Opening hours

General enquiries

Mon-Fri 9.00am - 7.00pm, Sat 9.30am - 4.30pm.

24hr Claims Line

24hrs a day, 7 days a week

Dealer Support

Mon-Fri 9.00am - 7.00pm, Sat 9.30am - 4.30pm.

Ice Cream Van Insurance

What is covered in ice cream van insurance?

Our Ice Cream Van Insurance is a motor vehicle insurance policy that includes many benefits including fixtures and fittings as standard.

Do I need special insurance for an ice cream van?

When getting insurance cover it is important to make sure that it covers you for everything you need it to if the worst was to happen. With our specialist ice cream van insurance cover, it is designed to have the benefits and extras available to cover everything you’d need of it including fixtures and fittings as standard.

How much is ice cream van insurance?

There are many factors that influence an ice cream van insurance premium, from make and model, to location and driver experience. By having an experienced team on hand we offer a fully bespoke quotation to offer you the best quotation possible.

Moped & Scooter Insurance

Do you need insurance to ride a moped or scooter?

Yes! You must have insurance to ride your scooter or moped on public roads. Whether you have a provisional or a full bike licence, we offer an insurance package that’s right for you.

What do I need to get scooter or moped insurance?

If you’re looking to take out an insurance policy, in addition to your personal details we’ll need to know further information, such as:

  • Your number plate
  • The make and model of your bike
  • Your annual mileage
  • How many years no claims bonus you have
  • Details of any convictions
  • Details of any accidents in the last five years
  • You’ll also need to let us know if and when you passed your Compulsory Basic Training (CBT) and what type of licence you hold.

If you have any queries regarding the above, please call us on 01379 646 529, send us a message or use our live chat.  

What types of scooters and mopeds do Lexham insure?

We pride ourselves on getting you the lowest quote and best cover we possibly can for your moped or scooter, regardless of manufacturer, age or engine size. Whether it’s a budget scooter or a premium brand, 50cc, 125cc, maxi-scooter or three-wheeler, we will work to find the most suitable policy for you.

Do Lexham insure electric mopeds and scooters?

We offer competitive rates on electric scooter insurance policies, and with over 15 years worth of experience providing electric scooter and motorcycle insurance, you can find our best deals direct through our website.

Do Lexham offer scooter insurance for young riders?

We insure riders from 16 to 80, so whether you are a learner on a 50cc scooter travelling to college or a well-experienced rider commuting on a large capacity maxi-scooter, we will always find the cheapest quote and best cover possible by comparing our panel of top UK insurers.

How much does scooter insurance cost?

We offer a wide range of low-cost moped insurance & scooter insurance deals brought to you by our panel of Insurers. We compare all our Insurers and their products to offer you the best quote available to suit your requirements.

Can I carry passengers with scooter insurance?

You'll be asked if you require pillion use as part of the quotation and this can be included provided you have the right licence entitlement.

Why should I use Lexham Insurance?

There are many insurance companies with different attitudes to different types of risk. Some are keen on certain types of bikes, or certain ages of rider, some aren't keen if you're using your bike to do your job, and so on. We are a specialist broker - we know these Insurers and we can find you a policy that's suitable for you. Price will obviously be important, but it's also vital that you have cover that's suitable for you and what you'll be using your bike for. You're welcome to get a quote and take up insurance on our website, but there's no extra charge if you ring us, this way we can be sure that everything is properly dealt with and that you understand the important matters. If you have to make a claim we want the Insurer to pay it and we're sure you do too, so we don't want them to have any reason to raise a query. It's important you answer every question fully when cover is arranged and the best way to do this is to speak to us. Suffering the loss of or damage to your bike can be stressful, so we're also here to help and guide you at claim time. We're a friendly bunch - try us!

How can I potentially reduce the cost of the insurance?

