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General

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 a competitive 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).

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, 7th, 16th or 26th 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 8:30am - 7pm 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).

Insurance Company Liquidation

Do I have to declare my policy was cancelled when getting a new quotation or policy, if my policy was cancelled due to my insurance provider entering administration?

During the quotation process, it is common practice for an insurance provider to ask if you’ve ever had an insurance policy refused, cancelled, or had terms applied. If, as a result of your current insurer being entered into administration, you’ve had your insurance policy with them cancelled you do not need to declare this during the quotation process with Lexham.

If you’d like to get an insurance quotation, please click here.

My insurance policy has been cancelled by another insurance broker due to them entering administration, what do I need to do?

We are sorry to see that your insurance policy with another insurance provider has been cancelled, we understand how frustrating and problematic it can be through no fault of your own. It is always best to follow the official guidelines communicated to you in regard to this.  Quite often it can be useful to refer to the Financial Services Compensation Scheme website for further details.

For Financial Services Compensation Scheme information regarding MCE Insurance Company please click here.

When it is time to get a new insurance policy, please make sure to get a quotation directly on Lexham Online.

Due to my insurance policy being cancelled as a result of my insurance provider going into administration, do I miss out on potential No Claims Bonus?

Here at Lexham, we understand that many customers could miss out on No Claims Discount as a result of another insurance provider entering into administration, as the policy did not run the full year.

We currently have an offer for any MCE Insurance Company customers who have 9 months or more of claim-free cover before it was cancelled (due to MCE Company Limited entering administration).  In this case, we can provide a full year’s No Claim Discount.

If you have 9 months or more of uninterrupted cover, please select a full year during the online quotation process.

We may require proof of this cover, such as your Certificate of Insurance, renewal letter, or no claims bonus proof letter.

To use this offer, please visit our Lexham Online Quotation Form.

I see you are offering Moped, Scooter and Motorcycle insurance policies to former MCE Insurance Company customers, do you offer any other products?

Yes, here at Lexham we offer many more products including the likes of Delivery Rider and Quad Insurance, if you are interested in a quote you can view all of our products here.

Following my insurance company entering administration, I am unsure what company to use for my new policy, what should I do?

We understand following the collapse of another insurance provider that many customers will be put in very awkward and frustrating circumstances and have the inconvenience of trying to find a new insurance provider, one that they can trust.

Here at Lexham, we are a leading independent UK insurance broker with over 20 years experience, with customer service at our forefront. Very importantly for peace of mind, we place policies with an A+ rated insurer.

We work directly with reviews.co.uk to invite genuine customer reviews, backed by two UK contact centres, staffed with insurance advisors on hand to help our customers.

Furthermore, we are for a limited time, offering former MCE Insurance Company customers No Claims Discount assistance which can be seen under ‘Due to my insurance policy being cancelled as a result of my insurance provider going into administration, do I miss out on potential No Claims Bonus?’

When it is time to get a quotation for a new policy we hope you are able to get a quotation directly with us.

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.  

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.

What types of scooters and mopeds do Lexham insure?

We pride ourselves on getting you a competitive insurance quote 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, make sure to get a quote direct with us!

Do Lexham offer scooter insurance for young riders?

We insure riders from 16 to 75, 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 endeavor to get you a competitive insurance quotation by comparing our panel of top UK insurers.

How much does scooter insurance cost?

The cost of scooter insurance varies greatly and depends on many factors.  During the insurance quotation process, the person requiring insurance needs to answer important questions in order for the insurer to determine the insurance cost for that person.

These important answers will give the insurers information on how much of a risk this particular insurance policy would be. Normally the higher the risk an insurance policy is deemed by an insurer, the higher the premium (insurance cost). Everything from the typical make, model, and value to where the bike is kept, annual mileage, location, and policyholder's job are just some of the aspects which all contribute to an insurance quotation. To get a true idea of scooter insurance cost for yourself, get a quote today online with Lexham Insurance!

We offer a range of moped insurance & scooter insurance deals brought to you by our Insurers. We compare Insurers and their products to offer you a competitive insurance quote to suit your requirements.

Do you offer 50cc Moped Insurance?

Yes, as two-wheel insurance specialists, we are able to provide insurance quotations on new and used 50cc mopeds and scooters, everything from premium European and Japanese models to budget Chinese machines. Our 50cc moped and scooter insurance is specifically designed to tailor around the rider's needs and is packed with important features. Want to know how much insurance would be for you? You can get a quick and easy 50cc moped insurance quote online with us today!

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 75 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 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 a suitable insurance quotation.

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.

Motorhome Insurance

Do you need insurance on a motorhome?

To drive a motorhome on the road in the UK, you are required to have an insurance policy with a minimum of Third Party Only cover.

How much is Motorhome Insurance?

Many factors contribute to an insurance premium, and it’s important to get this information correct to make sure you have the correct policy for you.

