Bell Travel Insurance Review

Bell Travel Insurance Review

Bell Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Bell plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Our review of Bell will highlight:
  • Who are Bell and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Bell rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Bell policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Bell and who underwrites their policies?

Bell Direct Travel Insurance is a trading name of EUI Limited, part of the Admiral Group The Admiral Group own other well known brand names, such as Admiral Direct, Diamond, Elephant Confused, and Gladiator to name a few. Bell travel is arranged and administered by Rock Insurance group who specialise in white label insurance for many well known brands.

The Bell Admiral travel insurance policies are currently underwritten by MAPFRE ASSISTENCIA, who are covered under the Financial Services Compensation Scheme.

Bell Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Bell have been ranked using our star rating formula. Bell Star Ratings

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Bell.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Premier, Standard, Economy, we have rated these as follows:-

Thats Insurance Rating for Premier:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Economy:

Single Trip Travel Insurance Guide here
Bell Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 1 Backpacker Policies, they are Backpacker, we have rated these as follows:-

Thats Insurance Rating for Backpacker:

Backpacker Travel Insurance Guide here
Bell Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Economy, Standard, Premier, we have rated these as follows:-

Thats Insurance Rating for Economy:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Premier:

Bell Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Bell Travel Insurance Review

Bell's 'User Friendly' Rating

That's Insurance have reviewed 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

16 Key Points you need to know about Bell's travel policy wording

1

What is the age/classification of a child on the policy?

Children (including biological, step, adopted and foster children), are classified as those being under the age of 18, in full time education and residing with the main insured adult

2

What are the policy age limits?

The policy age limits (at the date of purchase) are as follows:

  • Single trip policies under the age of 80.
  • Annual trip policies under the age of 65.
  • Backpacker policies under the age of 46.

3

What are the policy Trip Duration limits?

You can take out a Bell single trip policy for up to 365 days (12 months), useful if you needed a longer stay abroad.

The annual multi-trip policies allows unlimited trips, provided each trip lasts no longer then 31 days.

The Backpacker policy also allows for trips up to twelve months and will cover a return visit to your home country during that time

4

What does the policy offer for Winter Sports cover?

You can include cover for Winter Sports for any of the levels of cover you have chosen. The policy allows for 15 standard winter sport activities which are automatically included, a further seven that you can add provided you pay an additional premium (example snowmobiliing). There is also a list of prohibitive pursuits. Check the policy for full details.

If you have an annual policy, wintersports can be included for up to 17 days maximum in any one policy year.

In addition to the standard covers, the wintersports extension includes cover for

Ski Equipment up to £500 (single article limit £250) economy and standard and £1000 (single article limit £500) Premier

Ski Pass £75 per day up to a maximum £300 economy, standard and £450 Premier

Piste Clousre £20 per day up to a maximum £200 economy, standard and £400 Premier

Avalanche or Landslide £20 per day up to a maximum of £200 economy, standard and £500 Premier

Ski Hire £25 per day up to a maximum of £250 economy, standard and £500 Premier.

To give you an idea of costs, a seven day trip to Austria for a 35 year old, including cover for wintersports would be £13.15 economy £15.48 standard £18.58 Premier approximately double the cost of a standard holiday.

 

5

What is classed as a family and how many people can be quoted for?

The Bell policy is open to a single individual, a couple, defined as husband or wife/common law partner, a family defined as a single parent/grandparent or two parents/grandparents and their children, or children and non related children travelling as part of a family group. (Up to ten children can be included)

Finally up to twelve individuals travelling as a group.  There is no group discount available

Dependent children may travel independently of the main insured persons, but they must be accompanied at all times by a responsible adult.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The Bell travel policy states you must obtain an EHIC card before you travel to a European country.

When travelling to Australia or New Zealand you must register for treatment under the national medicare scheme or the equivalent scheme in that country

7

What is covered under Sports and Activities on the policy?

Bell travel insurance divides sports and activities into five tables. Table A includes 76 different pursuits that are automatically covered. Tables B, C & D has smaller lists of additional activities, which if you wish to take part in, you must pay the relevant additional premium.

