[Savage GT]

I found them through an online broker last year, but TBH I can not recall if it was go compare, moneysupermarket or the meercats 

[Brumos RSR]

Do you purchase enough liability coverage to keep from being sued for your assets like your home and cash  or is that just a US thing? 

1. Is the coverage standard from company to company
   
2. Are you having supply chain issues for parts 
   
3. Are you seeing a large run up in charges from body shops 
   
4. Has their been a longe than average wait time for repairs
   

I’m asking for a friend 

[Savage GT]

Must be a US thing, at least it not something I have been aware of 

1.No
2. I wouldn't know, but I suspect some due to actual new cars having a backlog.
3. I wouldn't know, I used one a while back as My son dinged my door with his on the driveway on a windy day, prices were pretty reasonable I thought, more so as he paid them 
4. I don't think so.

Sorry, i've not been much help there 

[tatter06]

Do you purchase enough liability coverage to keep from being sued for your assets like your home and cash  or is that just a US thing? 

1. Is the coverage standard from company to company
   
2. Are you having supply chain issues for parts 
   
3. Are you seeing a large run up in charges from body shops 
   
4. Has their been a longe than average wait time for repairs
   

I’m asking for a friend 

Hi Brumos so in the UK the minimum amount of liability cover was set by a European directive and converted into UK legislation and for most people was plenty (approx £1.2 million) . All insurers also pay a levy that would compensate people injured by an uninsured driver. Most policies sold offer much more than the minimum, usually £5-10m. Due to the much less litigious nature and the fact claims can only be made for actual costs (or expected actual costs) this is usually enough, without going into too much detail however this won't be enough for very long and I expect the 'normal' amount of cover to rise to £20m, there will be little to no fanfare about this as its not something that is really a selling point in the UK.

1. Mostly yes as it is governed by rules and regulations however perks and freebies and insurers waiving their rights do vary from insurer to insurer - the fine print in more specialist policies such as the value of the vehicle and what happens to a car in the event of a total loss is much more variable, however for most insurance most people buy it is very similar.
2.yes
3.most insurers have networks of 'approved' body shops that will be working on a contracted rate so within the contract there isn't much scope to charge more. Of course at contract renewal time there will be a jump as the cost of living rises. Again this is most insurance that most people buy, specialist repairers won't be on a contract so can charge per job, usually this must be agreed with an engineer employed by (or contracted by) the insurer upfront, no doubt this will rise as everything usually does! 
4.yes, see point 2.

Just to emphasise this relates to the average man on the street buying average insurance that is basically a commodity at this point. Any high value, classic, unique, or unusual vehicle will have insurance that is more bespoke.

[Brumos RSR]

Must be a US thing, at least it not something I have been aware of 

1.No
2. I wouldn't know, but I suspect some due to actual new cars having a backlog.
3. I wouldn't know, I used one a while back as My son dinged my door with his on the driveway on a windy day, prices were pretty reasonable I thought, more so as he paid them 
4. I don't think so.

Sorry, i've not been much help there 

No worries as your answers made it tons of fun to read.  Tatters06, thank you for the insight to UK coverage.  Our liability minimums here vary from state to state to state and can be as low as 25k US and 5K for medical.  Pricing is all over the board as well,as service from the provider, which means you usually get what you pay for.  
We have huge supply chain issues for used cars, new cars and OEM parts which some insurance carriers require on a repair which may have a car sitting for months waiting on a headlamp for example creating a nasty pricing spiral as cars sit waiting for parts and insurance companies will not pay until the car is complete. 

OK back to slot cars