Yes, you will have to pay VAT on repairs, however you can recover these costs through your normal VAT returns.
No, you would get use of a courtesy car as provided by the garage carrying out your repairs for you. If your business depended on having a like-for-like vehicle then you would need to opt for a replacement vehicle policy, which would supply this in the event of an accident.
Yes, this is possible, however insurers do require specific documentation to prove loss of earnings.
Yes, because even if the other party admits fault it is still up to their insurer, who may choose to not admit blame.
Your insurer or broker work with garages that are pre-approved for quality control and adherence of strict service standards to guarantee the repair. If you use your own, they don’t have this level of control and can’t rectify things if something goes wrong.
No, if you’re involved in a non-fault accident, you can claim through the third party, this is not illegal.
Yes! Your commercial motor premiums are worked out via the frequency and cost of claims.