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If you've had an accident don't get any repair work done until you have cleared it with your car insurance company first. It is possible to choose a car insurance company who have agreed car repairers, to save you driving around getting quotes. They normally gaurantee their work also.
Voluntary excess is an agreement you make with the policy provider to pay a higher percentage of excess at the time of an insurance claim. This also means it would be unlikely you would make a claim for a small amount of cash and risk losing your no claims bonus.
