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Going straight to the 3rd party insurer enables you to keep control.
You can chose your own repairer too.
However I would only go to 3rd party if it is 100% their fault and have evidence to support this.
I’ve unfortunately had 2 instances this year and the latter one denied hitting me and...
74k on mine as a daily workhorse and touch wood no issues at all really. I’ve replaced both front wishbones, tyres and brakes and that’s pretty much it in the last 50k apart from oil changes.
I’m looking to get my seats rebolstered as they’ve gone a little flat but what do you expect when I...