Bell Car Insurance

Two weeks after being insured I received a letter in the post to tell me that my postal address is incorrect (da!) so they are unable to send me the device. I called to check what device, so it turned out to be a spy device that they get paid for by me to spy on me.

I immediately told them to cancel my policy, immediately, hell no, it is not as easy as it was when I signed up. Bell: £149 for not wanting a spy device in my car that they didn't mention anything about it when I signed up. After I told them to cancel my policy. Hoory horry they sent me the spying device even though my address was supposedly wrong (according to them). So it turned out they fixed my address for £25 and charged me for posting the spy device £50 and cancellation fee £40 plus premium fees and all of this without me knowing anything about it.

I couldn't do anything about it because they already have my money and just deduct what they want.

Shame on you all in Admiral insurance for daughtering such a dirty business and shame on all of the authorities that allow such disgusting people to stay out of prisons.

I have to say, that I have a huge driving experience, drive from France to Norway, from Norway to Russia and back to France, Spain, Ukraine and so on. During all this time, never happened, what happened recently. Namely, since about one month ago I insure my care at The Bell, got by post Plug and Drive unit, plugged it on and after couple of weeks got a call from The Bell witch proposition of Breakdown cover and as I use a car only for shopping and some times to go to the sea when it's hot weather, I sad - no,I don't need it. Then happened most interesting 08/07/2018, in London was very hot nearly 40 degrees, I decided to go to Hove to swim in sea and every thing was perfect till the moment, when I decided to go home - the car is DIDN'T START, a lot of the people try to help my pushing, charging the battery... no the first time in my live car refuse to start! I call to breakdown service and even when driver from the service try to start he say it's nonsense, starter is working, car have to start. Then at home trying to understood where is a fault, so many times I try to start, that my battery was low and decided to charge battery, removing and charging at home, the next day evening to plug back and voila car is working.

I connected Plug and Drive near OBD2 port, I not affirm that Plug and Drive item damaged system of my car, but if The Bell have such cases, they have to take actions.

I purchased Bell car insurance in Apr 2017. Buying experience was good. I was told to connect the telematics device to my car so that they monitor my driving and if it is good then I would potentially get some money back/cash back/discount from what I paid them.

Fast forward 3 odd months and after receiving many gold standard driving accolades from Bell, I received a letter in Aug 2017 saying two things:

(1) Based on my driving, they estimate that I will be doing double the miles than I had estimated at the start of purchasing insurance so I have to pay XXX amount to them which they will deduct from my account directly by certain date.

2) Since my driving was good I was eligible to get moneyback/cashback/discount of YY amount of money. That YY will be adjusted against the XXX I owe them.

I asked them what if I don't do the miles they have estimated and remain at around the amount I had estimated. I was promised that I will get the full money or part money back(depending on how many miles I have driven).

Fast forward to end of year, I had done less than the miles that I had estimated so I am eligible for getting the entire XXX that Bell had taken from me. For everyone I spoke with , it seems logical but not to Bell. Bell are saying they will give me only (XXX-YY) as I never paid them YY. I said yes, I did not pay YY because that was something I earned and you had adjusted against XXX. But the staff don't seem to get it.

Staff gave me following example: You go to supermarket, buy goods worth GBP200 and the supermarket is very happy and gives you discount of GBP30. If you return all the goods then you get GBP170 back or GBP200. But I tried to explain to him that your example is not comparing apples to apples.

I told him that lets say(again in a hurry as the staff was super busy), supermarket announce to me for being a good & loyal customer we will give you GBP30 for being a good customer. I go to supermarket buy goods worth GBP200, supermarket says since we are giving you GBP30 as a good will gesture, you pay only GBP170. Now for some reason if I return everything I purchased i.e. GBP 200 worth of goods then supermarket must pay me GBP200 or GBP30? Staff tell me that it will be GBP170 and not GBP30 as I never paid GBP30. I am telling them that GBP30 was something I earned as a good and loyal customer and that money was supposed to given to me if I did not purchase for GBP200. Not sure if the staff dont understand or they are acting dumb!

If you had not estimated that I will drive those extra miles then I would have got that YY to my account in Aug 2017 itself ,unless it is a sham exercise to extract money and cheat customer.

DO NOT USE THESE PEOPLE!

No feedback on our policy (which you are promised), then get an email saying that you will be in the bottom 5% of driver's meaning your policy will be increased, or cancelled...all this after speaking to them on 3 occasions, all giving different and misleading information, and yet them reassuring us that the policy will cover our driving. Liars!

Cheapest isn't always best!

changed cars a few times with no problems always helpful as fast responding. and what I like is also they speak actual English and answer the phone quickly never waited more than 3 mins. had no surprises. and renewal I found was fairly priced.

will be staying with them hope they keep it up.payments taken on the day supposed to as paying monthly direct debit.

Extremely disappointing conversation with Bell insurance today. So much so, that I terminated my policy with immediate effect.

They contacted me in writing saying that there was some undisclosed item that had been discovered and that they would be increasing the amount I had to pay by 30 pounds.

I enquired by phone as to what this was and they said that because my wife's parked car was driven into by someone else during the night and a claim was made, it would effect my policy.

I certainly feel that this is most unfair, particularly as we both have full NCB and have this insured. I asked to terminate the policy, and as I was within the 14 day calling off period thought that there would be no charge, but they insisted that they charge a 25 pound cancellation fee. I asked for this to be waived as it was within 14 days but the operator said they they could not do that. After some conversation he agreed that in fact they 'would not' do that, rather than 'could not'.

Very poor customer service, very rude and abrupt. They are now on the 'no fly' list along with Admiral, Diamond and Elephant who are all the same group.

I am very fair minded and do not do such things lightly so I very much hope that you will take from this review just how bad I think this company is.

Please please avoid them. There are plenty of other companies to choose from. The price is pretty similar.

My Bell Motor insurance is due. I missed the 21 days notice period to set up monthly direct debits and instead which is my fault.

I got a bill for the whole policy period to pay upfront

I phoned up customer services who said I can pay in two instalments to make it easier. I then said I would phone back shortly. I phoned back 10 mins later they said i had to pay all up front and was like speaking to a brick wall repeating the policy over and over. Saying there are no notes regarding two payments.

They said they had no record of my conversation and implied I was lying - very very poor and robotic customer services.

had my policy cancelled after 3 months. Main reason was night time driving. After 2 months i was warned about it and told if i didn't improve my insurance would be cancelled. For the 3rd month i never drove at all at night and drove like an old lady. They still cancelled my insurance.

Joined the insurance group thinking its all good, cheap and cheerful. not knowing that i would just get messed around. Was told the black box would help however not knowing that there were so many hidden policies.

The 3 months plug in is a waste of time. There is no portal to check your driving they just send you a feedback which is never positive they always have a excuse why you are not a silver or gold. I belong to insurethebox before and the system was clearer.

customer service is totally rubbish with the long waiting time to the unacceptable customer service.

All in all they cancelled my policiy for a NON VALID reason wasting my time and efforts plus waste of money........ comes for cheap but the insurnace does not last as they cancel.

Bunch of time wasters.

Offered to pay off the remainder of my policy, was told it would be fine, helped themselves to the money then cancelled it immediately WITHOUT email. You never get through to an English speaker on ringing customer services ever.