I`m in the body game and what mark and warren are talking about DEFINATLEY goes on although tbh insurance companies are the biggest pricks you`ll ever deal with in business.I`ve just had one assessor tell me that im taking the piss asking for £30per hour for repair work and he can get it done for £26 at the better bodyshops in swansea.,turns out to be a brown envelope job!!I always quote insurance at £35-£40 per hour as they question everything and some take up to 90 days to pay you,I had one question a 26pence discrepency on an invoice once....in their favour!!!they use delaying tactics at all times and some even ask for copies of invoices,after all its my good fortune if i get a discount not theirs,cunts,the lot of them.we always try to repair old parts if we can rather than buy new as sometimes you could end up laying out thousands on parts just waiting for them to pay you which is so hard in small business.I think marks doing it the right way by keeping his repaired stuff a bit under the radar as its so hard to turn a profit when your paying big overheads etc,you must be doing well to get that sort of a turnover, if your making 20% its 40k!!!