Insurers base their premiums on many factors, so changing any of these can affect the cost. Clearly, the level of cover you choose is one of these - Third-party Only (TPO) cover is normally the cheapest, but this won't cover you for loss of or damage to your bike. Third-party Fire and Theft cover is more expensive and Comprehensive cover (which also covers accidental damage to your bike) gives the widest cover so is the most expensive. Covers other than TPO will have an excess (the amount of any claim that you must meet). Selecting a higher excess can reduce the premium. Keeping your bike garaged while it is not being ridden will often reduce the premium, but in some areas with a high crime rate insurers may require this anyway. Extra locks or an alarm on your bike might also have an effect, though not always. If you haven't yet bought a bike and are flexible, you could get quotes for different models. Cosmetic differences won't normally affect the premium, but power output and some styling may well. If you don't use your bike for commuting, or don't do many miles on it each year, some insurers may give a lower premium for this. You'll also keep your premium lower if you're a good driver and don't speed, don't get motoring convictions and don't have claims! In any event, if you speak to us we'll cover all the options with you to find suitable cover at the best price.

Why is the quote form so long?

The questions are set by the insurance companies, who need all this information in order to calculate the premium. We'd like it to be shorter too but sorry, there's nothing we can do about it!

What are the types of insurance?

There are 3 main covers. Third-party Only (TPO) is what the law says you must have if you use a motor vehicle. This cover protects you if you are responsible for an incident that injures someone or damages their property. Without insurance, they would sue you, but instead, your insurer deals with their claim against you. As serious injuries can involve compensation running into millions of pounds, this is a very valuable cover that we should all have even if the law didn't insist on it. Third-Party Fire and Theft (TPF&T) also covers you if your bike is stolen or is damaged by fire or attempted theft. Unless your bike is not worth much, this is probably the most popular cover, as most of us would want to receive some money if our bike was stolen. Comprehensive (often called Comp), in addition, covers you against other sorts of damage to your bike, such as if you have a road accident. Your insurer will arrange for repair if possible or will pay the pre-accident market value of your bike, less the excess. This gives you the widest cover and may well be required if you have arranged finance to buy the bike. TPF&T and Comp covers will have an excess, often of many hundreds of pounds. You can take out Excess Protect insurance that will pay you back the amount of this excess once your bike claim has been settled, effectively reducing your bike insurance excess to nothing!

Please explain no claim bonuses!

This discount (NCB) is given by insurers to reward customers who do not make a claim. A percentage is given off the premium for each year you've been insured but have not made a claim, up to a maximum. If you then make a claim, you may lose some or all of this bonus at the next renewal. It's important to understand that it's a no claim bonus, not a no blame bonus. If any claim is made under your insurance (such as by you following the theft of your bike, or by a pedestrian you injured in an accident), you are likely to lose your NCB. However, if the accident was another person's fault, your insurer will normally be able to recover what they paid from the other person's insurer, in which case your NCB will not be affected. One complication can be when the accident is not your fault, but the renewal of your insurance is due before your insurer has made a recovery from the other person's insurer. In this case, your insurer will reduce the NCB and you will have to pay a higher renewal premium, but when they make the recovery, they will restore your NCB to what it should have been and refund the extra premium you paid.

Reg number or chassis number?

You don't need either a registration number or chassis number to get a quote. However, we must have one of these before the insurance can be started. If all you've got is the chassis number, you must supply the registration number by 2 weeks after the start date or the insurer will cancel your insurance.

How can I pay for my insurance?

You can pay by credit card, debit card, cheque, or, if you want to spread the cost, you can pay a deposit by one of these and then arrange a loan through us, repayable by 10 monthly direct debits (if you are under 18 you will need a Guarantor).

Why do I need a loan guarantor?

This is the law, anyone aged 16 or 17 must have a guarantor if they wish to arrange a loan or other finance. The guarantor agrees to guarantee repayment of the loan if you fail to repay it.

Can I change the date of my loan repayments?

As long as your loan will be repaid before the final month of your insurance, you can normally choose to have the direct debit coming from your account around the 1st, 11th or 21st of each month.