It isn’t just the model and value that can affect a policy’s premium; location, security, and driver experience are also aspects that will help build up a policy.

How much is Motorhome Insurance monthly?

We do offer the option of paying for your Motorhome Insurance policy monthly via a loan agreement, as well as in full. The price will depend on your quotation, but this will be shown or discussed during your quotation.

How much is insurance on a Class C motorhome?

This will all depend on your own details. To get a price for your Motorhome Insurance policy you can call us or get a direct quote online.

Can I get temporary Motorhome Insurance?

Currently, we only offer annual Motorhome Insurance policies.

Is there an age limit for Motorhome Insurance?

Our Motorhome Insurance scheme typically offers cover between the ages of 25 – 71 years old for each driver.

What does Motorhome Insurance cover?

Here at Lexham, we offer Third Party Fire and Theft and Fully Comprehensive Motorhome Insurance. Our Comprehensive policies also offer up to £3,500 cover for personal items*, unlimited windscreen, unlimited fixed accessories and 270 days EU cover.

*Terms & conditions apply.

Campervan Insurance

What does Campervan Insurance cover?

Here at Lexham, we offer Third Party Fire and Theft and Fully Comprehensive Campervan Insurance. Our Comprehensive policies also offer up to £3,500 for personal items*, unlimited windscreen, unlimited fixed accessories and 270 days EU cover.

*Terms & conditions apply.

Can you insure a campervan as a van?

Getting an insurance policy should always cover what you need it to, and it’s important not to under-insure as this could result in a claim being refused or reduced. 

Here at Lexham, we are able to offer insurance for van to camper conversions, as long as you are able to self-certify that the conversion will be completed to the specified standard within 90 day, please see the Self-built motorhomes and campers section which is detailed further below.

How much is Campervan Insurance?

There are various aspects that contribute to an insurance premium, and it’s important to get this information correct to ensure you have the correct policy. Information such as make, model, location, security, and driver experience are just a few of the many factors that help build a policy.

How much is converted Campervan Insurance?

There are many factors that contribute to an insurance policy and each policy is dependent on each individual and their requirements. You can get insurance with us online or over the phone.

Do you need special insurance for a campervan?

It’s important to get a Campervan Insurance policy that not only suits you and your requirements but also provides you with the right level of cover. Therefore, our policy has a variety of features and benefits to offer a campervan owners.

How does Campervan Insurance work?

Our Campervan Insurance is offered as an annual policy, with the option of paying monthly or annually.

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.

What types of delivery do you cover?

We are able to provide cover for a variety of delivery uses including, fast food, grocery, parcel, and courier.

Are you able to insure electric mopeds and motorcycles for delivery use?

Yes, we are able to offer insurance for electric mopeds and motorcycles whether on an individual or fleet policy.

What is Hire and Reward insurance?

Hire and Reward is the insurance term you will most likely hear when looking into Delivery Insurance, generally speaking, this is the type of use you will require in order to deliver.

Hire and Reward is actually a step up from business use and has been designed to cover vehicles for delivery use. Unfortunately, business use would not be suitable for delivery as is more restrictive, and therefore likely to invalidate your insurance.

What is food delivery insurance?

Our Delivery Rider Insurance policy is designed to offer insurance cover to those offering delivery services on their moped, scooter or motorcycle. This includes fast food, grocery, courier and parcel delivery. We are able to provide insurance for individuals or fleets.

What insurance do I need to deliver takeaways?

It is important to have insurance that covers you for delivery use. Quite often this will be advertised separately as ‘Delivery Rider Insurance’. A standard insurance policy without delivery use is not suitable for delivery riders.

Is delivery rider insurance worth it?

Having the right level of cover is essential. Not having the right cover, could see you under insured or your insurance policy invalid. If you are delivering on your moped, scooter or motorcycle it is imperative you get the cover for this use.

How do I get Delivery Rider Insurance?

Getting a Delivery Rider insurance quotation is nice and easy. You can either get a quote online by clicking the ‘get a quote’ button or alternatively, one of our advisors will be able to provide you an insurance quotation over the phone.

What does Delivery Rider Insurance cover?

Our delivery rider insurance is designed for the rider, providing them with insurance to cover for deliveries.

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.

Classic Motorcycle Insurance

What is Classic Motorcycle Insurance?

Classic Motorcycle Insurance is a product specifically created for classic motorcycles, best suited for vintage machines.

How old does a motorcycle have to be for Classic Insurance?

With our insurers a classic motorcycle must have been built prior to 1995.

Which classic motorcycles does Lexham insure?

Here at Lexham, we are able to offer insurance on many different classic motorcycles from vintage British manufacturers such as BSA and Norton to the great Japanese 2-strokes of the 80s and 90s.

How much does Classic Motorcycle Insurance cost?

Each insurance policy varies depending on different risk factors., When going through the quotation process, many important questions are asked in order to create a policy suited for that person.