For example if you wanted to go Jet Skiing, or go walking above 4,000 metres, you would need to pay an additional premium and make sure the relevant table was included in your quotation. Table E lists sports and activities that are specifically excluded. Check the policy for clarification and if you are still uncertain, you can contact the company direct.

8

What are the policy Alcohol Exclusion terms?

Any claims arising directly or indirectly from your excessive alcohol intake, being under the influence of alcohol (including but not exclusively have a blood alcohol reading of more than 150 mg per 100ml), are excluded under all Bell Travel policies.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Only the premier policy includes cover for up to £3,000 in respect of Scheduled Airline Failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre existing medical conditions are excluded under the policy. It is possible to obtain cover, but you need to phone their medical screening helpline, to see if they will cover you.

The Bell definition of a pre existing medical condition is

  • Any past or current Medical Condition that has given rise to symptoms
    or  for  which  any  form  of  treatment  or  prescribed  medication, 
    medical consultation, investigation or follow up/ check-up has been
    required or received during the 2 years prior to the commencement
    of cover under the policy and/or prior to any Trip; and
  • Any cardiovascular or circulatory condition  (e.g.  heart  condition, 
    hypertension, blood  clots, raised cholesterol, stroke, aneurysm) 
    that has occurred at any time prior to the commencement of cover
    and/or Trip.

11

What are the policy rules on travelling when pregnant?

Medical Expenses cover is only payable for unforeseen events and pregnancy is not considered to be either an illness or injury. Therefore only claims relating to complications in pregnancy would be covered under the policy.

Complications during pregnancy are defined as toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency Caesarean sections/medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual work is excluded under the policy and defined as Work that is physical, including, but not limited to construction, installation, assembly and building work. If you wish to work whilst abroad and not sure if you will be covered, check directly and make sure you get any confirmation in writing.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

If you are claims for goods that were stolen or lost, you should produce proof of purchase, by way of receipts, credit card or bank statements as failure to do so may affect the assessment of any claim.

Note that any settlement will include a deduction for wear and tear, taking into account the age of the items.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Any claim in respect of terrorist activity is excluded under the policy, however this does not apply to claims for medical  emergency & repatriation and personal accident.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

All policies provide cover for similar accommodation if your existing dwelling cannot be used because of fire, flood, earthquake or storm.

However it is possible to include optional extended catastrophe cover, which includes cover against natural disasters and civil unrest and includes travel delay, missed departure and catastrophe.

16

Do I have to be a UK resident to be covered under this policy?

You must have lived in the United Kingdom for at least six months prior to taking out any travel insurance policy.

Pro's and Con's for Bell

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Bell.

  • A single trip policy can be taken out for up to 365 days
  • No online medical screening available

What Cover do Bell policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Bell and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier

    Single Trip

    Standard

    Single Trip

    Economy

    Single Trip

    Economy

    Annual

    Standard

    Annual

    Premier

    Annual

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    75

    150

    150

    75

    50

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,000

    1,000

    1,000

    2,000

    5,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    25,000

    10,000

    10,000

    25,000

    50,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,500

    2,000

    2,000

    2,500

    3,000

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    350

    200

    200

    350

    500

    350

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    350

    200

    200

    350

    500

    350

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    300

    300

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    10,000

    10,000

    25,000

    50,000

    25,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    3,000

    0

    0

    0

    0

    3,000

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    350

    350

    350

    350

    500

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    100

    50

    50

    100

    200

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    750

    500

    500

    750

    1,000

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

    300

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

    300

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,000

    1,500

    2,000

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    1,000

    750

    500

    500

    750

    1,000

    750

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Bell.

Listed below are some Sample Quotes offered by Bell (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 21

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Family

Age: 50 - 59

Trip Days: 7

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 400

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Couple

Age: 18 - 29

Trip Days: 21

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 400

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Family

Age: 30 - 39

Trip Days: 365

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

150

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 200

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Family

Age: 50 - 59

Trip Days: 365

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

150

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 200

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

150

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 200

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Worldwide

Individual

Age: 40 - 45

Trip Days: 30

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 180

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 365

Bell Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Bell

Visit Bell's Website and Get a Quotation direct

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Customer Reviews of Bell

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