Garage repair (also called non-agency repair) gives you full comprehensive protection for less, by sending claim repairs to workshops the insurer has approved rather than to the dealer.
01How garage repair works
You get the same comprehensive cover: third-party liability, damage to your own car, fire and theft. The difference is where the car is repaired after a claim. Instead of the brand’s dealer, the insurer sends it to one of its approved garages, which keeps the cost of claims and your premium down.
02Who it suits
- Cars that are past the age where insurers offer agency repair.
- Cars out of manufacturer warranty.
- Drivers who want full cover for their own car at a lower price.
Many drivers move from agency to garage repair once their car is a few years old: the cover stays comprehensive and the premium usually drops.
03What to check before you buy
- Which garages the insurer uses, and whether there is one near you.
- Whether parts are genuine, OEM-equivalent or aftermarket.
- The excess per claim.
- Whether a replacement car is included while yours is repaired.
Moving from agency repair?Send us your current policy’s expiry date and we’ll quote garage repair cover in good time for renewal.