Car Insurance with a Choice of Repairer
If you’re looking for car insurance with a choice of repairer you can compare your options online today.
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If your car is damaged, you’ll want it repaired and back on the road as soon as possible. But who do you trust to fix it? Most car insurance policies will provide someone to mend your vehicle, but you might have another repairer in mind.
If you are looking for a car insurance policy that allows you to select your own repairer, you can compare your options online to find a policy that suits. Get started with a free, no-obligation quote today.
What is a choice of repairer on a car insurance policy?
When you take out car insurance, your insurer may let you choose between using your own choice of repairer or their preferred repairer to fix your vehicle in the event of an accident or damage.
‘Choice of repairer’ means you can choose the repair shop or mechanic you want to repair your car. The other option is to go with your insurance company’s ‘preferred repairer’ – a specific authorised repairer chosen by the insurer.
Many insurers will allow you to choose your own repairer, but before you sign up, you should check the policy wording to ensure this is the case and whether there are any stipulations.
How much will it cost to choose my own repairer?
There is a chance that choosing your own repairer could cost you more than using your insurer’s preferred repairer. This may be because it’s included as an optional extra on the policy and you have to pay to get it, or because repair costs quoted by your chosen repairer are higher than what the insurer thinks they should pay. However, the exact cost depends on your policy and your circumstances.
What are the differences between ‘choice of repairer’ and ‘preferred repairer’?
There are advantages and disadvantages with each option, so it’s important to compare key points to help you determine the best choice for you.
| Choice of repairer | Insurer’s preferred repairer |
|---|---|
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Subject to insurer approval, you can use a repair shop or mechanic you trust, which is especially important if you have a vehicle that requires specialist care, such as a classic car. |
As you won’t have a choice of repairer, you may end up with one that doesn’t suit you or your requirements. |
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You can choose a convenient location close to where you live, which can save time and effort when it comes to dropping off, checking on and collecting your car. |
The repair shop chosen by your insurer may be further away and tricky to reach, making it harder to coordinate collecting your vehicle. |
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You may be able to save time by using a repairer who can fix your car as soon as possible. |
Preferred repairers get a lot of work via insurers, so you may have to wait as they work through the backlog. |
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You’ll likely have to arrange the repairs yourself and negotiate the price with the repairer. |
Your insurer will already have negotiated a deal with the repairer, so you may only need to drop off your vehicle. |
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If the price you’re quoted is higher than the price your insurer has negotiated with their supplier, you may have to pay the difference. |
If you use your insurer’s preferred repairer, all costs are covered – all you’ll pay is your excess. |
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If your vehicle is poorly repaired and requires further attention, you may have to pay for any additional work out of pocket. |
Repairs are guaranteed, meaning that if there are any problems with the work done, your insurer will cover the cost. |
Are there any restrictions on the repairer I can choose on my car insurance policy?
Car insurance companies can limit your choice of repairer. Some may have a list of approved repairers to choose from, while others may have specific requirements or limitations. Generally, no repairs can be made without the insurance company’s permission, so it’s vital you inform your insurer about your chosen repairer to ensure they agree with your choice.
Your insurer may require a second quote from a repairer they’ve approved or may choose to pay a reasonable cash sum for the cost of repairs if they don’t agree with your choice, which could leave you having to pay any difference yourself. You should familiarise yourself with your policy documents to understand your insurer’s specific criteria.
Types of car insurance you can choose from
The most basic type of optional cover available, TPPD insurance can offer protection for damage caused by your vehicle to other people's property. However, no damage to your vehicle will be covered.
A step up from TPPD, TPFT insurance can also cover damage to your vehicle sustained due to a fire or theft (or attempted theft) in addition to third-party property damage if you're in an at-fault accident.
The most extensive (and expensive) form of cover, comprehensive car insurance can also offer cover for damage to your vehicle in an accident, collision and certain weather events on top of the areas TPFT covers.
What factors should I consider when choosing a repairer?
Cost
Compare the cost of repair services among different repairers. Keep in mind that the cheapest option may not always provide the best quality of work, so strike a balance between cost and value.
Location
Consider the proximity of the repairer to your home or workplace. Choosing a repairer near you can make it more convenient to drop off and pick up your vehicle, especially if it requires multiple visits.
Specialisation
Depending on the nature of the damage or specific requirements of your vehicle, you may need a repairer who specialises in the type of repairs needed, such as for classic cars. Specialised repairers generally have more expertise and experience in dealing with specific makes or models of vehicles.
Facilities and equipment
Assess the repairer's workspace. A well-equipped workshop with modern tools and technology can indicate their ability to handle a wide range of repairs efficiently and effectively.
Warranty and guarantees
Enquire about the warranty and guarantees offered by the repairer. A reputable repairer should provide a warranty on their workmanship and the parts used, ensuring peace of mind in case any issues arise after the repairs are completed.
Common questions about car insurance with a choice of repairer
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