What licence do I need?

Unfortunately, we cannot give advice on this as the position is quite complex even for UK residents, with more complications arising from EU and other foreign licences. It is up to you to ensure that you have a valid licence, if you do not, your insurance will probably not be valid. Do NOT assume that any foreign licence that allows you to ride a moped/scooter/motorbike in that country will necessarily be valid in the UK. For larger/more powerful two-wheelers, different licences are needed. Your full car licence may or may not allow you to ride certain types of two-wheelers. The main reference point is the DVLA, try their website gov.uk/dvla to begin with, but for anything out of the ordinary you will need to contact them.

Do I need a CBT (Compulsory Basic Training) certificate?

Again we must refer you to the DVLA - full details are available on their website gov.uk/dvla. These certificates can expire so you may need to get another one.

My bike has modifications or is not a standard UK model

Insurers vary in their attitude to such things, so give us all the information (preferably by phone) and we'll do all we can to find you the best deal. One example why some insurers may not be keen is that spares for an imported or uniquely-adapted model may not be readily available or may be more expensive. A unique paint job will obviously be expensive to repair and insurers may not wish to cover this extra cost. Most minor modifications are fine, but to be on the safe side, please tell us of anything other than common accessories (such as a rack and topbox).

Why have I got more than one excess?

If you have chosen TPF&T or Comprehensive cover, you will have at least one excess. This is the amount of any claim that you must pay. There will always be an excess applicable to theft claims. An excess will also apply to damage claims - this may be the same as the theft excess or it may be lower. Also, you may have chosen to take a voluntary additional excess in return for a lower premium. If your insurance covers other people to use your bike, it's possible that a different excess could apply to them. So some policies can have several excesses - do make sure you understand what excess(es)

Am I covered to use my bike abroad?

The answer to any question like this can be found in your policy documentation. You are always covered for the minimum legal liability required in each EU country and certain other countries. Most insurers also provide you with your full cover (eg TPF&T or Comprehensive if you have this) for 30, 45 or even more days in any year. Either check your policy wording, or ask us to check for you.

I've heard of different types of Use - what are they?

Every motor insurance covers you for social, domestic & pleasure use. This is using your bike for your own personal activities excluding commuting. The next level up also includes commuting to a regular place of work or study (though some insurers include this as standard). If you use your bike for travelling to and from different places of work/study, or for any occasional work/study-related activities while you're at work/study, then you will need personal business use. If you use your bike for business purposes (with the exception of deliveries), or for doing Knowledge (before getting a taxi licence), then contact us, it is vital you're properly protected. Your insurance certificate will always clearly state what Use you're insured for, so make sure this is correct.

How do I claim?

In brief, contact us anytime you have an accident or have your bike stolen and we'll guide you. Or tell your insurer direct - their contact details are in their policy booklets and they will need your policy number. If anyone else is injured or their property damaged, the insurer who provides your Third Party cover will need to be told as soon as possible - if the other person thinks you were to blame (even if you disagree), your insurer will have to deal with them. If you are injured too, tell us and we can often offer valuable assistance to help you recover damages. For loss of or damage to your bike, your own insurer needs to be told. If you contact us first, we may be able to arrange a free courtesy bike while yours is being repaired (if the accident was not your fault, and not available for theft claims) and help you recover any damages that you may be entitled to. We contract out some of these services, but this enables us to offer a 24-hour claims helpline - just call 0333 4000049

How do I cancel?

Just contact us asking us to cancel from a certain date (we can't backdate cancellation). If you've received an insurance certificate, simply return this to us or confirm to us that you've destroyed it. If we sent you a certificate by email, please also confirm in your note that you've destroyed every certificate you have printed. We can't cancel until we receive this confirmation If a refund is due to you, we will send you a cheque (unless you give us specific instructions to do otherwise). If a loan was arranged to pay the premium, please do not cancel any direct debits as we will stop them for you when appropriate; we will send the refund to the loan company, with any surplus to you. If the refund doesn't clear the balance, one or more further direct debits may be necessary. If you've made a claim in this year of insurance, there will normally be no refund, but any amount still owing must be paid.

