Car Insurance Policy- Should I Get Choice of Repairer?

Updated: 5 days ago

So you finally got your first car and are getting insurance. Yup, we know how this can be a daunting task especially with all the insurance terms and policy options. One important detail is your choice of repairer- car insurance companies either let you choose your own repairer or make you go to their "preferred repairer." Knowing the difference between the two is important when deciding on what insurance is best for you. For first-time car owners, this article will help demystify the terms 'choice of repairer' and 'preferred repairer.'

Choice of Repairer vs Preferred Repairer

When your insurer has a 'preferred repairer', it means they already have a pre-existing agreement with a repair company. This limits the policy holders on where they can bring their vehicles for any repairs. This also means there's no need to search around for a repair shop because the company provider already has a list of options for you. However, one of the downsides to this type of insurance is that you won't have the ability to book repairs at your convenience. Rather, you have to wait on the repairer's availability and work around that.

A policy with 'choice of repairer', as the term suggests, simply means that you get to choose your own repairer. On this policy, you'll have the option to go to your trusted repair shop, or that newly opened repair shop that's been getting all the rave from your friends. Car insurance companies often offer this option for their premium plans, so this generally does cost more. The biggest upside to this policy is that you'll have full control over your repair options. You can book in your repairs in a location and time that's convenient to you. You can even opt for a repair specialist to ensure that your car isn't being given the one-size-fits-all treatment.

Is Choice of Repairer Important?

Choice of Repairer

Preferred Repairer

Choose the location of your repairer