Car insurance uk vs abroad use

Rado123

Hi,

In my car insurance policy i found this.

If your car is damaged, and the damage to your car is covered under your policy, our claims
team will arrange for a fast and efficient repair through our insurer’s approved repairer
network. We will instruct one of our approved repairers to collect your car. You will be
provided with a courtesy car, free of charge, while your car is being repaired, subject to
availability. The courtesy car is only available while the policy is in force and the use of a
courtesy car ends when the policy is cancelled.
The repairs carried out by the insurer’s approved repairer are guaranteed for 5 years.
If you choose not to use the insurer’s approved repairer network, this may lead to delays in
arranging repairs to your car. You will need to provide us with two estimates from repairers,
and we may need to arrange a physical inspection of your car before agreeing the repair.
We will not guarantee the repairs and we will not provide a courtesy car.

But in section about abroad use they say repairs are not guaranteed??? Wording is not clear for me.

This policy also provides the cover shown in your Schedule for up to 90 days in any period
of insurance while anyone insured by this policy is using your car within the countries
referred to above.
Please note courtesy cars are not available abroad and repairs undertaken abroad are not
guaranteed as they are not carried out by the insurer’s approved network of repairers.
As part of a valid claim under Section 1 or Section 2 of this policy the insurer will pay the
costs of recovering your car if it is not driveable, and of returning your car back to the United Kingdom, if required.

molerat

What is not clear, seems quite clear to me. They will not guarantee, same as in UK, the work carried out by a repairer not on their list.

sal_III

The repairs carried out by the insurer’s approved repairer are guaranteed for 5 years.

repairs undertaken abroad are not guaranteed as they are not carried out by the insurer’s approved network of repairers.

What exactly isn't clear? They don't have approved repairers abroad, hence can't offer you guarantee on the repairs, same as in the UK if you use non-approved repairer.