Pros: phone always answered quickly by a real person - no menus to wade through. Call centre staff pleasant and easy to talk to. Slightly lower premium. Lexham don't use RAC for their optional breakdown cover. Cons: staff appear inadequately trained, so can easily inadvertantly mislead and confuse. Disorganized. mistakes or complications caused by call centre take time and several layers of staff to sort out. No clear, single claims number: at least six alternatives given. No idea which is best. Legal cover included, not an optional extra. I was about to give one star, but then I remembered Carole Nash were even worse, and Lexhams are at least a step up from them. Insurance has become too complicated for the brokers, let alone the poor customers.