As stated above, with just car, u do not get choice of repairer so what good would that do? They'd just get u to tow it again to the place THEY want u to go, which is probably dodgy and will wreck ur car. But yeah. U need 2 quotes. One from ur preferred repairer, one from one of their recommended repairers. The assessor came to our house to look at the car. Then they decide which quote is cheaper...don't believe their 'most complete and competitive' bullshit, it's not about complete, it's about competitive. Even when they aren't paying for the repairs.