Getting an insurance quote is nice and easy, you can either give us a call or get a quote online.

What’s the difference between standard and Classic Motorcycle Insurance?

Classic Motorcycle Insurance is designed slightly differently from normal Motorcycle Insurance. Firstly, a classic policy will only be available for classic models (defined by the Insurer). Secondly, there will be features and limitations designed for typical classic use, e.g. limited mileage and agreed value.

What do I need to provide to get Classic Motorcycle Insurance?

We’ll ask most of the typical insurance questions, but we’ll need to know further information such as vehicle, licence and experience information.

Is Classic Motorcycle Insurance cheaper? / Are older motorcycles cheaper to insure?

An insurance quotation depends on many factors, so a Classic Motorcycle Insurance policy isn’t always guaranteed to be the cheapest. Though often classic motorcycles inherently carry less risk and can be cheaper to insure than a standard policy – it’s certainly advisable to get a quote to make sure you are happy with the insurance premiums offered for the model you own or are interested in, and also make sure it covers you for everything you require of it.

Multi Bike Insurance

What types of vehicles can be covered?

We can cover most 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 competitive 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.

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 Leisure Quads & Utility Quad Bikes.

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.

Catering Van Insurance

What insurance do I need for a mobile catering van?

Our Catering Van Insurance is designed purposely for motorised catering vans. When going through a quotation directly with us, we can tailor the policy to you and your requirements.

How much is Catering Van Insurance?

Like most insurance products, Catering Van Insurance depends on many factors. Not to fear though, we have a team of advisors on hand to run through a quotation with you, simply give us a call on 01379 673888.

How much does it cost to insure a food truck?

There are many factors that contribute to an insurance policy. During the quotation process, we ask important questions, so we are able to provide a policy suited for you.

How does Catering Van Insurance work?

We provide our Catering Van Insurance as an annual policy. To get a quote, simply give us a call on 01379 673888.

What does Catering Van Insurance cover?

We provide bespoke Catering Van Insurance policies so we can best tailor the policy to the individual. Our insurance cover has features such as windscreen and legal expenses.

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.

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
  • 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 most 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.

Personal Accident Cover

What is Personal Accident cover in Motor Insurance?

Personal Accident Insurance is an extra insurance policy that provides additional cover to supplement your Motor Insurance policy. Personal Accident cover, as the name suggests, provides valuable benefits if you are seriously injured in any non-work related road incident.

How much is Personal Accident cover?

Our Personal Accident cover starts from just £54 a year.

How does Personal Accident Insurance work?

Personal Accident cover is an additional insurance policy to supplement your motor insurance policy. It provides valuable benefits if you are seriously injured in any non-work related road incident, whether as a driver, passenger or a pedestrian.

Is Personal Accident cover mandatory?

No, Personal Accident isn’t required. However, many people wish to have cover should the worst happen and they have an accident in order to provide extra cover financially.

What does Personal Accident Insurance cover?

Our Personal Accident covers you for any non-work-related road accident, whether you are a driver or passenger, anywhere in the EU.

How important is Personal Accident cover?

Personal Accident cover is a policy designed to help those who have been involved in an accident, with pay-outs of up to £20,000 to help the policyholder with what could be a tough time financially.

Is Personal Accident Insurance necessary?

Personal Accident is not required – it’s an optional extra for those that wish to have extra cover in the event of an accident.

Is Personal Accident cover the same as personal injury cover?

Our Personal Accident cover is designed to assist those who have sustained an injury in a motor vehicle accident.

Car Insurance for Motorcyclists

Does my Car Insurance cover me on a motorcycle?

No, you will need to have a separate insurance policy for your motorcycle. Our Car Insurance for motorcyclists product uses motorcycle experience on a car policy to offer a discount.

Is Motorcycle Insurance different from Car Insurance?

An insurance policy is unique in that it’s tailored to the individual and their vehicle. That’s why the quotation process and questions asked are so important to gather the right information and provide an accurate policy.

There are many of the same questions and information required for a motorcycle as a Car Insurance policy. Fundamentally, they are still the same levels of cover – Third Party Only, Third Party Fire and Theft and Comprehensive.

Do you have to declare motorbike accidents on Car Insurance?

It’s important to declare all information. During the quotation process, an insurer will ask for any recent accidents or claims on any vehicle. This can vary but many ask for any within the last 5 years.

Can I use a motorbike no claims for Car Insurance?

Our Car Insurance for Motorcyclists has been designed to use motorcycle no claims experience as a discount.

Can I get car insurance from Lexham if my bike insurance has already started?

To talk through this and your scenario, it’s always best to speak to one of our specialists, so, make sure to give us a call.

Learner Driver Insurance

What is Learner Driver Insurance?

This is an insurance policy targeting new and young drivers and offers a short-term policy to cover them whilst learning to drive. Our cover can range from 7 days to 24 weeks.