Why do I still owe money on a cancelled policy?

If you cancel after having made a claim, or late in your year of insurance, there may be no refund due, so the full annual premium must be paid. Even where a refund is due, this may sometimes be smaller than the outstanding amount of any loan arranged to pay the premium, so it will be necessary for you to repay the balance of the loan. We will send any refund to the loan company and you will be told how much is left to pay. The loan contract states that the outstanding balance must be repaid immediately, but we will normally be willing for the direct debits to continue for the balance of the loan period.

Can someone else deal with you on my behalf?

It's always best if you deal with us. We realise that insurance can be confusing or intimidating, but we're a friendly and helpful bunch! It's also the case that another person may not know some vital information (such as a conviction, previous claim or modification to your bike) - if we're not told about this, your insurance may not be valid. However, we appreciate that in some circumstances you may not be able to contact us by phone or email. In this case, call us to tell us who you want to act on your behalf and agree a password for them to use. Wherever possible, though, it's best if you contact us - by phone between 8am and 8pm weekdays and 9.30 to 4.30 Saturdays, or by email or letter.

Do you offer short term policies?

All our motorcycles are 12 month policies. They can be cancelled at any time however there may be charges involved in doing so. The only short term policies we offer are for learner drivers on cars, where policy can be taken for 1, 2 or 3 months.

What extra products can be added to my policy?

Alongside our insurance policies we offer three additional products to maximise your cover: Breakdown, home start and puncture recovery service. This is provided by a bike specialist company who will try and fix your vehicle at the side of the road and if they are 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. Personal accident cover. This is a valuable benefit and not covered under bike insurance in the event of a fault incident. The product provides a weekly pay out if you are unable to work due to an injury caused in a RTC and also pay outs up to the value of £20,000 for more serious injuries. Excess protection policy. An excess protection policy means that in the event of you making a claim on your insurance policy the amount of the policy excess will be paid to you. Once your claim has been settled you can recover the excess from this product, effectively making your bike insurance claim excess-free! You choose the level of cover. whereby being refunded money which you would have normally have lost. Helmet, Leathers and clothing. This provides cover of up to £1000 for such items damaged in a road accident. For further information on these products or if you would like to go ahead please see elsewhere on this website or contact our sales team on 01379 646 529, Monday to Friday 8am - 8pm and Saturdays 9:30am - 4:30pm.

Can I use my car/bike NCB on my bike/car policy?

This does depend on your insurer. Unfortunately we do not currently have a bike insurer who will use car no claims bonus however we do have an extra discount we can apply if you have road experience on any vehicle. We do have a specialist car scheme which allows us to mirror bike no claims bonus but we will need to speak to you to see if we can get you a quote on this scheme. If you would like a quote on either a car or a bike please contact our sales team on 01379 646 529, Monday to Friday 8am-8pm and Saturday 9:30am - 4:30pm.

Where are my policy documents?

If your policy has recently been taken out online we will try to contact you to check through some details and arrange the delivery of your documents. If you have not heard from us and required immediate assistance please contact us on 01379 646 529. If documents have been emailed to you please check your junk and spam folders as we often find that emails from us can be filtered into these folders. If your documents have been posted to you they are issued 1st class with the Royal Mail.

Can I email the documents you requested? E.g. licence, NCB proof, photos etc.

Documents including licences, no claims bonus proof, signed LXM loan agreement forms and photos for classic vehicles can be emailed to enquiries@lexhaminsurance.co.uk.

I asked for comprehensive/third party, fire & theft cover but my documents only state third party only?

The most common reason for this is that your policy has been set up with two insurers, one covering third party only, the other covering the rest. You should have documents for both insurers, but just one certificate of insurance. Should you have any further queries we are available on 01379 652 500, Monday to Friday 8am - 8pm and Saturdays 9:30am - 4:30pm.

