The lowest number is not always the most useful comparison. A sound decision takes in your excess, policy conditions, repair scope, timing and the details that may only become clear after assessment.
Compare the full outcome
A private repair estimate and an insurance claim are different pathways. Consider the total cost, who manages the process, what is included and what may change after a closer inspection.
Ask for a readable estimate
A useful estimate explains what has been allowed for and flags what cannot be confirmed until the vehicle is inspected further.
- Labour and repair operations
- Parts and materials
- Paint and refinishing
- Variables that depend on a closer inspection
Check your own policy terms
Look at your excess, any notification requirements and the conditions relevant to your situation. If anything is uncertain, ask your insurer to explain how the terms apply.
Keep these close.
- Request a written estimate
- Check your excess and policy conditions
- Compare scope as well as price
- Decide once the unknowns are clear
This article is general information only. Insurance policies, vehicle condition and repair plans can involve details specific to your situation.