Bell car insurance

Learn more about Bell car insurance

Bell car insurance logo

Last reviewed 18 August 2022

Why choose Bell car insurance?

  • You can get immediate cover
  • No mileage restrictions or curfews on black box policies
  • European cover for up to 90 days

There’s lots of black box car cover out there but Bell’s car cover offer has a few on-the-road tricks to keep you safe and your premium down. Firstly, there’s no mileage restrictions or curfews on black box policies. There’s also no complex hardware to install in your car’s engine. Your Bell black box comes in the post and its mini adapter plugs into your car’s 12v socket, or cigarette lighter as it’s more commonly known.

The lack of under-bonnet fuss means there’s no hardware to pull out if you switch cars or policies in future. Some companies charge a fee to install and take out black boxes – and these fees can rack up.

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Who is Bell?

Bell is part of Cardiff-based Admiral Group so there’s some big hitting financial muscle behind it. Admiral Group has also been featured regularly in the Sunday Times' Top 100 Best Companies to Work For. This includes recognition of its work around diversity issues and charity giving.

Admiral’s also notched up Best Car Insurance Provider in the Personal Finance Awards for the last nine years in a row. This major insurance player also controls several other brands including Elephant, Diamond and Veygo. Essentially, they’re all the same company but work in different protection niches. Bell itself was originally called Bell Direct.

Bell’s business brand has always focused on those with little driving history or zero no-claims bonus. In the past some insurance companies targeted ‘higher risk’ younger drivers. The arrival of telematics makes this easier for both big and small players.

Bell isn’t just about younger drivers. A black box driving policy might fit those who need a car but don’t drive much. Or those with a bit of a chequered driving history. As always, the onus is on the driver to show they’re a good risk – and are happy to prove it.

Bell black box policy details

Bell gives you online updates on how your driving’s going. This includes guidance and tips on your driving style. If you up your game over the year many clients see a discount come renewal time, Bell claims.

But how does it work? Well, the more you drive the more risk you’re exposed to. Drive a lot and your overall score may go down. Bell’s black box also measures where and when you drive. So if you avoid driving at night – night-time driving is riskier for all of us – your overall score can perk up.

Bell says it’s not just about where, when and how you drive. Their Plug & Drive policy measures your regular driving routes and the type of roads you tend to drive on most.

It’s also fitted with a tracker. So if your car’s stolen it stands a better chance of being recovered.

Like most telematics products, Plug & Drive puts you in complete control of what’s measured during your policy. However, if you do a lot of driving, conventional insurance policies might be a better bet.

In other words, shop around for a policy that best suits your driving needs. Bell says it doesn’t share your driving data with the police unless there’s a police inquiry or a serious incident occurs.

Bell offers immediate cover if you need it – even without their telematics device installed. Unlimited audio cover is offered but only for standard manufacturer stereo kits installed in your car.

Bell also includes European cover for up to 90 days.

Bell offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Contact Bell

You can call Bell's claims department using 0333 220 2041 weekdays 8am-8pm, Saturday 9am-4pm, Sunday 10am-4pm. If you're hit by a Bell-insured driver then call 0333 220 2050

You can also write to Bell at: Ty Admiral, David Street, Cardiff, CF10 2AA.

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