If you are a consumer (any person who is acting for purposes which are outside of your trade or profession), it is your responsibility to answer all questions honestly, fully and to the best of your knowledge, providing complete and accurate information, or your cover may not be valid. If you misrepresent or fail to disclose information about which you are asked, an insurance claim may not be covered, and your policy may be cancelled or voided from inception.

Insurers may not deal with a claim if the risk is different from what they have been told so it is important to tell us as soon as possible (preferably in advance) of any change that occurs during the year – common examples include changes in occupation or address or drivers, or modifications to the vehicle.
Before each renewal you must also inform us of any new convictions or pending charges.
You should carefully check all documents supplied to you and your responses to all questions and declarations.

If you are a commercial customer (any person who is not a consumer), you have a duty to give a fair presentation of risk to the insurer. This means that you should disclose every material circumstance relevant to the risk being insured following a reasonable search within your business to identify and verify such information. This should include information which you and where applicable your senior management, persons responsible for arranging your insurance or other relevant third parties know or ought to know and should include all information that would influence the judgement of the insurer or that would put the insurer on notice that it needs to make further enquiries.

Examples of material circumstances are:
• Special or unusual circumstances relating to the risk;
• Any particular concerns which led you to seek insurance cover for the risk; and
• Anything which those concerned with the class of insurance and field of activity in question would generally understand as being something that would be dealt with in a fair presentation of risks for this type of insurance.
The information must be presented in a way which would be reasonably clear and accessible to a prudent insurer. If you are unsure whether to disclose any information you should speak to us. You need to take into account the size & complexity of your business and allow yourself sufficient time before your renewal date to consider and / or assess your insurance requirements.

Failure to provide a ‘fair representation’ may result in a number of remedies by the insurer. If the breach was deliberate or reckless the insurer can void the contract and keep the premium. If the breach was not deliberate or reckless the insurer can void the contract, proportionately reduce a claim settlement or amend the insurance policy terms and conditions then review the merits of a claim on this basis.

You should therefore always provide complete and accurate information to us when we ask you about the insurance risks your business faces before taking out a policy, at renewal and throughout the life of the policy. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover.

If you are in any doubt, or if you have questions at any time, please contact us on 01379 652500. Our normal hours are 8:30am to 7pm weekdays and 9:30am to 4:30pm Saturdays.

Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.

If a password is used, you must treat this as confidential, and you must not disclose it to any third party. We have the right to disable any password at any time if, in our opinion, you have failed to comply with any of the provisions of these terms of use.

You are responsible for the security of the computer you use and of access to it.

This website is intended for use of UK residents only. These terms and conditions shall be governed by and interpreted in accordance with the Laws of England and Wales.

We try to ensure the information on our website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete content from the website at any time. Please note this website is for use only by individuals or businesses in relation to their own insurances. We reserve the right to take legal action against any person or company who uses our website and/or services for commercial use or in any other unauthorised manner, including (but not limited to) breach of copyright, processing multiple quotes for other customers or companies, and other organisations checking prices.

Our callback services are available during our normal opening times – you may still book one out of hours, we just won’t get back to you until the next working day. Although we will try our best to ring you at the requested slot, we cannot guarantee this (depending on call volumes, internal problems, etc). If your query is urgent, we would recommend that you contact us via another method.

If we are having any difficulties, we will contact you at the next available chance or via email, at your provided email address.

If your callback is booked for an evening slot, there is a chance that you will not receive a call from us until the next working day, again, this depends on call volumes and other scenarios.

Recommend a friend scheme

• If you’ve been a Lexham Customer for over 3 months you can ‘recommend a friend’ and earn £25 if they take out a policy with us*. If you have been with us for under 3 months you can still earn money but it will be with our old referral rate of £10 instead.
  *You will be paid the referral money once your friend's policy is 3 months old.

Asgard Storage Discount for Quads

Lexham approves Asgard Storage as the equivalent to a garage on its quad scheme and if this device is quoted over the phone when obtaining a quotation then a discount will be applied to the quote. Discounts will vary and could be 20% or more, and in some cases, it will be the difference between Lexham providing a quotation or not providing a quotation. Storage must be declared at the time of quoting, discounts cannot be applied at a later stage. These discounts are not in addition to any other overnight discounts.

All quotations are subject to Lexham’s standard acceptance criteria for the risk.

We hope you will be satisfied with our service. We endeavor to offer the highest level of service to all our customers but the occasional problem is inevitable. If this occurs then please contact us promptly (details below) and we will aim to resolve the matter as quickly as possible.

Complaints procedure

It is always best to contact us first by telephone regarding any issues, call our call centre on 01379 646 529 or via email at enquiries@lexhaminsurance.co.uk. Please allow us adequate time to resolve your issue, we aim to sort issues in 24hrs, unfortunately sometimes this is not possible but we will work to sort out the issue as quickly and efficiently as possible.

At lexhaminsurance.co.uk we use many materials throughout our site including photos, videos, graphics, and styling.

Lexham Insurance Materials

Lexham Insurance Consultants Ltd owns the copyright of the majority of materials found throughout lexhaminsurance.co.uk. None of these materials are to be copied or altered and used for commercial use without advanced consent from Lexham Insurance Consultants Ltd.

Stock Photo Materials

Lexham Insurance purchases the rights to use photos and other materials in accordance with the photographer's/publication’s specifications and licence/restrictions and every effort is made to follow their necessary requirements for using of these materials.

Journalist Materials

We do also use materials including photos and videos provided for our use from external journalists, the copyright of these materials remains solely of the journalist who provided them.

Manufacturer Photographs

Here at Lexham we also work in hand with some manufacturers who allow us to use their photos on our artwork, these photos are normally made available for dealers and press.

We use Google Analytics to support various Google features in order for us to optimise our website and our marketing. We use the anonymous data collected by Google to explore performances and trends in order to make the best experience we can for our visitors and customers.

For full details regarding how we use Google Analytics and other cookies, please read our Privacy and Cookies Policy.

Last updated 13/12/2023