Does insurance cover bodywork?
In most cases yes, if you hold comprehensive cover and the damage came from an accident — subject to your excess. Third-party-only policies generally won't cover damage to your own car. But whether you should claim is a separate question from whether you can.
Check your excess first
Your excess is what you pay before the insurer contributes. If the repair costs little more than your excess, claiming makes little sense — you'd pay most of it anyway and still put a claim on your record.
Mind your no-claims discount
A claim can reduce your no-claims discount and push up your premium at renewal, sometimes for years, unless you've protected it. That future cost is a real part of the equation and can outweigh the saving on a modest repair.
Whose fault was it?
If another driver was at fault, the repair may be recoverable through their insurer rather than yours, protecting your own record and excess. Establish fault early with photos and details.
How we help
We take on insurance and accident work for paint and panel damage and can handle the process with your insurer. Bring the car in and we'll give you an accurate repair cost so you can weigh claiming against paying directly. For major structural damage we'll point you to the right specialist.
This is general information, not financial advice — always check your own policy with your insurer.
Volvo — front-end accident repair
A front-end knock on a silver Volvo: scuffed and cracked bumper, damage around the bonnet edge and headlight. Repaired, refinished and back to how it…
See the job
