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Cover, claims and the cost of a car
Insure Before DrivingCover, claims and the cost of a car

Vehicle Costs

A repair bill is mostly labour, and labour is priced by how hard the part is to reach

The cost of fixing a car has far less to do with the price of the component than with the hours needed to get to it, which is why two similar faults can differ enormously in what they cost to put right.

By Ingrid Sandvik3 min read

A classic car is elevated on a lift in a professional auto repair garage, showcasing its undercarriage.
Photograph by Mathias Reding via Pexels
General information. This is journalism, not personalised financial advice. Rates, rules and figures change and vary by country — check current terms before acting. How we work.

Common questions

Why is a quote for the same job so different between garages?

Mostly hourly rate and parts grade, since the labour time itself comes from published schedules. Location, overheads and equipment explain most rate differences. A quote far below the others sometimes reflects a different repair method rather than better value, so ask what is actually being done.

Should I use the insurer’s approved repairer?

It is a trade-off rather than a right answer. The network route usually brings a guarantee on the work, a managed process and often a courtesy vehicle; using your own garage gives you control over who does the work and which parts are used, and may forfeit those benefits. The policy wording sets out what changes.

Is it worth repairing an older car with a large bill?

The comparison is between the cost of the repair and the cost of replacing the vehicle, including what a replacement would cost to insure and run, rather than against the car’s resale value alone. A known car with a fresh major component is sometimes better value than an unknown one, and sometimes not.

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Ingrid Sandvik
Contributing editor, Insure Before Driving

Ingrid joined to cover cover types, claims, premiums and stayed for the awkward questions and would rather show the working than assert the conclusion.