Q. If I’m VAT registered will I have to pay the VAT on the whole repair when making an insurance claim?

A. Yes, if the vehicle is a business asset and this would still be the case even if you were claiming directly from another person’s insurer. If you don’t know what being VAT registered means then you probably aren’t VAT registered! Please note that the VAT payable would be VAT on the whole repair cost, so for example if the cost of repair was £1000 you would need to pay (at current rates as of November 2018) £200 plus any excess applicable. However the VAT would then be claimed back on the next available return.