How much will the repair cost? How do you make sure the price is fair?

As long as you aren't in breach of the terms of the Membership Agreement, the most you'll pay for any damage you're responsible for is your excess. For repairs costing less than the excess, we get quotes from our preferred repairers for the work.

Unfortunately, the standard costs for car repairs are high and it always increases significantly if it is across multiple panels. There are limited options that we have to reduce costs for you, but we always aim to get the best repairs done at the cheapest prices.

We organise the vast majority of repairs with our preferred repairers and through the DingGo network or repairers. We get very good rates from these repairers as we give them regular work. If we are making an insurance claim, the quotes will be independently assessed as part of the claim, but if the damage is below excess, no claim is made.

In these scenarios, to get the quote assessed costs a fee that we have to pass on to the customer at fault. We try to limit costs for customers as much as possible, and we are confident in our repairers’ quotes and our internal knowledge of damage costs to not get the smaller damages assessed, so as to pass on those savings to you.

There may be occasions when we aren't able to utilise our preferred repairer network. In these cases, an assessing fee may be applicable.

What if the repairs cost more or less than the estimate?

While we estimate costs carefully, it isn't until the repairer completes the work that we know the full cost. It may be more or less than the estimated amount that was charged at the outset. We'll let you know when we have the final repair cost, and:

  • If the repairs cost less than the estimate, we'll refund the difference to you.
  • If the repairs cost more than the estimate, we'll charge you the difference.

Are you authorised to charge an estimated cost?

When you are responsible for damage, we'll charge your card for the amount that we estimate, in good faith, will be enough to cover the cost of repairs (up to your excess). Our authorisation to charge this amount is set out in the Member Agreement

I can organise the repairs myself for less than the estimate

If you'd like to organise the repairs yourself, you'll need to negotiate this with the car's owner directly and organise the repairs outside our claims and repair process. This will only be possible if you're paying for the full cost of the repair yourself. Otherwise, ‌repairs will need to be organised through us.


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