Rubbish. Again.

There are no "set" prices for "one man band" vs corporate companies. It's all to do with negotiated prices. I know SO many people in the game it's unreal; some work for themselves, some are company directors, etc. One "one man band" will be able to charge Norwich Union (for example) more than another - it's just down to negotiated prices. Autoglass and Auto Windscreens prices for the insurance companies are different aswell - I know, I've worked for both! As for them having unlimited cost, rubbish. As I already stated, Swift Cover, for example, are limited to a cost of £140. So if the job billed to them is £200, then they only pay £140 of it, and the customer foots the £60 (which in most cases is the excess). If the job cost is £1000, then Swift Cover pay £140, and the customer pays £860.

And there was never a "loop hole" - companies that did it take the hit themselves! Many a time when working at Autoglass we swallowed and excess. Not to get the business of the customer, but if we damaged something or whatever. Like if we fitted a screen, then noticed afterwards it was scratched. We'd offer the customer to not pay their excess. They're happy as they got it for free, and Autoglass were "happier" cas they didn't have to junk a £300 screen...