Independent guide — VIP Claims is not affiliated with Bell.
How to Make a Bell Car Insurance Claim
EUI Limited (Admiral Group)
The short answer
Bell customers can report a claim online through MyAccount or by calling Bell's claims team, and windscreen or glass damage is handled separately via Autoglass. Bell is a trading name within the Admiral Group and shares its underlying claims administration and repair network arrangements with other Admiral Group motor brands.
Official Bell claim contacts
These are Bell's own contact details, published on Bell's website. They are not VIP Claims numbers.
Claim online at Bell- New or existing motor claim0333 220 2041
Official Bell contact number · Not published on the pages reviewed
Also start online via MyAccount; from abroad call the same number with +44 prefix
- Windscreen/glass repair line0333 220 2028
Official Bell contact number
New windscreen claims can also be started via the Autoglass link for Bell customers
Policy types: Bell is aimed at young, safe and first-time drivers and offers a separate add-on product claim form for Personal Injury and Hire Vehicle benefits alongside its main motor claim process.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Bell policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Bell number. VIP Claims Ltd is not affiliated with or endorsed by Bell.
Step by step
How to start a Bell claim
- 1Make sure everyone is safe
- 2Log into MyAccount to report a new claim, or call the Bell claims line
- 3For windscreen or glass damage, start a claim via the Autoglass link for Bell customers
Before you call
Information to have ready
- Policy or registration details
- Date, time and location of the incident
- Details of other parties, vehicles and any witnesses
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- A dedicated claim handler will get back to you
- You can manage or update an existing claim in MyAccount
Costs
Excess and your no-claims discount
Not itemised on the pages reviewed; check your policy schedule for excess and No Claims Bonus terms.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Bell's Motor Claims FAQ confirms that if your vehicle is repaired by an approved repairer and the damage is covered by your policy, you'll be given a courtesy vehicle once repairs start, or straight away if your vehicle isn't driveable.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Not itemised beyond the approved repairer courtesy car reference on the pages reviewed.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Bell
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Bell policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Bell number. VIP Claims Ltd is not affiliated with or endorsed by Bell.
Existing claims
Tracking an existing Bell claim
Manage an existing claim in MyAccount, message the claims team (messaging hours Mon-Fri 08:00-20:00, Sat 08:00-17:00, Sun 09:00-16:00), or call 0333 220 2041.
If something goes wrong
Complaining about a Bell claim
Not detailed on the pages reviewed for this file; see Bell's complaint information page.
Questions
Bell claims: frequently asked questions
Am I entitled to a courtesy car with Bell?+
How do I make a windscreen claim with Bell?+
Can I claim from abroad with Bell?+
Where this came from
Sources
The Bell details on this page were taken from Bell's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Bell make a claim — checked 30 August 2026
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Bell, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.