Bell Insurance

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Who are Bell Insurance?

Bell car insurance are a part of the Admiral Group. Admiral have more than 20 years of insurance industry experience and are based in Cardiff, Wales.

They have been featured in The Sunday Times’ list of top 100 best companies to work for every year since being established. Under the Admiral Group, other subsidiaries include Admiral, Diamond Insurance and Elephant Insurance.

Types of car insurance offered by Bell

Bell offers three different types of car cover. TPFT (third party, fire and theft), third party only, and full comprehensive car insurance. They also offer a number of optional extras including:

  • Bonus accelerator: Receive your no claims discount (NCD) in 10 months, instead of 12 months
  • Breakdown cover: Local cover, national cover or European cover
  • Legal protection: Make a claim for uninsured losses in the event of an accident that was not your fault. This covers things like personal injury, payable policy excesses, loss of earnings, or car hire expenses
  • Windscreen cover: For those that don’t have this included as standard in a comprehensive insurance policy

As a Bell Insurance customer, here are a number of standard benefits you can also expect:

  • EU cover for up to 90 days
  • Personal effects cover up to £100
  • Audio and visual cover up to £1250
  • Courtesy car (approved garages only)
  • Affordable Car Insurance

The insurer also provides bike insurance, van insurance, car warranty insurance, multi-car insurance, and travel insurance.

Black box cover

Bell is a telematics only car insurance provider, suitable for inexperienced and / or first time drivers, they offer black box insurance.

Black box insurance will allow drivers who prioritise safe driving to reduce their insurance premium. A black box is a device that collects data, it’s fitted to your car and will monitor your driving behaviour.

This may be especially useful for inexperienced or young drivers. Unlike most insurers, you only require the black box for 3 months. If you are able to prove to Bell that you are a safe driver, you may unplug and remove the black box from your vehicle.

They will rate you as either a bronze, silver or gold driver. The feedback provided by Bell Insurance can give you a further discount after this 3 month period. Here are a few different things the black box will monitor:

  • How you are accelerating
  • How you are braking
  • How you are cornering
  • Location driven from and to
  • Mileage covered
  • What time of day and night you drive

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How to contact Bell Insurance

You can contact Bell insurance by calling them on 0800 118 1619.

Telephone lines are open on weekdays from 8am to 8pm, Saturday from 9am to 5pm, and on Sunday from 9.30am to 4pm. Please remember that calls are likely to be recorded.

Alternatively, you can visit their website at:

If you would prefer to write to Bell, here’s their address:

Bell Insurance
David Street
CF10 2EH

Head office

The map below shows Bell’s head office location.

What if I wish to cancel my insurance?

Cancellation within 14 days

If you wish to cancel your policy, you must contact Bell directly. If you cancel your policy within the first 14 days after the start of a new policy, Bell will charge to cover the costs of setting up your policy and arranging for it to be cancelled.

The above will apply even if you cancel before the cover begins.

Cancellation after 14 days

If you cancel your Bell insurance policy after the 14 day cooling off period, but before it’s due to end, Bell will still charge you for setup and cancellation costs. Bell will also charge you for the period of cover used. If you have made a claim, the full yearly premium will be due.

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