I have been with Bell for 5 years now, since I had passed my test. My first year driving I had a little bump but I would say it was 50/50 at least and I felt bell didn't fight for my side. I was constantly phoning up for updates and it took about 5-6 months to sort out. Even though it affected my no claims bonus my monthly payments were still cheaper than bell's competitors. So overall, great prices and worth it if you're not in any accidents but if you are the customer service isn't great.