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Getting Your Vehicle Repaired

Car being taken for repairIf your vehicle needs repair and is covered by comprehensive insurance, we recommend that you take it to an approved accident repair garage as this can help to speed up the repair process. Approved garages work closely with car insurance providers, which cuts down on administration and can lead to faster repairs. Car insurance policies often cover the cost of transporting your car to the nearest repair centre if it's not driveable following the accident.

Check your policy to see if you are entitled to a courtesy car while your own is in the garage for repairs, and for how long. Hopefully your own car will be repaired before your courtesy car entitlement expires, but if the damage is severe or there are complications over authorising repairs, you may need to make your own arrangements after this period.

Once the details of the accident have been received by your insurer, they will often appoint an assessor, who will visit the garage to assess the damage to your vehicle. The assessor will make sure that the damage is consistent with the reports of the accident you provided and will authorise the repairs on behalf of the insurance company if they are happy with the situation.

If the garage is not an approved repair centre, it may take longer for the assessor to visit, as it is not likely to be on their daily rounds. Once the repairs are completed the car insurance company will pay the garage, less the excess which is payable by the you as the policyholder. Check your policy for the amount of excess you agreed to pay when you took it out. 

If the damage to your car puts it "beyond economical repair", the car insurance company will make you an offer based on the car's MARKET VALUE at that time. The market value is calculated on a number of factors, including your car's age, mileage and general condition. You are not obliged to accept this offer and can ask for it to be reconsidered should you believe the car to be worth more than the offer. If all else fails you have the right to take the matter to the Financial Ombudsman Service who will help you resolve the matter.

If you've had an accident and need to make a claim, please contact us as soon as possible.

Girl Motor customers can contact us about a claim on call 0333 400 7365.