How much is Learner Driver Insurance?

There are many factors that contribute to a Learner Driver Car Insurance policy, so, it’s important to get an individual quote that suits you and your requirements. At Lexham you can get a Learner Driver Car Insurance quote online or over the phone.

How do I get Learner Driver Insurance?

Getting such a quote is nice and easy, you can either get a quote online or give us a call.

How do I add a learner driver to my insurance?

Our Learner Driver Car Insurance is a separate product, to get a quote give us a call or click the ‘get a quote’ button.

How does Learner Driver Insurance work?

Learner Driver Car Insurance covers you while you are learning to drive, we offer it as a short-term policy ranging from 7 days to 24 weeks.

What does Learner Driver Insurance typically cover?

It covers the policyholder while they are learning to drive. The same levels of cover are available as with other typical motor insurance – Third Party Only, Third Party Fire and Theft and Comprehensive.

What is the eligibility criteria for Learner Driver Insurance?

This differs depending on the insurer. Give us a call so that we can discuss your options.

How long does Learner Driver Insurance last?

We can offer flexible Learner Driver Insurance, covering from 7 days to 24 weeks.

Does Learner Driver Insurance cover me for my driving test?

This differs depending on the insurer. Give us a call so that we can discuss your options.

Can I get Learner Driver Insurance on my own car?

Yes, we can offer cover on your own car, or cover a friend or family member’s car.

Ice Cream Van Insurance

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.

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.

Motor Trade Insurance

What is Motor Trade Insurance?

Our Motor Trade Insurance product is designed to provide cover for motorcycle dealerships in the UK.

Do I need Motor Trade Insurance?

If you are a motor trader, it’s important to have the right level of cover for your business. There are many aspects to a Motor Trade Insurance policy and there are a variety of additions that can be added to a policy in order to give you the cover needed. We have specialist Business Development Managers on hand to talk through the process and get you a quotation to suit your needs.

How much is Motor Trade Insurance?

There is no set price for a Motor Trade Insurance policy. During the quotation process there are important questions that will help build up a quotation. Based on this information, we will provide you with a bespoke insurance quotation to suit you and your business.

How do I get Motor Trade Insurance?

First step is to give us a call on 01379 646506 and a member of the team will be able to take the details for the quotation.

What does Motor Trade Insurance cover?

Motor Trade Insurance is a product designed for motorcycle dealerships and has many options available to give you the cover needed. We have a large array of cover including buildings, public and employers liability, defective workmanship, stock, tools and equipment, money, goods in transit and business interruption.

How does Motor Trade Insurance work?

Our Motor Trade Insurance is available as an annual policy; we also offer bespoke and tailored quotations based on your requirements.

Is Motor Trade Insurance mandatory?

When running a business, there are certain levels of insurance that are mandatory. With our Motor Trade Insurance quotations, our specialists will talk through all the features and options available to you.

Who is covered to drive on a Motor Trade policy?

Drivers and riders will be discussed during the quotation process. Should this change at a later stage it’s always important to update these records with your insurance provider.

Are there restrictions on vehicles that can be covered?

Any restrictions will be discussed during the quotations process.

How do you qualify for Motor Trade Insurance?

From one-man operations to multi-outlet businesses, our policies are designed for those specifically in the motorcycle motor trade.

Motorcycle Training School

Are both the instructor and student bikes insured?

Yes, with our Training School Insurance policies we are able to provide cover for both instructor and student bikes.

What is Motorcycle Training School Insurance?

This is a specialist scheme designed for motorcycle training schools. It has been purposely designed to provide bespoke cover to training schools with the appropriate levels of cover.

What level of Public Liability Insurance do I get?

As there are different levels available and in order to get you the right level of cover, levels of liability are discussed during the quotation process.

What level of Employer’s Liability Insurance do I get?

To get suitable insurance cover, when getting a quotation, our advisors will be able to discuss employer’s liability options.

What level of Professional Indemnity Insurance do I get?

When getting a Motor Trade Insurance quote, professional indemnity is an important topic, so, during your quotation one of our specialists will be able to discuss this with you.

Excess Protection

What is Excess Protection Insurance?

With a Motor Insurance policy, there will often be an excess. The excess is the amount of money you’d have to pay in the event of a claim. Excess Protection has been designed so the excess is covered, and, in the event of a claim, your excess would be reimbursed.

Why do I need Excess Protection Insurance?

Excess Protection cover is an optional extra and not mandatory. As excesses can be quite costly, many people wish to have extra cover should they have to make a claim. This allows them to be reimbursed the cost of the excess, potentially saving themselves hundreds of pounds.

How does Excess Protection insurance work?

Excess Protection is an additional product and works in conjunction with your Motor Insurance policy. It covers the cost of your excess in the event of a claim, so, if the worst were to happen, your excess will be reimbursed.

