Unless you’re one of those 3D Lemmings, you won’t appreciate being told where to do your shopping. Can you imagine walking up to your favourite supermarket and being confronted with an animated creature that only knows one word? “Blocker!” he says, as he steers you towards his mate, who shouts out the only word he knows, as together they tag-team and steer you towards a store you didn’t really plan on using the first place.

Hold it there, sunshine.
Most of us do not enjoy being told what to do. It’s in our genetic make up. From birth, we goad our parents by doing exactly what they’ve just told us not to do. Looking back, never again will I have the opportunity to put my finger in an electrical socket, I mean, have you seen the size of my fingers nowadays? My parents have a lot to answer for. Perhaps they were thinking it would be better for me to keep most of my digits where they originally sprouted from as I (at the time did not realise) would need them later in life. What would be this occasion; this defining moment when I would need my fingers the most? My car! That’s it! I will need all of my fingers for my car! Every finger will be instrumental – depending on the occasion, of course - and I know it’s not just me (Mr angry Astra van man, I won’t be sending you a written invitation to cut me up like that again, but I see you’re well accustomed to that wrist action you displayed so gracefully – the next time I want to inflate my monster truck tyres with a hand pump I’ll give you a shout). Perhaps if we could gather enough 3D Lemmings together, we could set up enough Blockers and Turners to steer every car driver towards Cambridge. I think the 3D Lemmings could challenge the university graduates to a game of Blockbusters while we can park up at lawyer, Andrew Moody’s place so he can tell us more about steering.

Andrew Moody of Retail Motor Law
He’s a man who knows his decrees from his dollies; his writs from his welders and his addendums from his air-chisels. Indeed, Retail Motor Law‘s Mr Moody is a former panel beater who is calling for free trade in his former field. But he won’t be relying on 3D Lemmings. Instead, he is gunning straight for the attention of the government with a petition. “With the vehicle body repair industry widely adopting a recognised standard, there is no valid reason why consumers should not be able to use a repair business of choice, providing it has achieved and maintains a recognised quality standard,” he said in Heather Grant’s report, featured in the Motor Industry magazine.
But Andrew’s campaign is frowned upon by yes, you guessed, some insurance companies. They like to think they’re doing their policyholders the courtesy of removing reams and reams of paperwork, several trips to dodgy repairers and capping it off by saving them an arduous journey to bank the cheque should any part of their car get mangled in a fender bender. Of course, this has nothing to do with the insurance companies getting a good deal by having their own, ‘approved’ repairers. As a consumer, did you ever stop to think, ‘approved by who?’ How would an insurance company know whether or not a panel needs repairing or replacing? Just because they know a few celebrities between them (apart from that podgy, nodding dog) it doesn’t mean they know how to pin-pull a dent on a Discovery! Perhaps they should use the word, ‘nominated’ which would be a bit closer to the truth: the ‘chosen ones’. There’s no approval system apart from the agreement and facility to carry out the work and subsequently settle outstanding invoices. Approved for direct billing. “Insurance companies are in the business of restricting customer choice as much as possible in order to reduce their costs and I don’t think they are entitled to do that. They do not inform the customer of their rights, that is the right of choice,” explains Richard Brinklow, proprietor of Hillarys Coachworks in Tunbridge Wells. “Consumer law depends on customers having a fair choice to select the grade of business that suits their purpose, or a business that they have used before”¹.

