Am I being penalised for using Honda Happiness Accident Assistance by my insurer?

I have a 1.4 manual Jazz and would use the services of Honda Happiness Accident Assistance if the need arose. However my current insurance with Sainsbury’s Finance includes amongst the excesses: “Repair work by your own repairer £200,“ which is then confirmed: “if you choose not to have your car repaired by one of our recommended repairers the £200 excess is not covered.”

This reads like a penalty if you try to keep away from Sainsbury’s own accident management. I am now renewing my car insurance with LV that does not have this Excess and still offers a lower premium.

Asked on 28 April 2012 by TU, Tadley

Answered by Honest John
Yes, the manufacturers are trying to persuade insurers to remove this stupid clause that actually winds up costing the insurers far more than the manufacturer schemes do. Ensuring a car is properly repaired means you end up with a car worth at least £1000 more than one that isn’t.
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