Is Excess Protection Insurance worth it?

Taking out excess protection is a personal preference. The thought of potentially having to pay-out hundreds of pounds on an excess can be quite daunting and many people wish to have the peace of mind, so, this is why excess protection is a popular extra.

Is Excess Protection mandatory?

No, Excess Protection is not mandatory. When you have a motor policy with us, it’s an optional extra.

Breakdown Cover

Is Breakdown Cover worth having?

Having a Breakdown policy is a personal choice. Breakdown callouts without cover can be quite costly, so many people opt to have Breakdown Cover as it can coverc them in the event of a breakdown.

Can you get Motorcycle Breakdown Cover?

Yes, we offer breakdown cover for mopeds, scooters and motorcycles.

What's the difference between Bike and Car Breakdown cover?

Motorcycle Breakdown Cover means that you will get a breakdown service designed for motorcyclists, so you will have a mechanic and the tools best suited for the job.

How much is Breakdown Cover?

Our breakdown cover costs £60 a year.

What is Breakdown Cover?

Breakdown Cover, as the name suggests, covers when your vehicle has a mechanical breakdown and requires assistance. Our cover includes home start and roadside assistance and recovery.

How does Breakdown Cover work?

When you take out a breakdown policy you simply call the breakdown phone number, in the event of a breakdown, and the operator will talk through the details.

What is excess on Breakdown Cover?

There is no excess on Breakdown Cover. The policy currently costs £60 a year.

What does Breakdown Cover include?

For total peace of mind, our Breakdown Cover includes home start and roadside assistance and recovery.

Helmet and Leathers Insurance

What is Helmet and Leathers Insurance?

As the name suggests Helmet and Leathers Insurance covers your motorcycle clothing. So, should they be damaged in the event of a road traffic accident and you need to replace them, this covers up to £1000.

Is Helmet and Leathers Insurance standard on bike policies?

No, our Helmet and Leathers Insurance is available as an optional extra.

How does Helmet and Leathers Insurance work?

In the event of an accident, our Helmet and Leathers Insurance covers up to the value of £1000.

What does Helmet and Leathers Insurance include?

Helmet and Leathers Insurance covers the cost of your motorcycle protective clothing up to the value of £1000 if damaged in a road traffic accident.

Is Helmet and Leathers Insurance worth it?

In the event of an accident, the thought of having to replace expensive motorcycle gear can be quite worrying, so, many people opt for Helmet and Leathers Insurance to provide total peace of mind.

Electric Van Insurance

What is e-van insurance?

The term e-van is actually just an abbreviation of the term ‘electric van’, so it is simply just another name and popular term for this type of vehicle. Our insurance for an e-van or electric van is an annual commercial vehicle insurance policy designed with plenty of features and benefits!

Is e-van insurance different from Electric Van Insurance?

Simply put no, the term e-van is just an abbreviation of the term Electric Van, so, whether you class it as an e-van or electric van our electric van insurance policies are designed for the same types of vehicles.

I have an Electric Commercial Vehicle that isn’t a van, do you insure these as well?

Our Electric Van Insurance product does cater for many different types of electric commercial vehicles as well as vans. To get a quote click the get a quote button or give us a call.

Are Electric Vans cheaper to insure?

There are many factors that influence an insurance quotation, from vehicle model, use, location, driver experience, amongst many others there really are many contributing aspects to an insurance quote. When it comes to electric vans, we are one of few UK insurance providers who have a bespoke scheme deliberately designed to offer competitive insurance rates on electric vans and electric commercial vehicles.

Can you cover Hybrid vans and commercial vehicles?

Yes, as a part of our Electric Van Insurance scheme we are able to provide insurance cover for most hybrid commercial vehicles.

Do you have to pay insurance on electric vans?

To drive an electric van on UK roads, you legally need to have at least Third-Party Insurance cover.

How do I get electric van insurance?

Getting electric van or electric commercial vehicle insurance with us at Lexham is easy. You can either get a quote online by clicking the ‘Get a Quote’ Button or giving us a call.

How does electric van insurance work?

Our Electric van insurance works like a standard annual commercial vehicle insurance policy. We are able to provide quotations online or over the phone. Full details will be taken during the quotation process and our staff are trained to provide all the assistance you might require. Our scheme has been designed purely for electric and hybrid vans and commercial vehicles, we can insure a huge variety of electric vehicles up to 3.5 tonnes providing cover for carriage of goods, with many other benefits too.

Can you insure the battery on an electric car or van?

This will all depend on the type of insurance policy you set up and the level of cover you choose. For example, most comprehensive electric commercial vehicle insurance policies will include cover for the battery as standard, but it is always important to check this with your chosen insurer.

What does electric van insurance cover?

During the quotation process, numerous important questions are asked in order to provide you with the most suitable level of cover for you.