How do I make a change on my policy?

All changes to current policies must be made over the phone with the policy holder present. Our customer services team are available on 01379 652 500, Monday to Friday 8am - 8pm and Saturdays 9:30am to 4:30pm.

How do I cancel my policy?

Policies can be cancelled by phone by the policy holder, or by sending us an email or letter. If you chose to pay for your policy via a loan agreement, repayable by monthly instalments then the refund is sent back to the loan company. As there is an interest charge on the loan agreement we often find that the refund is not enough to clear the outstanding balance of the loan. Under the terms of the loan agreement you are then liable to pay the outstanding amount. Should you experience any difficulties paying an outstanding balance please contact our credit control team on 01379 652 500 who would be happy to discuss your options with you and come to an affordable solution.

Do I need extra locks on my bike?

Any devices fitted to the bike (eg steering column lock) must always be used. Most insurers also require something else - typically a D-lock, disc lock, grip-lock or armoured chain. This will be specified on your schedule or in the policy wording and these must be used whenever the bike is not actually being ridden (including while in a garage).

Scooter & Moped

What’s the difference between a moped and a scooter?

A moped is a two-wheel vehicle with an engine size under 50cc and capable of no more than 28mph. If the engine is larger than this and has a step through frame and a platform for the riders feet then it is classified as a scooter.

What do you need to ride a moped?

To get started riding you will need to be 16 years old or older and have a provisional licence. To ride as a learner you will also need to complete your CBT, and to remove your L-plates you will need to take a moped or motorcycle test. (Unless you have a full UK driving licence and passed your test before 1st February 2001 , in which case you can ride a moped without L-plates already).

Classic Scooter Insurance

Which bikes are classed as classic or vintage scooters?

Classic and vintage scooters are defined as scooters that are older than 20 years, no matter what make or model the vehicle is. If you’re unsure of the age of your vehicle, or whether it would be considered a classic scooter, please get in touch.

How much does classic scooter insurance cost?

The cost of your classic scooter insurance will depend on many different factors, for example, the make and model of the vehicle you are insuring, any modifications as well as information about you, such as past convictions and no claims bonuses.

What’s the difference between standard and classic scooter insurance?

Classic scooter insurance is designed specifically for older vehicles. Therefore, we work closely with specialist Insurers for classic and vintage policies to ensure your needs are covered. We understand that your vintage bike is less likely to be used on a daily basis, which means we can offer limited mileage discounts on these policies, as well as spare parts cover and salvage retention.

What do I need to provide to get classic scooter insurance?

If you’re looking to take out an insurance policy, in addition to your personal details we’ll need to know further information, such as:

  • Your number plate
  • The make and model of your bike
  • Your annual mileage
  • How many years no claims bonus you have
  • Details of any convictions
  • Details of any accidents in the last five years
  • You’ll also need to let us know if and when you passed your Compulsory Basic Training (CBT) and what type of licence you hold. In addition to this, if you need Agreed Value Insurance, we will also need photos of the vehicle and copies of bills for parts and servicing.

Which classic scooters and mopeds do Lexham insure?

Lexham are specialists in classic and vintage scooter cover. We are able to offer policies for all types of classic scooters, from well-known brands such as Vespa and Lambretta, as well as lesser-known makes and models, including Triumph, Moto Rumi, MaicoLetta and Panther.

Motorcycle Insurance

Do you need insurance to ride a motorbike?

Yes! You must have insurance to ride your motorcycle on public roads. Whether you have a provisional or a full bike licence, we offer an insurance package that’s right for you.

What do I need to provide to get motorcycle insurance?

If you’re looking to take out an insurance policy, in addition to your personal details we’ll need to know further information, such as:

  • Your number plate
  • The make and model of your bike
  • Your annual mileage
  • How many years no claims bonus you have
  • Details of any convictions
  • Details of any accidents in the last five years
  • You’ll also need to let us know if and when you passed your Compulsory Basic Training (CBT) and what type of licence you hold.

