Contents insurance allowing third party repair


I recently wanted to claim for damage to a camera under my Coop Benefits Gadget insurance but their terms say that they arrange the repair (which will involve being without camera for a week or more). There is a local repairer that will give me a quote and repair more promptly but this won’t be covered. I haven’t much choice in this instance but, as I need a new contents policy and want to be without my camera for as short a time as possible:

Is repair only as arranged by insurer standard for most policies or are there some that allow you to claim on the basis of a local quote?



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