Well, I don't really know all this fuss about lexham or other cheap insurance companies. After reading all those negatives I was really afraid when I bought my insurance at lexham (had no other choice since I'm not originally from UK and they were the only ones that gave me a reasonable price lol - irony) today I had to cancel my insurance as I'm moving back to my home country and the bike is getting exported. I was reading comments regarding changing anything to do with the policy etc. And I was getting worked up on how much it is going to cost me :(( Turned out that after calling a lovely gal Terry from lexham, I was informed that my policy that is a loan agreement will just be canceled and there nothing that I owe to them, though no refund as it was month to month instalments, just my direct debit would be canceled. Thumbs up to Terry, lady with a really nice voice for being very informative. Give her a raise!