ok. im still confused. lol
You start a policy with bell on the accelarator, if you do the 10 months without claiming then either Bell, Admiral and Elephant whom are all part of the same company, EUI LTD
(you will notice all 3 of there websites are nion the same)
All 3 of these companies will accept the 10 months as "a years no claims" as it were, very few other companies will do this.
However say you do three 10 month spells with admiral elephant and Bell and get "3 years no claims" To other companies this will only really reflect as 2 years and 6 months no claims, where as you would have to wait a further 6 months to actually officialy receive 3 years no claims.
Its confusing but insurance companies wouldnt have it any other way!