Agreed value cover means we agree on your scooter’s value at the start of your policy.

For most classics, values are auto-agreed within our parameters based on your bike's make, model, year and condition. For non-standard valuations (fully restored bikes, rare models, or bikes with significant modifications), our underwriter reviews the value and agrees it with you directly.

If you make a total loss claim, you'll receive the agreed amount - not a depreciated market value that doesn't account for your restoration work, time, and investment.

Salvage retention means that if your classic scooter is written off, you'll be offered both a financial settlement and the option to keep your bike's salvage.

• This is particularly important for classic owners who want to:

• Keep rare or original parts for another project

• Rebuild the bike over time

• Retain the frame and matching numbers

• Not lose components they've spent years collecting

You'll receive a settlement minus the salvage value, and you keep the remains of your bike.

Salvage retention is included as standard in our classic scooter scheme. If your bike is written off, you'll automatically be offered the option to retain the salvage.

Spare parts cover protects the additional parts and components you've accumulated for your classic scooter.

This cover is included within your agreed value (there's no separate limit). It protects things like spare panels, original badges, NOS parts, period accessories, and components you're storing for future use or ongoing restoration.

Yes. We understand that classic scooters are often modified - whether restored to original specification, tastefully upgraded, or customised.

You need to declare all modifications when getting a quote and throughout your policy. We assess each bike individually to ensure you get the right cover.

If you're in doubt about whether something counts as a modification, please ask us.

Yes. Chopped scooters (scooters with cut or heavily altered frames) are accepted as part of our classic scooter scheme.

You'll need to declare that your scooter is chopped when getting a quote, and we'll assess it individually. Chopped scooters are part of scooter culture, and our scheme has been designed with this in mind.

Yes, we can insure classic scooters undergoing restoration as well as fully roadworthy machines.

Whether you're in the middle of a ground-up rebuild or doing running restoration, we can provide cover. You'll need to declare the bike's current state and value when getting a quote.

This depends on the build. We assess custom classics on a case-by-case basis.

If you've built or heavily modified a classic scooter, call our team on 01379 646 529 to discuss your scooter and see if we can provide cover.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.