Should I elect to use my own repairer in a motor claim?

Published: 01/06/2022

Should I elect to use my own repairer in a motor claim?

Most Motor Insurance products list choice of repairer as a key policy benefit. However, what policy holders may not realise, is that choosing your own provider leads to an additional seven-day turnaround, on average. That's a significant delay, particularly if it's an important work vehicle.

In the race to capture market share, no insurer wants to be seen without "choice of repairer" listed as a policy benefit. Yet it is often just the opposite. For most clients, using the insurer's preferred repairer is the quickest way to get their vehicles back on the road. What's even more compelling is that repairs carried out by an insurer preferred provider will also typically come with a lifetime guarantee.

Key reasons to consider choosing an insurer preferred repairer

  • No Assessor Required - Many insurer approved repairers do not require an assessor as they have pre-approval to conduct majority of repairers without delay. Even those that do require approval have a streamlined process when compared with a repairer outside of the network.
  • Repairs have a Lifetime Guarantee - Repairs carried out by an insurer preferred repairer, will typically come with a lifetime guarantee. When you choose your own repairer, the guarantee period on repairs is at the discretion of that service provider.
  • Faster Turnaround - Insurer preferred repairers are faster not just due to the removal of the requirement for an assessor, but also because these providers agree to work with insurers in the correct way to make the whole process smoother.

How Coverforce can help

At Coverforce, our experienced insurance brokers will work hard to deliver personalised risk advice and reliable protection for your company vehicles at highly competitive rates.

For more information you can visit our Motor Fleet Insurance page or to arrange cover, please contact our specialised team at your local Coverforce office.


The information provided in this article is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. If you require advice that is tailored to your specific business or individual circumstances, please contact Coverforce directly



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