We are able to insure electric vans and commercial vehicles up to 3.5tonnes. We also have it packed with great benefits and features too including the likes of carriage of own goods cover, unlimited windscreen repair/replacement*, courtesy vehicle cover, and new vehicle replacement*.

*Terms & Conditions apply.

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).

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, and there has seemingly been a slow uptake in insurers wanting to provide competitive rates on electric motorcycles. Here at Lexham, we are proud to offer insurance on most electric motorcycles and mopeds in the UK.

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 offer insurance cover 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 team can help you get an insurance quotation 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.

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.

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 competitive insurance deals brought to you by our panel of Insurers. We compare all our Insurers and their products to offer you a competitive quote 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.

Yamaha Motorcycle and Scooter FAQs

Where are Yamaha bikes made?

The Yamaha motorcycle group has a collection of manufacturing bases all over the world, with many of the factories primarily located across Asia.

What does the Yamaha symbol stand for?

The Yamaha logo is made up of three turning forks, representing the cooperative relationship that links the three pillars at the core of Yamaha’s company - technology, production, and sales.

What is Yamaha famous for?

In terms of motorcycles, Yamaha is famously known for being a two-wheeler manufacturer. However, it is not only motorcycles that Yamaha have produced, they are also an extremely strong competitor in keyboard and piano production!

What is Yamaha's best-selling motorcycle?

At the time of writing, Yamaha’s bestselling motorcycle happens to be the MT-07!

Is Yamaha a good Motorcycle brand?

You’ll be pleased to know the answer is yes. Yamaha, alongside Honda, has been named as one of the most reliable motorcycle brands out there on the market today.

Yamaha Motorcycle and Scooter Insurance FAQs

Do you need insurance to ride a Yamaha Motorcycle?

The answer is yes. It must be insured if you intend to ride your Yamaha motorcycle or scooter on UK public roads. Regardless of whether you have a provisional license or a complete bike license, we can offer a package that is right for you.

How much does Yamaha Insurance cost?

The cost of your Yamaha insurance policy will be dependent on a few different factors such as the type of bike, the age of the bike, as well as the location in which you store it overnight to name a few.

Thankfully here at Lexham, we are committed to trying to find you competitive insurance quotes on a wide range of different two-wheeled vehicles.

What types of Yamaha Motorcycles do you insure?

There are 6 main categories of motorcycles: street, cruiser, custom, sport, tourer, and dual sport. Whatever type of bike you own, our specialised team with try and help you find the best insurance quotation possible to suit both you and your motorcycle.

If you have an older Yamaha you wish to insure, we here at Lexham can provide you with classic motorcycle insurance.

What levels of insurance coverage are there for a Yamaha Scooter or Motorcycle?

There are three levels of insurance coverage we here at Lexham can provide for you for your Yamaha. These include:

  • Third-Party only
  • Third Party, Theft, and Fire
  • Comprehensive

How can I get an insurance quote on my Yamaha motorcycle or scooter?

There are two ways you can get a quotation from us. You can either get a quote online through our online quotation system or call us to get a quote from one of our specialist staff based in the UK.

Vespa Scooter FAQs

Who is Vespa owned by?

The Italian scooter manufacturer Vespa is owned by the Piaggio Group and is one of seven manufacturers owned today by Piaggio. Other renowned manufacturers who are also part of the Piaggio group include Moto Guzzi, Aprilia, and Gilera to name a few.

Are Vespas still made in Italy?

Vespas have been manufactured at the Piaggio plant in Pontedera, in Tuscany, Italy uninterrupted since 1946.

How fast do Vespas go?

The top speed of a Vespa is dependent on its engine size and weight. The 50cc Vespa scooters can reach speeds of up to 30mph, whereas the 300cc scooters can go up to 80mph.

Can two people ride on a Vespa?

The answer is yes, most Vespa scooters are designed for two people to ride on at one time, though this will naturally depend on licence and insurance etc.

Are Vespas good for beginners?

Vespas are a great first machine for beginners. They make an ideal scooter for urban commuting and can easily run alongside bigger engine machines too.

Vespa Scooter Insurance FAQs

Do you need insurance to ride a Vespa?

The answer is yes. In order to ride your Vespa on UK public roads, it must be insured. Whether you have a provisional license or a full bike license, we can offer a package that is right for you.

How much does Vespa Insurance cost?

The cost of your Vespa Insurance will be dependent on a few factors such as the type of bike you own, the age of the bike, as well as your location and occupation to name a few.

Thankfully we here at Lexham we are committed to trying to find you competitive insurance policies on a wide range of different two-wheeled vehicles.

What levels of insurance cover are there for a Vespa scooter?

There are three levels of insurance coverage Lexham can provide for you and your Vespa, these include:

  • Third-Party only
  • Third-Party, Theft, and Fire
  • Comprehensive

Can I carry passengers on my Vespa?

