Manage your Bell Insurance policy

If you've insured your car with us, you might have requested that you're insured to drive someone else's car on your policy. This will show on your Certificate of Motor Insurance under Section 5, if you do have this cover.

If you’re insured with us, only drivers named on your Certificate of Motor Insurance are covered.

If you need to add a driver to your policy, please get in touch with us. You may need to pay an extra charge for making this change.Make sure you have the following details ready when you call:

• The named driver's name, date of birth and occupation
• The number of years the named driver has had 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

One of our representatives will then see if we can add the driver.

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.

The UK government has confirmed that Green Cards are no longer required to drive in:

• Countries in the European Union (EU)
• Countries in the European Economic Area (EEA)
• Andorra
• Bosnia & Herzegovina
• Serbia
• Switzerland

Bell does not supply Green Cards for any other country

A bonus accelerator policy lets you build up a no claims bonus in 10 months, if you don’t make a claim within that time.This means it’s quicker to build up your no claims bonus.

If you're injured in an accident that's not your fault, Motor Legal Protection will pay any reasonable legal costs up to £100,000 to claim compensation from the person responsible. We can also help you claim back medical expenses, the excess paid and any other costs incurred. To claim, there must be a reasonable chance of success. This is an optional add on.

Every year you drive without making a claim or having a claim made against you, earns you an additional year of no claims bonus. Your no claims bonus builds up to a maximum of 15 years.

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 a higher voluntary excess.

Yes, if you've been involved in an accident and there are injuries to another person you should report the accident to the police.

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 who are on hand to help you. Click here for our contact details.

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 will not affect your no claims discount.

Motor Legal Protection will also help recover any uninsured costs you've incurred.

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 entitles you to a courtesy car while yours is repaired at one of our approved garages.

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.

Report the theft to the nearest police station and obtain a crime reference number first. Then contact our Claims Team 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.

If you take out comprehensive cover your repairs will be carried out by one of our recommended Network Repairers and guaranteed for 5 years. All repairs are carried out to 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.