Bell Car Insurance: A Comprehensive Guide for UK Drivers

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Bell Car Insurance is part of the Admiral Group. They are known for their special car insurance that uses telematics. This type of insurance is very popular with young drivers. It helps people lower their insurance costs by using black box technology. Telematics insurance, also called black box insurance, lets drivers pay based on how safe they drive. This makes it a good choice for younger and newer drivers, who usually have to pay higher premiums.

Bell provides several car insurance policies. These are made to reward safe driving and give different kinds of coverage for personal needs. The Financial Conduct Authority (FCA) regulates these policies. This means they meet UK insurance standards.

What is Bell Black Box Insurance?

Bell's black box insurance uses a small device called the Bell Plug in your car. This device watches how you drive, such as your speed, how fast you accelerate, your braking, and how far you go. It then gives you a driving score. This score will help find out if you can get discounts or have to pay extra premium charges. By keeping an eye on safe driving, Bell helps people lower their insurance costs.

How Does the Bell Plug Work?

The Bell Plug is a device that you can easily put in your car. It keeps track of how you drive in these ways:

  • Speed Limit: This is about how often you go over the speed limit.
  • Mileage: This is the total number of miles you drive during the months of your policy.
  • Frequent Late Night Driving: Driving late at night can lower your driving score because it's a riskier time to be on the road.
  • Braking and Acceleration: How smoothly you brake and speed up can affect your driving score.

This data goes to Bell to help figure out your driving score. Drivers who have better scores get lower payments. However, bad driving reports can lead to extra charges.

Premium Reduction on Driving Score

What Types of Car Insurance Does Bell Offer?

Bell Car Insurance provides different types of coverage to fit various driving needs.

  • Third Party Only: This is the basic legal requirement in the UK. It pays for damage to other cars and property but does not cover your own vehicle.
  • Third Party, Fire, and Theft: This policy offers third-party protection and covers your car if it gets stolen or damaged by fire.
  • Comprehensive Cover: This is the best protection. It covers third-party damages and any damage to your own car, no matter who is at fault.
Percentage of Adding Optional Extras

Optional Extras Available with Bell Insurance

In addition to the basic coverage, Bell provides a few extra options to improve your policy:

  • Breakdown Cover: This helps you with roadside assistance if your vehicle breaks down.
  • Courtesy Car: You will receive a courtesy car while your vehicle is under repair.
  • Personal Injury Cover: This protects you if you face serious injury after an accident.
  • Legal Protection: It covers legal costs if you have a dispute after an accident.

These insurance policies let drivers pick the amount of protection that suits their needs and budget.

Who Can Benefit from Bell Car Insurance?

Young drivers and new drivers can really gain from Bell's telematics insurance. These drivers usually pay more for insurance because they don't have much experience. With Bell, driving safely helps them show that they are low-risk drivers. This can lead to lower renewal premiums.

Even drivers with a lot of experience can save money by keeping a good driving record. The Bell Plug helps drivers by giving them instant feedback on their driving habits. This can make driving safer over time and help cut costs.

How Does Bell Track Mileage?

Bell Car Insurance policies often have mileage limits. You agree to these limits when you sign up for the policy. The Bell Plug keeps track of how many miles you drive. If you go over the limit, you may have to pay extra in premiums.

Bell lets you keep an eye on your mileage using their customer service app or live chat. This makes it simple to monitor your driving habits and avoid any extra costs.

Get Quotes

What Happens in the Event of a Claim?

In case you need to make a claim, Bell makes it easy. You can file your claim by phone, email, or online. Here is how it works:

  • Contact Customer Service: You can report your claim by calling the special phone line or using their online portal. Bell's Welsh call centre is quick to respond.
  • Provide Different Information: You need to share details about the accident. This includes the time, place, and any other people involved.
  • Claims Process: Bell will check the damage. They will decide if your vehicle is a total loss (written off) or if it can be fixed. For smaller repairs, you might get a courtesy car while your car is being repaired.
  • Payout and Correspondence: If your car is a total loss, Bell will set up a payout based on the market value of your vehicle. They will send all details through email or other forms of correspondence.

Claims Bonus and No Claims Discount

Bell gives drivers a no claims bonus. This bonus increases each year if you don’t make a claim. Over time, it can lower your renewal premiums a lot. But if you do make a claim, your no claims bonus might change. This is unless you have claims discount protection in your policy.

Cancellation Policy and Charges

If you choose to cancel your Bell policy, be aware of possible cancellation charges. These fees may depend on how long you have had the policy and if you made any claims. Always read your policy documents for information about cancellation charges and other admin fees.

How Does Bell Handle Bad Driving?

Bell rewards good driving. But if your driving is often poor, this can lead to extra charges on your premium or even cancellation of your policy. Bad driving reports from the Bell Plug show problems like speeding often, harsh braking, or driving late at night too much. If these behaviors continue, Bell may raise your premium or not renew your policy when the year ends.

Can Bell Cancel My Policy for Bad Driving?

Yes, in serious situations, Bell can end your policy if your driving score stays low even after warnings. Bell wants to promote safe driving. If you keep breaking the rules, like going over the speed limit or driving at dangerous times, your policy could be canceled.

How Does Bell Handle Bad Driving

How Do You Get a Bell Car Insurance Quote?

To ensure you're getting the best deal on Bell Car Insurance, it's important to compare quotes from multiple providers. Rather than going directly to Bell, where you might miss out on more competitive rates, you can use our price comparison service to find the most affordable option tailored to your driving profile.

Simply provide details such as:

  • Licence Information: Indicate how long you have held your licence.
  • Mileage: Estimate the number of miles you expect to drive during the months of your policy.
  • Named Drivers: Add the details of any additional drivers you want to include on your policy.
  • Car Information: Include the make, model, and year of your vehicle.

Our comparison service will gather quotes from Bell and other insurers, ensuring you get the best price based on your needs. It’s quick, easy, and helps you avoid overpaying for your car insurance.

Does Bell Offer Car Finance Options?

Bell mainly offers car insurance. However, they are part of the Admiral Group. This group provides car finance options through different services. If you want both car insurance and current car finance options, it is a good idea to look into their related services.

Get Quotes

Frequently Asked Questions About Bell Car Insurance

Black box insurance uses a device to check how you drive. Safe drivers can pay less for their insurance.

The Bell Plug is a tool that watches how you drive. It keeps track of your speed, mileage, and braking. It then uses this information to figure out your insurance premium.

Yes, if a person has bad driving habits often, it might lead to the cancellation of their insurance policy.

Exceeding your mileage limits can lead to extra charges on your premium.

Yes, Bell provides breakdown cover as an extra option with its policies.

Yes, Bell gives a no claims bonus to drivers who don’t make any claims. This bonus can help lower your premiums over time.

Bell might charge you a fee if you cancel your policy before it ends. Please look at your policy for the exact fees.

If your car is called a total loss, Bell will give you money based on its market value.

You can reach Bell for help by using their phone number, sending an email, or chatting with them live.

Yes, you can get legal protection. It is an extra option to pay for legal costs if there is a dispute.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 18/11/2024

Page reviewed by: Shay Ramani

4000+ reviews