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?