Most car insurers also allow you to customise your plan by choosing between "authorised workshops" and "any workshop". This refers to which workshops you can send your car to and still be covered by your car insurance.

It is always cheaper to go for the "authorised workshops" version because the insurer already has a list of workshops that it knows are affordable.

On the other hand, if you want the freedom to go to any workshop of your choice, the insurer has no way of making sure that it won't overcharge, so you will have to pay more for that privilege.

If your car is still new and under warranty, you will probably want to pay more for the "any workshop" plan, because if you do not go back to your car dealer's workshop, your warranty may be considered void.

For not-so-fussy owners of older cars, opting for "authorised workshops" is usually a lot cheaper. Just make sure that the insurer's list of workshops is actually reasonable so you don't have to drive across the island to get your car repaired.