When submitting your quotation, you will be asked if you require a pillion use as part of the policy. This can be included, providing you have the correct licence to do so.

How can I make my Vespa insurance cheaper?

Fitting the correct security equipment to your motorcycle or scooter such as an alarm, can in fact save you money on your insurance policy. To find out more check out our how can I save money on my motorcycle insurance article.

Piaggio Motorcycle and Scooter FAQs

Where are Piaggio Motorcycles made?

Piaggio has many factories across the world, in locations such as India, Vietnam, China, America, and Indonesia.

However, the majority of their motorcycles and scooters are still produced at their original headquarters in Pontedera, Italy.

Are Piaggio and Vespa the same company?

Vespa is an Italian brand of scooters owned and manufactured by the Piaggio group.

What brands does Piaggio own?

The Piaggio group owns a few other manufacturers, producing a range of two-wheeled motor vehicles under the seven brands: Piaggio, Vespa, Gilera, Aprilia, Moto Guzzi, Derbi, and Scarabeo.

Does Piaggio produce motorcycles?

The Piaggio Group produces a wide range of both motorcycles and scooters, commonly these can be found with Piaggio Group brands such as Aprilia and Moto Guzzi.

Today, the Piaggio Group now produces three-wheelers, scooters, and motorcycles ranging from 50cc to 1,000cc plus.

Are Piaggio scooters reliable?

Piaggio has sold over 16 million units worldwide since 1946, developing a reputation for being both durable and reliable. It is always best to consult owner forums or reviews to find out the reliability of particular models.

Piaggio Motorcycle and Scooter Insurance FAQs

Do you need insurance to ride a Piaggio scooter?

Yes! In order to ride your Piaggio on public roads in the UK, you must have insurance - regardless of whether you have a provisional or full bike licence.

How much does Piaggio Insurance cost?

The cost of your Piaggio insurance will be dependent on a few different factors such as (but not limited to) the type of bike you own, the age of the bike, licence type, use, and the age of the rider.

What levels of insurance cover are there for a Piaggio Scooter or Motorcycle?

There are three levels of insurance coverage we here at Lexham can provide for you. These are:

  • Third-Party only
  • Third-Party, Fire and Theft
  • Comprehensive

How can I get cheaper insurance on my Piaggio?

Fitting the correct security equipment to your scooter such as an alarm, can potentially save you money on your insurance policy. As well as storing it in a garage. To find out more check out our how can I save money on my motorcycle insurance article.

Why should I choose Lexham to insure my Piaggio?

Here at Lexham, we have several exclusive insurance schemes backed up by a specialist UK insurance team to assist you with getting an insurance quotation.

Peugeot Motorcycles and Scooters FAQs

Who makes Peugeot scooters?

Peugeot Motorcycles are a French manufacturer that famously produces mopeds, scooters, three-wheelers and has recently started to produce motorcycles again.

Where are Peugeot scooters made?

Peugeot Motorcycles operates out of two production sites, one being in Mandeure, France, and the other in Jinan, China.

Is Peugeot owned by Mahindra?

Peugeot motorcycles are owned by the Indian vehicle manufacturer Mahindra after they purchased the brand in 2019. Mahindra has ambitious goals for the Peugeot brand with seven new model releases in the past two years, including their first ever motorcycle the PM-01!

How fast does a Peugeot Speedfight 50cc go?

The Speedfight was originally launched in the 2000s, equipped with a two-stroke 50cc engine that can (unrestricted) reach speeds of over 40mph.

Peugeot Motorcycles and Scooter Insurance FAQs

Do you need insurance to ride a Peugeot Scooter?

The answer is yes. In order to ride your new or used Peugeot scooter on UK public roads, it must be insured. Regardless of whether you have a provisional licence or a full bike licence, we can offer a package that is right for you.

What types of Peugeot bikes do you insure?

We here at Lexham can insure most of the Peugeot range including the PM-01, mopeds, scooters, and three-wheelers.

What levels of insurance cover are there for a Peugeot Scooter?

There are three levels of insurance coverage we here at Lexham can provide for you and your Peugeot scooter. These include:

  • Third-Party only
  • Third-Party, Fire and Theft
  • Comprehensive

How much does Peugeot Insurance cost?

The cost of your Peugeot insurance will be dependent on a few different factors such as the type of bike, the age of the bike, as well as the location in which you store it overnight to name a few.

Thankfully we here at Lexham we are committed to trying to find you competitive insurance quotes on a wide range of different two-wheeled vehicles.

How can I get an insurance quote on my Peugeot scooter?

You can either submit a form through our online quotation system that will send a quote directly to your email address or call us to get a quote from one of our specialist staff based in the UK.

Moto Guzzi Motorcycle FAQs

Is Moto Guzzi still made in Italy?

Despite being owned by the Piaggio group, Moto Guzzi still remains an independent brand identity, meaning that all Moto Guzzi motorcycles are still manufactured in Mandello Del Lario, Italy at the original factory.

