Bell / FlexiBell Comparison

Kingy

Kingy

Kingy

Soldato
Joined
18 Oct 2002
Posts
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Location
Leicester
Hi all,

I'm looking at insurance for my new toy, and Bell seem to come out cheapest, but they also offer a Flexi Bell Option which is a barebones policy that allows you to pick and choose which benefits you would like to add to the policy that are included as standard in the standard policy.

The clear differences are that when flexibell is selected, Legal, Windscreen & European cover and a courtesy car, are deselected. This is fine, but adding all the options back on still leaves the quote £75 cheaper than the standard policy that includes everything.

Do I:-

Feel pleased at saving £75 from a glitch?
Run arms waving to the internet crying conspiricy and demand to know what else is missing from the cover?
 
I had three quotes from bell, all identical, and all with slightly different prices.

Phoned them up and they were just computer say XXXX on the phone. Helpful but couldnt do anything really.

So i just bought the cheapest of the three I had.
 
Give them a call?

FWIW, I have flexibell cover and had no trouble getting a green card from them when driving to the French Alps. I also had my car stolen earlier this year and they were very good about it, didn't mess me about at all. It only to one challenge to their total loss offer to get the figure I wanted :)
 
If it's still £75 cheaper then there are still differences in the cover. You'll only uncover these by downloading and comparing the two policy wordings.

The flexi contract may be missing Personal accident/personal effects/medical exp covers, perhaps cutting corners on stuff like loss of keys too, there's a lot of extra stuff in a Comp policy that costs money.

Unless of course the two contracts have exacly the same policy wordings - in which case you've just got yourself a £75 glitch.
 
If you're going with Bell, I'd also get quotes with Admiral and Elephant as they are sister companies.

My renewal quote came through the post with Bell and they wanted a silly figure, after getting a quote with Elephant it came out £200 cheaper. I rang Bell renewals and they asked for the Elephant quote reference, then matched that price. :)
 
[TW]Fox;14079040 said:
Flexi Cover also has a third party excess, btw.
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This is the difference. I went for Flexibell for the DOC cover (only policy that allowed me to add it.) thinking back it would have probably been more sensible to go with Elephant without DOC cover.
 
how much is the third party excess? I do remember reading about it, does seem odd that you have to pay them if someone else hits you ??
 
Leeum said:
I rang Bell renewals and they asked for the Elephant quote reference, then matched that price. :)
Click to expand...

Trifid said:
This is the difference. I went for Flexibell for the DOC cover (only policy that allowed me to add it.)
Click to expand...

My renewal was the same, I got 25% off the renewal quote by asking them to match Admiral, so it's definately worth getting a price match to the lowest quote of the group.

+1 with drive other cars on the 'flexi' policy, it was the only one that I could find that offered it to under-25's for a reasonable sum.
 
flexibell generally chops off a few extras that the standard policies have. Read the small print carefully.
 
Rich1988 said:
how much is the third party excess? I do remember reading about it, does seem odd that you have to pay them if someone else hits you ??
Click to expand...

That's not the case- you would claim on their insurance if it's their fault. 3rd party excess is when for instance you opened your door onto someone else's car- it may not damage your car so you may not claim for damage to your car, but they would claim on your insurance and you would still have to pay excess. On a normal policy you don't pay excess unless you claim for your car.
 
Definitely read the small print, I went for the full Bell policy. Still absolutely miles cheaper than any of the other tossers would quote me.
 
monkey_boy said:
That's not the case- you would claim on their insurance if it's their fault. 3rd party excess is when for instance you opened your door onto someone else's car- it may not damage your car so you may not claim for damage to your car, but they would claim on your insurance and you would still have to pay excess. On a normal policy you don't pay excess unless you claim for your car.
Click to expand...

I've been fighting an insurance case for 2 years because some ****** opened a door on me and then claimed I drove into it. Poor example :D
 
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