Quick insurance query ; Bell ...

jam pie

jam pie

jam pie

Associate
Joined
18 Dec 2007
Posts
209
Hi guys

I'm insured with Bell and pay for DOC so that I can drive other cars.

However I need to drive a small camper van (1.6 ford, 5 seats)

Just rang Bell and the indian did not know what I was on about ... kept saying ', no sir you are not insured to drive a commercial vehicle :s ' ... I got fed up and hung up.

Anyone with Bell and been in a similar position... have been reading the documentation online, but it only says...

If your policy includes driving other cars, cover is limited to the policyholder and is restricted to Third Party only. This only covers private motor cars whilst being driven within our territorial limits. We will cover you for everything listed in clause 1a when you are driving any other car as long as:
n your current Certificate of Motor Insurance says so, and
n you hold a valid Driving Licence and are not disqualified, and
n the other car is not owned by you, a rental car, nor hired to you under a hire
purchase or leasing agreement, and
n you have the owner’s permission to drive the car, and
n you are not covered by any other insurance to drive it, and
n you still have your car, and it has not been damaged beyond repair, stolen nor sold
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By private motor cars, does that restrict.. JUST TO CARS, or is that wording intending just to make sure the vehicle is private and not commercial?

Thanks
 
It sounds as if it is saying your not insured to drive comercial vehicles of any kind, probably including company cars. So as long as its a private vehicle and you have the correct license, your good to go.
 
Depends if the camper van is a van or a car. Driving other cars is just that.. You cant drive a van using it.

Edit: For confirmation, ring bell claims (Not strictly a claims issue but if you ask im sure they can answer you - And they are all in the uk)
 
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Rich1988 said:
you can get doc for under 25s with bell? whats the age limit?
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18 years old plus, its an extra you pay for on the flexibell policy they offer


edit - just done an online quote with my dob showing me as 18 and its an optional extra at the end costing £44.95 :)
 
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The admiral group has customer service call centers in india.. All of claims is in wales, i think 50% of customer services are in india. If you ring during certain times you are almost guaranteed to get india (late night, weekends).
 
Pleh said:
Im with bell, and they will not put DOC on my policy until im over 25.
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normal policys they wont add it on free of charge until 25, you can pay to have it on a flexibell policy thou :)


the admiral group have a customer service site in india and a canada office for renewals and possibly sales to allow them to stay open til 10

claims is in newport in wales, just opened a new site for claims :)
 
it did confuse me :p it is a bit silly but its because they think younger drivers would use it for the wrong reason i believe and therefore could be a bigger risk :rolleyes:
 
oh brilliant :D 752 quid with doc on a grp 15 car at 19 :) i think ill be going with this then (also I can probably get it down further because I drive for a living and have pass plus?)
 
Rich1988 said:
oh brilliant :D 752 quid with doc on a grp 15 car at 19 :) i think ill be going with this then (also I can probably get it down further because I drive for a living and have pass plus?)
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pass plus is company based, not 100% to bring the premium down with all companies and also driving for a living means you are on the roads more which might mean you are more likely to be involved in a crash :)
 
SGWills said:
pass plus is company based, not 100% to bring the premium down with all companies and also driving for a living means you are on the roads more which might mean you are more likely to be involved in a crash :)
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but if i dont make a claim through that insurance would i still lose my no claims discount ?? because its a no claims discount through that company ?
 
Driving for a living, as in driving a van, as you do, means you have minimal mileage on the Rover, and have less time it in, making you technically less of a risk...but I don't think mileage makes much of a difference so that's kind of a mute point.

And a claim on the company's policy and not yours would only effect yours when you tell them you've been involved in an accident, but it was not in your car etc. :)

InvG
 
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