What is so special about Moto Guzzi?

The Moto Guzzi name is incredibly well known for its unique horizontal V-Twin engine that was first designed in the early ’60s causing a stir on the motorcycle scene - this engine then went on to be used on Italian police bikes and adapted for the 1971 edition of the Moto Guzzi V7 Sport.

What happened to Moto Guzzi?

After the founders passed away, funding began to evaporate which led to many different ownership changes. This was until 2004 though when the Piaggio Group bought out Moto Guzzi.

Are Moto Guzzi Motorcycles handmade?

Moto Guzzi motorcycles have been hand-built in the Mandello Del Lario factory since 1921. At a full working capacity, Moto Guzzi can build around 65 hand-built motorcycles per day.

Moto Guzzi Motorcycle Insurance FAQs

Do you need insurance to ride a Moto Guzzi motorbike?

Yes! In order to ride your Moto Guzzi on public roads, you must have insurance. Regardless of whether you have a provisional or full bike licence, Lexham can offer an insurance package for you!

What types of Moto Guzzi Motorcycles do you insure?

There are 6 main categories of motorcycles: street, cruiser, custom, sport, tourer, and dual sport. Our team will try to find you the best insurance for whatever type of bike you own.

However, if you have an older Moto Guzzi you wish to insure, we here at Lexham can provide you with classic motorcycle insurance!

What levels of insurance cover are there for a Moto Guzzi Motorcycle?

There are three levels of insurance coverage we here at Lexham can provide for you. These are:

  • Third-Party only
  • Third-Party, Theft, and Fire
  • Comprehensive

Is Moto Guzzi motorcycle insurance expensive?

The cost of your Moto Guzzi Insurance will be dependent on a few factors such as the type of bike you own, the age of the bike, as well as the location where you live and your occupation.

However, there are a few ways in which you can try and save yourself some money on your insurance policy such as fitting an alarm or storing it in a secured garage or shed whenever possible.

Why should I choose Lexham to insure my Moto Guzzi motorcycle?

Lexham have been committed to providing insurance policies on motorcycles for the last 22 years, allowing us to provide our customers with several exclusive insurance schemes backed up by a specialist UK insurance team to help you in any way they can to get the correct coverage for both you and your motorcycle.

Aprilia Motorcycle and Scooter FAQs

Where are Aprilia Motorcycles made?

Historically, Aprilia Motorcycles were exclusively made in Noale, Italy. However, this was until Aprilia became part of the Piaggio Group, in which Piaggio took some of the most popular motorcycles from the range and took its production further abroad to countries such as China, India, and Vietnam.

Who is Aprilia owned by and who makes the bikes?

Aprilia has been part of the Piaggio Group since 2004, becoming one of the seven manufacturers owned by Piaggio the 4th largest motorcycle manufacturer in the world.

What type of bikes does Aprilia sell?

Famous for its gorgeous Italian designs, Aprilia specialises in sports bikes, naked bikes, and scooters.

Is Aprilia a good motorcycle brand?

Aprilia is an Italian manufacturer with a great heritage and reputation for their gorgeous motorcycles with sporty performance, design, and build. 

Aprilia Motorcycle Insurance FAQs

How much does Aprilia Insurance cost?

The cost of your Aprilia Insurance will be dependent on a few factors such as the type of bike you own, the age of the bike, as well as your location and occupation to name a few.

Thankfully we here at Lexham we are committed to trying to find you competitive insurance policies on a wide range of different two-wheeled vehicles.

What types of Aprilia Motorcycles and scooters do you insure?

There are 6 main categories of motorcycles: street, cruiser, custom, sport, tourer, and dual sport. Our team will try to find you the best insurance for whatever type of bike you own, comparing all offers from our UK Insurer panel to find the most suitable cover for you.

However, if you are looking to insure an older Aprilia bike, we also offer classic motorcycle insurance.

Do you need insurance to ride an Aprilia Motorcycle or Scooter?

The answer is yes. In order to ride your Aprilia motorcycle or scooter on UK public roads, it must be insured. Whether you have a provisional license or a full bike license, we can offer a package that is right for you.

What levels of insurance coverage are there for an Aprilia Scooter or Motorcycle?

There are three levels of insurance coverage we can offer you for your Aprilia bike here at Lexham, these include:

  • Third-Party only
  • Third-Party, Fire and Theft
  • Comprehensive

How can I get cheaper insurance on my Aprilia?

Fitting the correct security equipment to your motorcycle or scooter such as an alarm, can in fact save you money on your insurance policy. To find out more check out our how can I save money on my motorcycle insurance article.

Why should I choose Lexham to insure my Aprilia motorcycle?

Lexham have several exclusive insurance schemes backed up by a specialist UK team to help you in any way they can to get the correct coverage for both you and your motorcycle.

Still have a question?

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