I'M THE FIRST ONE to put in a good review for a good company, do it all the time, but Lexham has let me down big time considering how many times I've recommended them to friends. Bought a quote literally yesterday, circumstances changed and had to cancel it (so less than 24 hours later, well within the 14 day cooling period), Got hit with 70 quid in fees for literally less than a day's cover. On my back they've made a 7000% (LITERALLY 70X) per annum return for zero work other than pushing some keyboard keys and assuming less than a day's worth of risk. What the hell does cooling off period mean if you still get charged through the nose ???? HOW IS THIS POSSIBLY LEGAL ? If this is how they deal with an innocent less than 24h cancellation, GOD HELP YOU IF YOU NEED THEM FOR A CLAIM. You've been warned.