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You're Guide to Making a Claim.
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What do those terms and conditions in my Motor Insurance Policy really mean?
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Do I have to have my vehicle repaired where my Insurance Company tells me to?
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Do I need to obtain more than one estimate?
Selected Repairers Scheme
This guide aims to answer these and other questions, and provides a general guidance to terms and procedures which you may encounter should you need to make a claim from your Motor Insurer.
Insurers often operate 'approved, recommended or selected repairer' schemes. These take the form of a list of garages with which the insurer has a special relationship with.
You may wish to take note of your insurer's advice, but you should remember you have the right to choose where you want your vehicle repaired.
Getting an Estimate
Under the terms of most Insurance policies, only one estimate is required. Some Insurers' may ask you to obtain more than one estimate, you may wish to remind your insurer or broker that you do not want to be put to the inconvenience of having to obtain alternative estimates when in fact custom and practice dictates that only one estimate is required.
Insurance Excess
When you bought your motor policy you may have agreed with your insurer to pay an excess in order to reduce the cost of the premium, or because of your driving record. The excess therefore applies to that part of the claim for which you are uninsured and is usually payable to the garage upon collection of your vehicle.
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