Please click on a question below to see your answer.
| Quote & buy car insurance |
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| Q. How can I get a quote? |
| Q. Can I get immediate cover? |
| Q. Are my details secure over the Internet? |
| Q. How can I pay? |
| Q. What is FlexiBell? |
| Q. What's the difference between a FlexiBell policy and a Bell policy? |
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| Cover |
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| Q. Am I insured to drive someone else’s car? |
| Q. Am I covered if someone else drives my car? |
| Q. Am I insured to travel abroad? |
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| Making a claim |
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| Q. Do I need to contact the police if I have an accident involving my car? |
| Q. Do I need to contact you if I have an accident involving my car? |
| Q. What do I do if the accident was not my fault? |
| Q. What do I do if the accident was my fault? |
| Q. What should I do if my car is stolen? |
| Q. Who will repair my car? |
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| Jargon buster |
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| Q. What is my No Claims Bonus? |
| Q. What is my excess? |
| Q. What is legal expenses cover? |
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| Answers: |
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| Quote & buy car insurance |
| Q. How can I get a quote? |
| A. It’s really easy, just call 0800 118 1622 or click here for an online quote. You can save up to 10% online and if you pay by credit or debit card you could save up to an extra 10%. |
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| Q. Can I get immediate cover? |
| A. Yes. Call us and we’ll set your car insurance cover up for you or just follow the easy steps shown on the instant quote section of the website and your cover can start immediately. |
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| Q. Are my details secure over the Internet? |
| A. Yes, we use industry standard Secure Socket Layer (SSL) 128-bit encryption technology to keep your personal information and credit/debit details as secure as possible. |
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| Q. How can I pay? |
| A. We can take payment by Visa, Mastercard, American Express, Visa Debit/Delta, Maestro, Visa Electron or Solo. You can make a one off payment and save up to 10% or you could pay for your car insurance in monthly instalments, subject to eligibility. |
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| Q. What is FlexiBell? |
| A. It’s a new way to tailor your car insurance policy to suit your needs. With FlexiBell you can mix and match your policy features and extras. Save money by only choosing the features and extras you want and ensure you’ve got all of the cover you need. |
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| Q. What’s the difference between a FlexiBell policy and a Bell policy? |
A. The Bell policy is our standard policy and offers a package of cover. It’s a ready-made policy with all of the cover and protection you’d expect.
The FlexiBell policy is our flexible policy. It lets you mix and match your policy features and extras; the result is a car insurance policy that suits your individual needs.
To find out more about the difference between a Bell policy and a FlexiBell policy, see Why choose Bell for your car insurance? |
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| Cover |
| Q. Am I insured to drive someone else’s car? |
A. If you take out a Bell policy this may be included as part of your policy, subject to eligibility. If you have this cover it will be shown on your Certificate of Motor Insurance under Section 5.
If you take out a FlexiBell policy you have the option to add this facility as an extra feature, for an additional premium. This feature can be purchased as part of your FlexiBell quote - for a quote please click here or call us on 0800 952 1800. If you have this cover it will be shown on your Certificate of Motor Insurance under Section 5. |
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| Q. Am I covered if someone else drives my car? |
A. Once you are insured with Bell, only drivers named on your current Certificate of Motor Insurance are covered by Bell.
If you are a current Bell customer and would like to add a driver to your policy please call us on 0871 882 1100. Please note there may be an additional charge for making this change to your policy. Please have the following details ready when you call and one of our representatives will be happy to assess if we can add the driver.
- The named driver’s name, date of birth and occupation
- The number of years the named driver has held their licence, and their licence type.
- Details of any claims the named driver has had in the last 3 years
- Details of any motoring convictions the named driver has had in the last 5 years
Calls to 0871 numbers will be charged at 8p per minute from BT Landlines. Calls from mobiles and other networks may vary. |
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| Q. Am I insured to travel abroad? |
A. If you choose a Bell policy you will be covered for driving in other EU countries. If you choose a FlexiBell policy you can choose to add this facility as an extra.
If you are a current Bell customer with a FlexiBell policy and would like to drive your car abroad please call us on 0871 882 1100. Please note there may be an additional charge for making this change to your policy. Please have the following details ready when you call:
- Your destination country
- Dates of your travel
Calls to 0871 numbers will be charged at 8p per minute from BT Landlines. Calls from mobiles and other networks may vary. |
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| Making a claim |
| Q. Do I need to contact the police if I have an accident involving my car? |
| A. Yes, if you’ve been involved in an accident and there are injuries to another person you should report the accident to the police. |
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| Q. Do I need to contact you if I have an accident involving my car? |
A. Yes, if your car has been involved in an accident you must let us know about it as soon as possible. You can contact our claims team on 0844 543 4410 who are on hand to help you. Click here for additional contact details.
Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary. |
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| Q. What happens if the accident was not my fault? |
A. Our first priority is to get your car repaired or get your settlement to you if it's a total loss. After this, we'll try to recover our outlay from the person responsible for the accident. If we're successful, making your claim it will not affect your no claims discount.
If you have Legal expenses cover/ Motor Legal Protection we'll also help recover any uninsured costs you've incurred. |
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| Q. What happens if the accident was my fault? |
A. If you have comprehensive cover we will arrange for your vehicle to be repaired by one of our approved repairers, or inspected if it is likely to be a total loss.
Comprehensive cover on a standard Bell policy entitles you to a free courtesy car for the duration of the repairs, subject to certain exclusions. FlexiBell customers will also be entitled to a courtesy car if they have purchased Courtesy car cover.
In all cases we will handle the other driver's claim as quickly as we can. If you receive any correspondence from the other driver or their insurers please send it to us and we'll reply on your behalf. Please note any claim made against your policy may be subject to an excess. Please see your current Policy Schedule for details. |
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| Q. What should I do if my car is stolen? |
A. Report the theft to the nearest police station and obtain a crime reference number first. Then contact our Claims Team on 0844 543 4410 who will take the details from you. After this, a number of insurance industry database checks designed to protect our customers from fraud are carried out. A dedicated Claims Assessor may also be appointed to discuss the claim with you. When our enquiries have finished we'll contact you with an offer to settle your claim if we are unable to recover your stolen car.
Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary. |
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| Q. Who will repair my car? |
| A. If you take out comprehensive cover your repairs will be carried out by one of our recommended Network Repairers and guaranteed for 1 year. All repairs are carried out by recognised industry standards. All our repairers are approved and provide the highest customer service and quality of repairs for our customers. Our own engineers regularly visit the Network Repairers to ensure the highest quality standards are maintained. |
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| Jargon buster |
| Q. What is my No Claims Bonus? |
| A. For every year of claim free driving, you will earn a discount towards the cost of your renewal (to a maximum of 5 years). |
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| Q. What is my excess? |
| A. This is the amount that you contribute in the event of a claim. The voluntary excess that you choose makes up part of your excess and will be added to any compulsory excess that we might apply. You can reduce your premium by accepting higher voluntary excess. |
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| Q. What is Legal expenses cover/ Motor Legal Protection? |
| A. If you're injured in an accident that's not your fault and you've got Legal expenses cover/ Motor Legal Protection, we'll pay any reasonable legal costs to claim for compensation from the person responsible. We can also help you claim back medical expenses, the excess paid and any other costs incurred. |
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If you need more details about our car insurance policies, please see our policy booklet – Our guide to your cover
Can't find what you're looking for? Please contact us and we'll be happy to help. |
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