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So you’ve had an accident recently and your car needs repairing. If so you have two options on the table really. Take your vehicle to a repair shop that’s approved by your insurer, or head somewhere else.
If you’ve had the same mechanic for years you might want to stick with them, after all you trust them and you don’t want to take your business elsewhere.
You don’t have to use a garage or repair shop approved by your insurance company. In fact, your provider has to let you go elsewhere if you want to.
If your claim is successful, it has to pay out too. However, as we discuss further on in the guide, your insurer will take away a whole host of benefits if you go with your own repair shop.
There’s a few reasons you might choose to use your own mechanic.
Maybe it’s simply more convenient? It might be closer to your home while the nearest approved garage is miles away. Or your insurer’s repair shop has a lengthy backlog which would leave you without a car for a while.
If you have a vintage car or a prestige vehicle then you might want to take it to an experienced mechanic who specialises in repairing these old, valuable machines.
You could have been going to the same mechanic for years, who you have total trust in. Whatever the case, you can still use your own man or woman.
Most providers will have a network of approved places you can go to get your car fixed. As they have relationships with these repair shops they can often strike deals and keep costs down.
While you don’t have to use these workshops, there’s several reasons you’re better off using your insurance provider’s approved mechanic.
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