Types Of Repairs Covered By Insurance
The type of car insurance you choose will determine whether repairs to your vehicle are covered:
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Comprehensive cover – This is the most complete option, covering repairs to both your car and other vehicles, even if you’re at fault for the accident.
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Third Party, Fire & Theft – Accident damage to your own car isn’t covered, but you’ll be covered if your vehicle is damaged by fire or stolen.
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Third Party Only – No cover for repairs to your own vehicle. This level of insurance only covers damage to other people’s vehicles or property.
Not always. Many insurers prefer you to use their approved repair network, which may come with perks such as guaranteed repairs, courtesy cars or no extra paperwork.
Sometimes you can choose your own garage, just check if it affects your claim or payout.
For things like scratches, scuffs, or small dents, it might not be worth claiming:
- You’ll need to pay your excess (which may exceed the repair cost)
- It could impact your no claims bonus
- You may face higher premiums at renewal
Instead, some people use SMART repairs (Small to Medium Area Repair Techniques) or pay out-of-pocket if the damage is minor.
Yes, but only if you have comprehensive cover. Third party policies won’t cover your own car.
No. Standard insurance doesn’t cover wear and tear or mechanical issues; those are typically covered under a warranty or separate breakdown cover.
The car may be declared a write-off. You’d receive a payout for the market value, minus any excess.
It’s best to inform them first. Going ahead without approval could invalidate your claim.
