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[quote][i]Originally posted by Ian[/i] You only insure against your third party obligations under Road Traffic Act though, recovering your own expenses is a contract between the provider and the policyholder, there's no legal reason for them to be forced in to doing anything in respect of first party risks. I would guess they'd pay out in order that bodyshops/finance people etc. aren't left out of pocket if you've already appointed a repairer or its written off and there's a finance interest but they're then within their rights - and by the looks of things its an increasing popular route - to make efforts to recover it from the policyholder. [/quote]
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