Great claim experience. We noticed a dent in the door which must have happened overnight while our car was parked on the road side. Perpetrator unknown, without consulting Bell we went to the nearest garage which replaced it with a second hand door, we received an informal invoice handwritten on a sheet of paper with a stamp from the garage and paid in cash. Not ideal for a claim when usually they like you to know the offender, a police report, get an estimate from their trusted garages, before they give their consent and pay out. I didn't expect to be able to claim but after a few days I thought I'd give it a try and phoned Bell. They told me the common procedure which was very different from what we had done, without being patronising in the slightest. They told me what to email accross (invoice and photos of damage and repair and of garage) and said they would see what they could do. I sent that in, with an apologetic accompanying email, and received a phonecall not long after how we would like to receive the reimbursement! At the time we chose this insurer because of it's low price for the cover, and now we received first class service! No hesitation to recommend Bell.