When you have to make a claim, your insurer should direct you to the most competent, professional repairer that will repair your car safely, correctly and without compromising manufacturer warranties.
Unfortunately, the insurer will simply send your car to wherever the largest discounts and savings can be agreed, irrespective of the quality of that repairer or whether the repairer is approved by the particular vehicle manufacturer which will compromise their warranties.
To coerce you into using their budget repairers, insurers may tell you .......
- You have no choice but to use their preferred repair network. This is legally incorrect. Your car is your property and it is your legal right to choose where it is repaired
- Unless you use their repairer, repairs will take forever, the car will have to be inspected, the engineer won’t be in the area for ages. It is now extremely rare for an engineer to inspect a vehicle. All assessments are reviewed online by "desk-top" engineers that can approve work in minutes. Delays are more commonplace when vehicles are sent to repairers that do not have the correct equipment and training to repair certain vehicles and find themselves "in over their heads" part way through a repair.
- You won't get a courtesy car. This is blatantly incorrect as it is the repairer that provides the courtesy car at their own cost. Insurers do not pay for this at all.
- Repairs are not guaranteed. All discerning repairers provide a full guarantee and only a repair completed by a vehicle's manufacturer approved repairer will protect the manufacturer warranty.
Don’t forget it is your property that has been damaged, not your insurers. In the event of any damage you have the legal right to choose your repairer. If you experience any problems and are unsure of what you can or can’t do or simply would like any advice, please ring Reynolds’ and we will happily assist you.