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If you have ever had any sort of light collision on your vehicle like a Bumper Scuff, scratch on a door or an alloy wheel that has been kerbed and are wondering whether to get the damage repaired through your insurance, stop for a minute and consider your options. Having the car body damage repaired through your insurance will obviously give you a good standard of repair and will only cost you your insurance excess, or will it? If you do not have a protected no claims policy you might find it costs you a lot more in the long run than a few hundred pounds of your excess, for example if you had some car body damage and put it through your insurance and paid your excess to have it repaired, you might find when it comes to renew your insurance policy when it runs out that the premiums for the following year have increased dramatically, it will be like your 17 again. Another option to repair the car body damage is to pay privately to get it repaired.

There are two ways to get your car body damage repaired privately (1) Body shop (2) Mobile car body repair. A body shop will take the car away for up to a week to have it repaired, while a mobile car body repair service will repair the damage within a day and come to your place of work or your home to repair the car. Prices for both types of service also differ where the body shop is the more expensive while the mobile car body repair service is the cheaper, this is mainly down to over heads that a static site incurs like rent and large equipment costs. The types of repairs that both service can do also differ, where body shops repair all types of repairs like light collision and heavy collision damage, while a mobile car body repair service only can handle light collision damage like bumper scuffs, door scratches, stone chips and alloy wheels.

If you can it's always better to have a mobile car body repair service to fix your damage, because it's cheaper and more time efficient than a body shop. By having your car repaired by either of these two types of services will save you a lot of money in the long run, compared to going through your insurance. On the other hand if you were cleaver enough to have protected no claims discount added to your insurance policy then you won't have to worry about the problems highlighted above, you will already be one step ahead.
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