Authorised Workshops and Non-authorised Workshops Insurance
Comprehensive Motor Insurance Coverage comes with Authorised and Non-Authorised Workshops Coverages.
A Non-Authroised Workshop Policy will allow you to seek repair on any workshops which you deemed fit in repairing your vehicle damaged from an accident. This will include include the dealers’ workshops. This is usually the case for vehicles which are less than 5 years old, whereby you have maintained your vehicle maintenance with your dealer and would want them to repair your vehicle with the spare parts from the dealer.
An Authorised Workshop Policy will only allow your vehicles to be repaired at the insurer approved list of workshops. The workshops are qualified by the insurers basing on the repair cost, quality of the repair, and reputation of the workshop. This will restrict the workshops that you are allowed to have your car repaired. The main reason of having a qualified list of workshops come down to the cost of repair. The cost to repair a damaged vehicle in a non-dealer’s workshop can be a fraction to that of a dealer.
The question followed will also be, “Will the Dealer Void my vehicle warranty if i do not repair at their workshop?” and “If i were to sell my car with accident record after some time, will my buyer be confident that my car is properly repaired?” These have always been in the mind of a car owner when selecting a policy with Authorised Workshop Restriction.
The premium of a Non-authorised workshop policy will be more expensive, given that the policy holder is given the flexibility to choose the workshop to repair his damaged vehicle. In general, the premium for a non-authoriise worshop policy is 10% to 30% more than that of a Authorised Workshop Policy.