Insurance qutes

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Mon 12 Jan 2004 14:16
Insurance qutes - CM
Following Blue's problems and an impending no-fault claim on my behalf, I was wondering why repairers seem able to charge 2 different rates - one for private repairs and one for the insurance companies. Why do the insurance companies not raise a finger to stop this happening. Afterall the cost gets pushed onto their customers in the form of higher premiums.

I cannot see any justification in charging higher prices and why no one seems to question this practice. Perhaps someone could enlighten me?
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Mon 12 Jan 2004 14:51
Insurance qutes - teabelly
Insurance jobs are often repaired to a different standard. With a private job most owners are content with panels being pushed/beaten back into shape. With insurance jobs all new parts are used so that pushes up the costs considerably. I think there are also liability and guarantee issues to consider especially with approved repairers as they have to be able to prove a certain standard of repair. I have only had the misfortune to use one approved repairer and they were pretty good. Others I know weren't so lucky...
teabelly
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Mon 12 Jan 2004 16:46
Insurance quotes - Dalglish
cm: possible reasons
private job = less paperwork admin and instant payment and less hassle.
insurance job = inspections etc., paperwork hassle, 2 or 3 month paymment terms and chasing by cresit control for 4 months before final settlement.

after care following bodge job:
private punter complains, told to go and multiply.
ins co complains, better avoid in first place by not doing bodge. or else listen and unbodge if repeat business wanted.
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Mon 12 Jan 2004 17:37
Insurance qutes - Andrew-T
It is certainly common knowledge that when one asks a repairer for a quote, the first question is 'is it an insurance job?'. But even when it is (as it was for me last July) there may still be room for flexibility. I drove the damaged car to the repair shop for an estimate, which included new wing and screen, and 2 front doors which had suffered slight damage to leading edges. I told him I was happy for the old ones to be filled and painted as they still closed perfectly. This was done - but I don't know whether the original estimate was the one accepted by the ins.co. If it was I guess the repairer may have profited somewhat, but as he did me a few small fixes at the same time, I was happy!
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