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I'm unaware of any insurer who OWN a fleet of vehicles, they generally have Bi lateral agreements in place with large hire companies.
The issue falls when the claimant REFUSES repairs via their own insurers or by the defendant insurers and simply head straight down the CMC route and as such exposing themselves and insurers to excessive bills via CREDIT hire.
This real issue is the fact some claimant solicitors will willingly add these charges to the MOJ portal to simply get the claim removed from the portal if the value is not agreed, its a tried and tested method and there's 1000's of on going cases relating to this exact practice