Will Insurance Cover All My Car Repair Costs? | GVE London – Blog

Nobody anticipates an accident, but they happen. Sometimes major collisions, other times minor scrapes. One way or another, that’s why insurance exists. However, in either case, you might find yourself asking: will my insurance cover the repair costs? Car insurance repair coverage in the UK is quite intricate, after all, so let’s take a closer look at this topic and find out.

Understanding Car Insurance Repair Coverage

We’ll be strictly talking about the UK here. Car insurance policies in Britain can be broadly categorised into three main types:

• Third-Party Only: Covers damages to others but not your own vehicle.
• Third-Party, Fire and Theft: Adds protection against fire damage and theft.
• Comprehensive: Offers the most extensive coverage, including damages to your own car, even if you’re at fault.

Comprehensive policies are, as the name suggests, the most extensive. They cover accidental damage, theft and vandalism, fire damage and even weather-related incidents. However, general wear and tear or mechanical failures aren’t usually included.

The Car Insurance Repair

Car insurance is essential. Repairs can cost a fortune, and many items are not covered under standard policies.

Specialist car insurance often includes:

• Agreed value coverage
• Choice of repairer
• Use of manufacturer-approved parts

There are times when you might find yourself in a position where paying for minor repairs yourself is the more economical option, especially if the repair cost is close to your excess. However, if the damages are anything that could be considered major, it is best to make use of your insurance.

Read Also: The Do’s and Don’ts of Submitting Accident Details for Insurance

Choosing the Right Car Bodyshop

For car owners, here’s something you might not know. Your insurance company may tell you to get your car fixed at a centre of their choice, but you can absolutely say no. You have the right to choose your preferred car bodyshop. It is best to opt for a facility like GVE London that offers:

• Insurance claim assistance
• BSI Kitemark™ standards
• Expertise with luxury vehicles

This way, you can rest assured that your car is in good hands.

Conclusion

Insurance isn’t a magic button that fixes every issue for free. You need the right cover. You need to know what’s included. And for high-end cars, you need an insurer and repair shop that treat your vehicle with the care it deserves.

Insurance policies vary widely. As a luxury car owner, it is best to opt for the comprehensive option, as it means you won’t have to pay for damages out of your own pocket, the cost of which can quickly add up. For more details, get in touch with us here at GVE London. We can help set you up with an insurance policy that perfectly suits your needs. We’re a car showroom that works with all things automotive, from sales and purchase to repairs and modifications. We also export our vehicles to buyers across the globe. Get in touch with us today to know more!