What should a vehicle body repairer be charging as a “minimum” rate? The “break-even” rate( the point where no profit is made but over heads are covered) I have calculated as being in the region of £28-£30 per hour. I believe body shops need to be charging circa £50 per hour to have a “Viable” business. How can Markerstudy Insurance in any way believe vehicles can be repaired at £27.50 an hour? I am also interested in how they can apply “conditions” to a “contract” after the sale without bringing to the attention of the consumer and “possibly” be breaching the 2015 insurance act? UNFCOG? ICOBS 5.2 OR ICOBS 2.1.1 “The CUSTOMER BEST INTEREST RULE? are Markerstudy “failing to indemnify their insured in breach of their contract?