Motor insurance claims: how can you reduce the cost of repairs?

Choosing to use approved repairer or glazier networks will help you to optimise the cost of repairs, reduce turnaround times for vehicles and guarantee a quality service.



A challenge to reduce the overall costs of claims and in turn premiums


The cost of repairs, whether the price of parts or the labour rate have continued to rise for a number of years. The average cost between 2011 and 2017 increased by 30%*, this is also the difference noted on the increase in the direct settlement fixed price.


Control of this item is a key issue in reducing the overall costs of claims, hence the need to surround partners with negotiated tariff agreements.


The free choice of tariffs by repairers involves disparate labour rates from one geographical sector to the next. The proportion of the labour in the overall bill represents half the total cost of the repair; negotiation of these rates at the national level will result in considerable savings estimated at around 15%, if the orientation is total.



Minimised turnaround time


At a partner repairer, the turnaround time of the vehicle is optimised and the driver can dedicate himself fully to his business:
– Remote assessment enables the approved repairer to send photos to the assessor in less than 30 minutes. The latter is able to issue his report in a very short time,
– The repairer can simultaneously give a date to the driver for the repairs and consider providing a loan vehicle aged less than 3 years old or 60,000km guaranteeing his mobility,
– The repairs are guaranteed and valid throughout the network.



A simplified customer experience, a steady quality of service


Access to partner repairers is currently simplified by web platforms or mobile applications used to geolocate approved garages. These digital tools also ensure the time spent on these subjects within the company is optimised.


The quality of service is at the heart of the concerns of the approved repairers networks. Rating systems have been introduced. They enable the user to assess the service without a filter on a certain number of criteria.


With these digital services, the driver gains in autonomy and the fluidity of claims management becomes a source of savings for the fleet manager and for the company.


*Source: BCA database of collision repair appraisals (excluding natural disasters, theft, fire, glass breakage)