a few Lexham motorcycle insurance discounts.

Lexham Bike Insurance DiscountsHow Do You Earn It?
Where You ParkKeeping your bike garaged while it's not being ridden will often reduce the premium
Driving RecordIf you're a good driver, don't speed and don't have any motoring convictions, you should get a lower price
No ClaimsIf you don't have any claims, your motorcycle quote should be lower
Bike SecurityExtra locks or an alarm on your bike might secure you a discount, though not always

Lexham Bike Insurance Extra Coverages

Lexham bike insurance policies are stripped back to basics so that prices remain low. If you want extra coverages then you'll need to pay extra. For example, Lexham's breakdown cover costs £60 per year and will fix your vehicle at the side of the road or, if they're unable to do so, will take you and your vehicle either back to your home address or to a garage for repairs, whichever is closer. Details of Lexham optional extras are in the table below.

Lexham Extra CoveragesDescriptionPremium
Helmet and LeathersDamaged motorcycle clothing will be repaired or replaced up to £1,000£42
Personal AccidentPayouts up to £20,000 for more serious injuries; Weekly payments if you can't work£54
Breakdown coverIncluding home start, roadside assistance & recovery; up to 4 breakdowns/year£60
Excess ProtectionGet your Excess back in the event of a claim up to £600; applies to "theft of" or "damage to" claims£57 (incl. £10 online discount)

All Lexham motorcycle policies are 12-months in length. They can be cancelled at any time but there will probably be charges to do so. As a result, if you're looking for short-term cover you may be better served by a different insurance company.

Lexham Scooter Insurance and Lexham Moped Insurance

Lexham's scooter and moped insurance is offered under its motorcycle insurance, and are where Lexham first specialized when they began operations in the year 2000. If you're searching for scooter or moped insurance, consider a Lexhan motorcycle insurance policy if you want a low rate. This means you'll have access to the same discounts and features mentioned above.

Lexham Bike Insurance Quotes

Lexham's bike insurance quotes were good to average compared to its competitors overall. Where Lexham really stood out was low rates for young people. In fact, for those aged 19 years old, Lexham came out cheapest in our recent study.

Cheap Bike Insurance Companies for Young Bike Riders

RankInsurerAnnual Premium
1Lexham£1,338
2MCE£1,549
3Bikesure£2,215
4Motorcycle Action Group£2,227
5Bikesure Elite£2,286
Average£2,815
chart showing the cheapest motorcycle insurance companies for a 19 year old

Lexham Car Insurance

Lexham has branched out to offer classic car insurance and insurance for learner drivers as well. Expect the same friendly and helpful customer service experience.

Lexham Classic Car Insurance

Lexham offers bespoke comprehensive or accidental damage, fire & theft (laid-up) policies for classic cars. Applicants must be at least 30 years old, residents in the UK for more than five years, hold a full UK licence and own another car. In addition, the car must meet the following requirements to qualify for Lexham's classic car cover:

Lexham Classic Car InsuranceRequirements
Car AgeManufactured before 1987
ValueBetween £2,000 and £80,000
MileageDriven up to 5,000 miles per year
StorageKept overnight in a garage or on the drive of the policyholder's home address

Lexham Short Term Learner Car Insurance

For those new to driving, Lexham offers competitive rates on specialist, short-term cover lasting from 7 days to 24 weeks. Lexham's Learner Driver Cover enables a young driver to practice in their own car whilst under instruction or learn in a family member's or friend's car without affecting their existing insurance policy or risking their no claims bonus. As this cover lasts weekly or monthly, you only pay for the time you need until you pass your test.

Learners who wish to buy their own car once they’ve passed can then get a different 12-month insurance policy for that car later on.

Additional Lexham Property and Liability Coverages

If you have niche coverage needs beyond auto and motorcycle, it's possible that Lexham offers the insurance policy you're looking for. Lexham's stand-alone insurance policies include Quad, Motorhome, Van, Cycle and Electric Cycle.

One point to note about Lexham. Since Lexham is a broker, their best price for you might be achieved by splitting your policy and setting it up with two insurers, one covering third party only and the other covering the rest. In that case you should receive documents for both insurers, but you'll just get one certificate of insurance.

Lexham Customer Reviews, Complaints and Ratings

Customers should expect pretty good customer service from Lexham. The company earns high marks from customers on various review sites and has relatively few customer complaints. The few complaints we saw were related to not receiving policy documents in a timely fashion or admin charges for changing policy details. However, it is industry standard to charge a fee if, for instance, you change your bike in the middle of a policy year.

Lexham Online Tools

Lexham is working on a mobile app to improve the customer experience, although we believe it is still a work in progress. With the Lexham Mobile app, you can access important phone numbers and live chat, request a callback at a convenient time and even file claims right from your phone through the 24-hour claims line. In the future, they plan to offer a function to download and print your insurance documents, which would certainly be a welcome addition.

Cheap Insurance Quotes in Your Area

Quickly compare up to 100 UK insurance providers.

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Comments and Questions

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