It’s such a grubby industry.
My Abarth had a minor prang (while stationary & parked), which resulted in a bit of bumper damage and damage to two alloys.
An independent garage would have prepped & painted the bumper and had a specialist repair the alloys. Time off the road? One day. Maybe two depending on timings.
I went through the insurers who enforced their approved garage.
First, a perfectly road-safe & drivable car was picked up on a flat-bed.
Second, I am provided a rental car for an inexplicable 3 - 4 weeks while it was repaired.
I think the repair costs were in excess of £3k. Two alloy refurbs - even diamond cut - at the time say £150. Bumper respray £250.
And the lovely virtuous economic circle for the insurers, I have to declare it for 5 years, justifying their spiralling premiums.
The mafia couldn’t find a better racket. Expect perhaps GWR trains.