Bell is owned by the Admiral group, which is listed on the London Stock Exchange and a constituent of the FTSE 100. Admiral also owns brands such as Elephant and Diamond, as well as the comparison site Confused.com.
When you apply for a policy with Bell, it will arrange the insurance with an underwriter from its panel. So any two Bell customers may not share the same underwriter.
Bell offers drivers the chance to get lower premiums by recording their driving habits using telematics ('black box') technology. This measures things like the speed and time you're driving at, as well as recording your driving habits. Drive smoothly to 'impress' the box, as the information it records is passed to your insurer.
This can be a particularly good way to cut costs for younger drivers or other people who are in 'high risk' groups. While they normally face much higher premiums, a black box can be used to bring down future premiums by driving responsibly.