In the UAE, car owners are obligated by the law to get their vehicles insured prior to hitting the road. Alongside legality, car insurance is necessary to secure owners from financial dents in case of an accident. That said, after an accident, the insurance provider is responsible for repairing the damaged vehicle. To cater to this, companies generally offer garage repair, but you can also opt for agency repair by paying an additional premium.
Let’s discuss the agency repair by car insurance, its pros, cons and premiums in more detail.
Agency Repair in Car Insurance
Besides other Emirates, car insurance companies in Abu Dhabi also offer agency repair to their customers against higher premiums. In agency repair, the damaged vehicle is fixed by a certified garage or in the workshop of the brand’s showroom. That said, agency-repaired vehicles are durable, as these certified stores use original parts and have profound experience in vehicle repair. Apart from these benefits, there are some cons of using agency repair car insurance that we have discussed below.
Pros and Cons of Agency Repair
Here are some pros and cons of opting for a car insurance agency repair service.
Pros of Agency Repair
Following are the pros of using agency repair car insurance to get your vehicle repaired.
Quality Service
The agency repair garages are handpicked by the insurance provider to ensure the provision of the highest quality service. Every insurance provider has its criteria for selecting agency garages. The most common factors considered are the technological advancements, modern tools, experienced mechanics and infrastructure of the garage. Regardless of the criteria, top-tier quality service is guaranteed by these repair shops.
Maintained Record
The agency repair shops are experienced in handling insured vehicles; therefore, they maintain a record of every part installed or replaced. Generally, the car owner is expected to maintain this record and elaborate it to the insurance company. However, in agency repair garages, car owners are exempted from this responsibility. The garage directly informs the company regarding all the modifications, so that they can alter their insurance as required.
For more information, read our blog on how car modification affects car insurance.
Warranty Coverage
The authorised garages provide warranty coverage on the spare parts that they use in vehicle repair. In case of any malfunction, the car owner can approach the repair centre and get the malfunctioning part fixed.
Expert Mechanics
The authorised repair shops recruit professional mechanics with profound experience in automobiles. Their expertise aids in repairing vehicles properly and hassle-free.
Cons of Agency Repair
Now that you are aware of the pros, here are some cons of agency repair in car insurance.
Expensive
The premium charges for agency repair are more costly than other types of insurance. Therefore, agency repair is one of the most expensive types of car insurance that you can avail of. However, for more feasible options you can leverage the finance and insurance services at dubizzle cars.
Time-Consuming
Since the certified dealers use original spare parts, the process can be time-consuming. Sometimes it took months to find an original spare part for the vehicle. Moreover, there is a waiting line for vehicle repair at popular agency repair shops.
You can exclude this hassle by browsing through these used auto accessories for sale in the UAE listed on dubizzle and purchasing original parts at your convenience.
Agency Vs Garage Repair
Agency repair is considered a suitable option for vehicle repair due to the multiple reasons mentioned above. Here we have compared agency and garage repair to elaborate further on the discussion.
- The agency repair shops are brand and company-authorised. Whereas, the garage repair shops are only pre-tested.
- The car owner is responsible for transporting the damaged vehicle to the garage repair. However, the insurance provider delivered the car from your location to the agency repair shop.
- Agency repairs are time-consuming and often have long waiting lists. Garage repair services are quicker than agency repairs.
- The agency repairs are way too costly than garage repairs.
Here we conclude our guide on agency repair in car insurance. The agency repair is preferred because of the repair centres’ expertise and reputation. However, the authorised repair centres are generally more costly than other garages. Therefore, if your vehicle is significantly damaged in an accident, you might end up paying them a fortune. In this situation, it is recommended to browse through these used cars for sale in the UAE and buy another car rather than to spend on the damaged one.
Stay tuned to dubizzle’s auto blog for more information on the UAE car insurance agency repair.
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