If you have any queries regarding the above, please call us on 01379 646 529, send us a message or use our live chat.

What types of motorcycles do Lexham insure?

Motorbikes are loosely broken down into 6 main categories: street, cruiser, custom, sport, tourer, and dual sport. Our specialist broking team can help you get the best insurance, whatever type you own. We compare insurance offers from our panel of UK Insurers to find the most suitable cover for you.

If you’re looking to insure an older bike, we also offer classic motorcycle insurance.

Do Lexham offer insurance to young riders?

Yes, Lexham offers specialist insurance for young riders and provides motorbike insurance to anyone from the ages of 16 to 80 for many different uses, whether just for fun at the weekends or commuting to work or college every day; we have low-cost rates for all levels of experience.

How much does motorcycle insurance cost?

The cost of your insurance will depend on a range of different factors, such as the type of bike you own, the age of the bike and the age of the rider, to name a few. Lexham is committed to providing low-cost insurance policies on a wide range of different two-wheeled vehicles, brought to you by our panel of Insurers. We compare all our Insurers and their products to offer you the best quote available to suit your requirements.

Can I carry passengers?

You'll be asked if you require pillion use as part of the quotation. This can be included provided you have the right licence entitlement.

Can I ride abroad?

Each Insurer will have their own terms and conditions but most offer 90 days annually with a maximum of 30 days at any one time. Be sure to check your policy or ask before a trip.

Does motorcycle insurance cover bike modifications?

If your bike has been modified, you will need to let us know what these modifications are during the quotation process. At Lexham, we look for the very best deal for you from our panel of UK Insurers, and many common modifications are likely to be covered. However, we cannot guarantee we’ll be able to offer insurance. If you are unsure, please contact us for more information. Please be aware, however, that bike modifications are likely to increase your premium.

Can I ride someone else's bike using my insurance policy?

Some Insurers will offer this extension but usually check your wording carefully or call us as if it is provided there are usually terms and conditions like restrictions on the capacity. The cover is normally only Third-party Only regardless of your cover and the vehicle must always have insurance in the owner's name.

Can I add another bike to my insurance policy?

Yes. We offer competitive multi-vehicle insurance for customers who own more than one bike. For a multi-vehicle motorbike insurance policy, please call our broking team on 01379 646 529.

Electric Motorcycle Insurance

Do you need insurance to ride an electric motorcycle?

Yes. You must have insurance to ride your electric motorbike on public roads. Whether you have a provisional or a full bike licence, we offer an insurance package that’s right for you.

Why can it be difficult to get electric motorcycle insurance?

Electric motorcycles, scooters and mopeds are gaining in popularity year on year, however, the electric motorbike market is still relatively small compared to normal combustion engine bikes, so this means a lot of insurers do not offer competitive rates on electric motorcycles. Here at Lexham, we are one of the very few insurance brokers who offer highly competitive electric motorcycle, scooter and moped insurance.

Why can electric motorcycle insurance be expensive?

Many electric motorcycles are quiet which means they can be deemed more of a risk by Insurers, as they are not heard so easily compared to most petrol-powered motorcycles. Expensive batteries and a smaller market can also see some Insurers rate electric motorcycles as high risk, which then means higher insurance premiums. At Lexham we are proud to offer excellent rates on most electric mopeds, scooters and motorcycles, it is only high-performance electric sports bikes that we are unable to offer cover for. 

Why do some insurers only offer Third-party Only insurance for my electric motorcycle?

Some insurance companies only offer Third-party insurance on electric motorcycles, and not Third-party, Fire and Theft or Fully Comprehensive. This is normally because that Insurer deems that individual risk (your motorcycle insurance quotation) to be too high a risk to insure for these higher levels of insurance cover. Sometimes it can be the electric motorcycle itself which the Insurer may deem too high risk. At Lexham we can offer Fully Comprehensive, Third-party, Fire and Theft and Third-party insurance on most electric motorcycles, scooters and mopeds, though this will depend on each individual quotation. 

