1. Lexham's CRM already had all my personal information but I had to spend some 30-mins to repeat everything. 2. There seemed to be too many 'value added' items, two of which I'm going to cancel having read the the documentation sent through: a) Excess - I would have to pay Lexham / underwriter £600 in the event of a claim which costs me a fee for this. If all the paperwork & T&C's are in order, this would then be refunded. b) Personal Accident Claim 3. It would have been nice to receive a single email with a single attachment, but instead I received multiple emails and each with PDF's, one of which contained around 11 attachments. This took me ages to pull up each pdf, read, then save in new folders on my laptop. 4. Cost to change - I was astounded that any change would cost c.£35 each. 5. The chap on the phone was polite and should be give a bottle of champagne for having to conduct this c.30-min screen for each phone call - actually two bottles! Best! McCabe b)