If your motor’s damaged in an accident or another incident it can be a considerable inconvenience. You’ll probably want to get it repaired and back on the road as quickly as possible.
Most car insurance providers will offer to have your car fixed by an approved repairer, which means using their own network of garages that they work with to get better deals and keep costs down. Yet you might prefer to plump for your own choice of repairer, perhaps because you trust them to do a good job or simply because they’re more local to you.
Insurers have to allow you to do this, yet while they’ll still pay out for the repairs if your claim’s successful, they sometimes impose some extra terms which could leave you at a disadvantage.