What types of electric motorcycle do Lexham insure?

As leaders in the electric motorbike insurance market, our specialist team can help you get the best insurance quote possible on most electric manufacturers and models in the UK, including Zero, Supersoco, NIU, Energica Cake, Artisan and many others. We compare insurance offers from our panel of UK Insurers to find the most suitable cover for you. 

How much does electric motorcycle insurance cost?

The cost of your insurance will depend on a range of different factors, such as the type of motorcycle you own, the age of the bike and the age of the rider, to name a few. Lexham is committed to providing low-cost insurance policies on a wide range of different two-wheeled vehicles, brought to you by our panel of Insurers. We compare all our Insurers and their products to offer you the best quote available to suit your requirements.

Delivery Fleet Insurance

How many bikes can you cover on a Food Delivery Insurance Policy?

Our delivery fleet insurance is not restrictive, and we are able to provide insurance cover for fleets of all sizes.

Can I pay monthly for my fleet insurance policy?

Yes, with our instalment plan, you can pay for your annual delivery fleet insurance policy on a monthly basis with a deposit payable.

Do you cover cars or vans on your food delivery insurance?

We currently only offer delivery fleet insurance for powered two-wheelers, this includes Mopeds, Scooters and Motorcycles up to 500cc in engine capacity.

Do you cover all types of Takeaway and fast-food businesses?

We are able to provide fleet insurance to all types of food and non-food businesses, this includes being able to cover parcel and grocery delivery too.

Do you only provide motorcycle fleet insurance?

We can cover a mix of powered two wheels, whether it is a fleet of mopeds, scooters, motorcycles, or a mix, our dedicated and specialist team are able to offer a truly bespoke policy to suit you.

Are you able to provide other types of insurance for my business?

Yes, we are a general insurance broker and although we specialise in two-wheel insurance we also have schemes for all types of insurance and can help with property, contents, liability, and many other types of insurance.

Are you able to provide insurance for electric moped fleets and electric motorcycle fleets?

Yes, we are able to provide specialist fleet policies for electric mopeds, scooters, and motorcycles.

Laid Up Motorcycle Insurance

Do I need my bike to be declared as SORN?

Yes, for this type of insurance policy the bike should be SORN or in process of being declared SORN.

What is covered with a Laid Up insurance policy?

A Laid Up insurance policy covers you for loss or damage as a result of fire or theft.

Does this Laid Up insurance policy cover my bike on the road?

No, this type of insurance policy does not cover your bike on the road. If you wish to use your bike on the road please see the other scooter and motorcycle insurance products we have available.

To insure my bike, do I need to be the legal owner?

Yes, we only provide cover if you are the legal owner.

My bike is modified, does this matter?

We will look at each case on an individual basis, but you must let us know of any modifications on the bike.

Do I need the correct licence for the bike I have on cover?

Yes, we do require you to have the correct licence for the bike you want covered.

Are Laid Up insurance policies all 12 months?

Yes, we can only offer 12 months Laid Up insurance policies.

Where can my I store my bike when covered with Laid Up insurance?

We ask for your bike to be kept either in a garage or outbuilding. If your bike will need to be kept on a driveway or on private land then we would consider it on an individual basis depending on the area.

Quad Bike Insurance

What do I need to legally ride a quad bike on the road?

To ride a road-legal quad bike on the road you will need to hold either a category B (full car licence) or B1 licence if it was issued before January 1997.

The vehicle must be registered with the DVLA, taxed, have a valid MOT certificate and a minimum of third-party insurance cover.

Do you need insurance to ride a quad bike on the road?

Yes. You will need to be insured to ride a quad bike on the road.

What types of quad bikes do Lexham insure?

