Can choice of own repairer be a more expensive quote?

Discussion in 'Insurance & Finance' started by uumode, Jan 1, 2016.

  1. uumode

    uumode Hardcore MB Enthusiast

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    Joined:
    Sep 1, 2003
    Car:
    W205 C200 AMG Line Premium Plus
    Normally with previous older cars I'd just go for the cheapest big name car insurer on confused/gocompare e.g. Aviva, AA, M&S, L&G at about £180-£200 pa.

    Having just acquired a brand new car, reading the small print of these companies most infer that you have to use their approved repairers, presumably cheaper using some non original manufacturer parts to keep their costs down.

    Some allow choice of own repairer, but at the loss of courtesy car, insurance guarantee, and ownership of subsequent repair problems shift to the customer. e.g. ill fitting panels. Also with your own choice of repairer it is stated that at least two quotations are required.

    MB insurance underwritten by Aviva specifically call out repairs are only undertaken with original manufacturer parts and manufacturer approved repairers but is £450pa

    My question is has anyone challenged the use of the insurer approved repairer and chosen their own repairer as a Mercedes approved bodyshop, and had it approved even though it was more expensive than the insurer's approved repairer?
     
  2. ringway

    ringway MB Club Veteran

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    If it's your car, no-one can tell you where to have it repaired.
    It's the labour rate that's the bug bear here. The insurance company approved bodyshops are £12-15 and hour cheaper than a decent outfit. That's why they are keen on customers using their approved places. Imagine how much they save a year if everyone dances to their tune!

    You can take a Skoda to a Rolls Royce repairer (and vice versa) if you wish. There's nothing an insurance company can do to stop you.
     
  3. ash59fifty-uk

    ash59fifty-uk Hardcore MB Enthusiast

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    £450 per annum, one can only wish!
     
  4. OP
    OP
    uumode

    uumode Hardcore MB Enthusiast

    Messages:
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    Joined:
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    Car:
    W205 C200 AMG Line Premium Plus
    The choice is there, but seemingly at a disadvantage - potentially paying the difference between the cheaper approved/recommended repairer and more expensive Mercedes Benz approved repairer

    M&S page 13
    http://bank.marksandspencer.com/pdf/CIPremierPolicyDocument.pdf

    "At your request, you can arrange for a repairer of your
    choice to carry out the repairs. You must send the
    insurer at least two detailed repair estimates as soon
    as reasonably possible. The insurer will only be liable
    for the repair costs at a non-recommended repairer if
    the insurer has agreed that the costs are reasonable

    and the insurer has issued an authorisation to the
    repairer.
    The insurer may need to inspect the car.
    The insurer reserves the right to ask you to obtain
    alternative estimates and the insurer may not pay
    you more than their recommended repairer would
    have charged them for the repair of the car.
    "


    Glass damage is a joke if choosing MB over the approved (page 4)

    "Unlimited cover if our approved repairer is used.
    £150 if a non approved repairer is used."

    A Mercedes Benz W205 windscreen costs way more than £150
     
    Last edited: Jan 2, 2016

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