Am I insured to drive someone else's car?

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.

Am I covered if someone else drives my car?

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 contact us here. 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

Am I insured to travel abroad?

Your policy covers you as described in your current Certificate of Motor Insurance for events occurring in:

• Great Britain, Northern Ireland, the Isle of Man and Channel Islands
• Any other country which is a member of the European Union
• Norway, Switzerland, Iceland and Croatia

The car is also covered while being transported by air, sea or rail between these countries.

Your policy automatically includes a International Motor Insurance Certificate (on your current Certificate of Motor Insurance) for a maximum of 30 consecutive days in any one trip, and up to a maximum of 90 days in a year.

The International Motor Insurance Certificate is only valid for the above named countries. You don't need to call us if you are taking your car to any of these countries, but you do need to take your Certificate of Motor Insurance.

If you want to drive in any country not in the list above, please call us and we may be able to issue you with a Green Card, which you'll need to take together with your Certificate of Motor Insurance. Please note, the authorities in these countries will not accept photocopies of Green Cards as evidence of minimum insurance.

If you do need a Green Card, please contact us as soon as possible to allow plenty of time for your Green Card to arrive in the post.

Validating your motor policy

Whenever you buy an insurance policy, we take steps to ensure we know the cover we are providing is right for you so we can support you when you need us, for example, if you have to make a claim and to combat any fraudulent activity. To do this, we may contact you to validate some of your details at any time after you have bought your insurance, and we hope that you'll be able to help us resolve any enquiries quickly.

Please remember it is your responsibility to check you have answered every question we ask honestly and accurately before buying your policy.

Why do we validate our Insurance policies?

By validating insurance policies, we know we are providing you the fairest price for your insurance, and that information we hold is correct. This also helps us in our continued effort to combat fraud and ensure that your policy is unaffected.

We recognize that mistakes happen, so by validating policies we ensure a genuine oversight doesn't become a problem if you need to make a claim.

How we will validate your policy details?

As an insurer we may check your details against databases available to the insurance industry, online quotations and any past or present policies within the Admiral group. We may also ask you to provide documentation to validate the information we hold.

What action will we take?

Our validations teams are here to help and make sure your policy is correct. In cases where we have to make a correction to your policy as a result of the validation process there may be an additional premium to pay as well as our administration fee. In certain cases we may be unable to continue the policy or had we known the correct information, would not have accepted the policy. In these cases the policy may be cancelled or in more serious cases declared void and of no effect since its inception.

Are there any costs involved?

If your policy is voided or cancelled please be aware charges may apply, If a change is made following a validation because of different information, we will charge an administration fee and any additional premium that may be applicable. You can find these charges on our website under existing customers, Legal information, and your agreement with EUI limited.