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Will car insurance pay for repairs?

What is covered by comprehensive insurance?

A comprehensive insurance policy covers your car for theft, vandalism, fire, natural disasters (including storms and floods), objects falling on the car, damage caused by animals, and civil disturbances such as riots. Your car is also covered for damage caused by a collision, whether it is your fault or not.

All of the above should be covered, but you need to check the policy details in case there are exclusions. 

In contrast, if you have third-party insurance rather than a comprehensive policy, your cover provider will only payout in the case of fire, theft and malicious damage.

If the car repairs are the result of a collision that is not your fault, you can claim for repairs. Your insurance company will claim against the insurance company of the person responsible for the accident.

Minor repairs

Most car insurance policies have an excess, which is an amount you have to pay towards any claim. You may also lose any no claims bonus you have if you make a claim.

If the cost of repairs is less than the excess amount, it isn’t worth making an insurance claim. If the repair costs are just above the excess amount, it may still not be worth claiming as the excess plus the reduction of the no claims discount could end up costing you more than the repairs.

Repairs due to parts failing

Though modern cars are reliable, parts can wear out or malfunction and a car insurance policy will not cover you for this. If the car is fairly new, it may still be covered by the manufacturer’s warranty and this will pay for repairs. If your warranty has run out, you can purchase an extended car warranty that will cover certain repairs.

Contact the insurance company before arranging car repairs

A car that is not safe to drive until it is repaired can be very inconvenient, especially if you rely on the vehicle for work or for other important things such as taking the children to school.

However, don’t be tempted to arrange car repairs yourself if you wish to claim the money back on insurance. If the damage to the car is extensive, a claims assessor may need to inspect it before approving repairs. The assessor may observe that the cost of repairs is more than the car is worth, and that makes the car a write off. You will then receive a sum of money equal to the value of the car.

Alternatively, the insurance company may insist that you take the car to one of its own approved car repairers. If you arrange your own car repairs before approval by the insurance company, they may refuse to pay out.

What to do while waiting for the car to be repaired

Some policies will include the use of a hire car whilst you are waiting for the car to be repaired. If not, and you need to use a car, you will have to either borrow one from friends or family or pay for a hire car.

If you borrow a car, make sure your insurance policy covers you for driving it. Not all policies do, or you may find that you are only covered for third-party, which could make you responsible for repairs as a result of an accident that was your fault.

The short, the answer to ‘will car insurance pay for car repairs?’ is it depends on the policy terms and conditions - and the cause of the damage. Make sure that you read all your insurance documents carefully so that you are clear on what repairs you can claim for.

Another option to cover the cost of repairs that is suitable for some motorists is vehicle warranties.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

Although you may be covered to drive other cars as part of your insurance policy, this cover often specifically excludes rental vehicles. Instead, your rental car provider will have insurance built into the cost of the hire – with a few options that’ll let you reduce any excess you’ll pay in the event of an accident.

If you’re involved in a hit and run accident, some car insurance policies will cover the cost of repairing your car, or pay you the current market price if it’s written-off.

If the cause of water damage to your car is not your fault, a comprehensive insurance policy will provide cover, but a third party insurance policy is limited and does not normally include water damage.

If you have a fully comprehensive policy, you’ll generally find that insurers will pay out for severe weather damage like that caused by hail. Be warned though, not all do – so if you’re concerned, it’s important to check your policy for any exclusions.

As long as you have fully comprehensive cover with no exclusions relating to flood or water damage, you should find that your car insurance covers water damage. Be warned though, if the damage was avoidable (if you drove into a large puddle for instance) you might find your insurer won’t payout.

If your car insurance covers windscreen damage, it will probably also include cover for all other broken car windows, and some policies extend cover to glass sunroofs.

Many comprehensive car insurance policies provide cover for a cracked windshield, but not all. When taking out car insurance, check that windshield cover is included, otherwise you may need to pay extra for this cover.

Depending on the type of car insurance you have in place, it’s likely your policy will provide cover for theft.

Comprehensive car insurance - often referred to as fully comprehensive (or ‘fully comp’) – includes cover for damage to your own car, whereas third party, fire and theft policies only cover damage to someone else’s vehicle and not your own.

In most cases, your car insurance will provide cover for the cost of minor engine damage as the result of an accident, but it may not cover damage due to wear and tear.