Automotive Technician Accreditation
With the advent of the IMI‘s ATA standards, it’s about time our friends at the insurance companies looked at what many consumers are wising up to: personal service from local (or recommended) businesses. (I’m wondering if any of these insurance companies support the FSB’s Keep Trade Local campaign…). Can you imagine needing a routine surgical procedure and turning up at your local hospital only to be told by the ward manager to wait a couple of days as they flew in a cheaper surgeon? You’d probably beat your personal best on 3D Lemmings as you waited, but the thought of your convenience being spent for the gain of someone else is quite absurd. This is the basis of what Andrew’s allegation rests upon. Some of these insurance companies might as well drain your bladder as soon as you, ‘press 2 to report a claim’.
In my own line of work, I face similar problems on a regular basis but I’m not alone. Insurance restrictions are one of the most discussed subjects amongst my fellow professionals at The Automotive Glaziers Guild forum. Examples of policyholders being told to wait, on average, for three weeks for broken glass to be replaced is not an uncommon story. In these situations (where the policyholder may look to seek an alternative repairer) sanctions are often imposed which penalise the policyholder and restrict the (available) repairer from getting the damaged vehicle back on the road Bizarre? Andy Small of Firstglass Windscreens was recommended by a local Maserati dealership (his company has been sub-contracting for them for many years) but the vehicle owner was told (by his insurer) that he must use their own, preferred repairer. Yet (as if this hasn’t already given you an itchy head) many insurers will stipulate that the best available parts are used, using the best available products, techniques, etc. If some of the enforcers of these rules could only hear what they’re saying, I’m sure they’d be deeply embarrassed by the whole thing. Not saying all insurers are Shrek-like ogres, but I reckon there must be a lot of wax in them, there ears.
Commenting in a Pistonheads forum discussion, Anatol Poyer-Sleeman added, “Steering by insurers is probably the biggest issue in conventional body repairs at the moment.” The body repairer continued,“The bodyshop trade doesn’t really talk about customers, it talks about ‘work providers’, which is code for insurance companies.” But Tol feels there’s little benefit for the ‘non-approved’ repairer, despite the introduction of Publicly Available Standards ( “PAS” ) . The idea is that those that are keen on the scheme fork out loads of money to be assessed and – they hope - qualified as an accredited technician. Superb! We can now all qualify for insurance work, right? But underneath these raisin and Hershey’s-dark-almond-chocolate-Easter-rabbit overtones (breezed with raspberry-filled Dunkin Doughnut highlights) is an aftertaste: a raspy finish with a cutting splash of pickled onion vinegar. “PAS:125 is a connected issue – the standard is written in such a way that ATA qualifications are effectively necessary to get it; other qualifications that initially count magically expire for validity after 3 years,” explains Tol. “The gatekeeper to ATA is Thatcham – which is wholly owned by… *drum roll* the Association of British Insurers. What a surprise that inscos are pro-PAS”. There’s a lot more to this steering malarkey. It’s more like being sat on one of those driver-less monorails at Stanstead – as you’re ‘delivered’ to your gate, ready for departure. We must stop this. Immediately. But something a bit more controlled, rehearsed and subtle than a Keanu Reeves style, “There’s a bomb on the bus!”

"Turn left into that bodyshop"
Fighting out of the blue corner, extending his argument using jabs like a welterweight boxer, Andrew Moody claims that pressure-selling tactics are also applied to both policyholders and repairers alike. One example he gives is that a ‘work provider’ requires members of its network to ‘introduce’ a minimum of 10% of ‘non-blame’ parties. The ‘return’ this ‘provider’ expects for every 10 jobs is at least one ‘innocent party’. This appears to be just as inverted as the punctuation marks around the words used to describe the practice. “What’s more, if sufficient customers are not referred, then the repairer is penalised. Some have been docked £150 for every customer below the expected number”. But the opposite corner, the defending champions, are disputing our peoples champion’s claims. Their defence is that an approved repairer system works to the consumers’ advantage in a number of ways (not to mention the money they stand to save by pressing smaller repairers with their schemes). Engineering specialist Jon Parker talks the argument down with, “Trying to invoke legislation that will prevent insurers directing work into their approved networks is, in my opinion, futile, as the insurer is responsible for the repair and has a duty of care and corporate social responsibility to ensure methods of repair are correct.” It’s a good defence but can Parker guard against Moody’s contention? “In addition,” he supports “it is highly likely that insurers can obtain a cheaper repair from their own accredited networks. That’s just business. A policyholder who is directed to either a Kitemark or vehicle manufacturer-approved repairer by their insurer should receive the best possible repair”² (perhaps Mr Parker would like to get a whiff of that Maserati dealer’s macchiato machine as we send Andy Small down to serve him a Caramelised biscuit to help soak things up!).
There’s more pressure on the repairer and if the idea of good ‘business’ is to cut costs, the consumers’ detriment comes with the cutting of corners.
What next, insurers insisting that (in the name of ‘business’) the repairer fits second-hand parts? Oh no, wait…
Acknowledgements:
¹` ² Quoted from IMI Industry Magazine report by Heather Grant
Picture of Keanu Reeves and Sandra Bullock from the movie: Speed.