"Your expensive insurance is expensive mainly because of the cartel operating between the insurance industry and major repairers (£1300+VAT for a damaged wing on a Honda Jazz...?)," And of course - if the age/value of the car does not allow the preferred repairer to carry out a repair at an over-inflated cost, the insurers are most likely to write-off the vehicle, even if the repair is just a small dent. Also unless the repair is carried out by an 'authorised' repairer it is easier to get blood out of a stone than it would be to get a couple of hundred pounds for the repair to be done by a local repairer. Also don't forget the levy towards the uninsured drivers compensation fund.
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