There are a multitude of different quad bikes & ATVs available to ride on the UK's roads and at Lexham we have a specialist broking team who will discuss your requirements and will tailor an insurance quotation specially to suit your needs.

At Lexham we cover all types of Quad bikes, including Sports Quads, Leisure Quads, Utility Quad Bikes and Buggies.

Do Lexham offer insurance to young riders?

Our insurance policies cover everyone from 21 to 75.

Can I carry passengers?

Provided the vehicle is legally made to take a pillion cover can usually be provided but must always be declared and insurers often charge an additional premium for this.

Multi Bike Insurance

What types of vehicles can be covered?

We can cover all ages and types of scooters and motorcycles. We specialise in providing cover for: scooters, 125s, customs, commuters, sports and trials, A2 licence, adventure bikes.

Can I include modern and vintage bikes on the same policy?

Yes, with our exclusive multi-bike scheme we can insure classic and modern scooters and motorbikes all on the same policy. Our standard multi-bike policy can insure up to the value of £30,000 but we can look at collections of higher value.

How much does multi-bike insurance cost?

The cost of your insurance will depend on a range of different factors, such as the type of bikes you own, the age of the bikes and the age of the rider, to name a few. Lexham is committed to providing low-cost insurance policies on a wide range of different two-wheeled vehicles.

Can I carry passengers?

You'll be asked if you require pillion use as part of the quotation. This can be included provided you have the right licence entitlement.

Can I ride abroad?

Each Insurer will have their own terms and conditions but most offer 90 days annually with a maximum of 30 days at any one time. Be sure to check your policy or ask before a trip.

Does motorcycle insurance cover bike modifications?

If your bike(s) have been modified, you will need to let us know what these modifications are during the quotation process. At Lexham, we look for the very best deal for you, and many common modifications are likely to be covered. However, we cannot guarantee we’ll be able to offer insurance. If you are unsure, please contact us for more information. Please be aware, however, that bike modifications are likely to increase your premium.

Can I ride someone else's bike using my insurance policy?

Some Insurers will offer this extension but check your wording carefully or with ourselves as if it is provided there are usually terms and conditions like restrictions on the capacity. The cover is normally only Third-party Only, regardless of your cover, and the vehicle must always have insurance in the owner's name.

Trike Insurance

Can I ride a three-wheel scooter or motorcycle on a car licence in the UK?

Most three-wheelers can be ridden on a full car licence in the UK, however, this does not apply to all three-wheelers. For confirmation on the model you are looking at it is worth checking with your motorcycle dealer or manufacturer literature for licence requirements.

Do I need to wear a helmet when riding a three-wheeler?

Three-wheelers declared as a trike that can be ridden on a car licence, do not legally require a helmet to be worn when riding. However, it is strongly recommended by almost all in the motorcycle industry that you should wear a motorcycle helmet when riding a three-wheel scooter or motorcycle.

Are three-wheelers ULEZ exempt?

ULEZ exemption is based upon meeting emissions standards, this will be model specific. The best and easiest way to check is to use the Transport for London vehicle checker.

How much does three-wheel scooter insurance cost?

We offer a wide range of low-cost insurance deals brought to you by our panel of Insurers. We compare all our Insurers and their products to offer you the best quote available to suit your requirements.

Can I carry passengers with three-wheel scooter/motorcycle insurance?

You will be asked if you require pillion use as part of the quotation and this can be included provided you have the right licence entitlement.

What levels of insurance do you offer for three-wheelers?

We offer Third-party Only, Third-party, Fire and Theft, and also Fully Comprehensive insurance policies for three-wheel motorcycles and scooters.

Delivery Rider Insurance

Who needs fast food rider insurance?

Food delivery is classed as business use. Therefore, anyone who is using their vehicle to deliver food to customers will need dedicated delivery rider insurance.

Can I just use my standard bike insurance policy for food delivery?

Unfortunately not. As food delivery is business use, you will not be covered on your standard insurance policy if you have an accident while working.

Still have a question?

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