Motorists are being urged to exercise caution when opting to use a repairer not approved by their insurer, with the South African Motor Body Repairers Association (SAMBRA) highlighting the potential financial and safety risks involved.
Juan Hanekom, SAMBRA’s national director and a constituent of the Retail Motor Industry Organisation (RMI), explains that while consumers legally have the right to choose their own repairer, doing so without considering the implications can be costly.
“Responsible insurers typically advise clients upfront about the risks of using a non-approved repairer and the consequences that may follow,” Hanekom says. “This isn’t merely about brand preference – it’s about protecting the consumer’s financial and safety interests.”
A recent case reviewed by SAMBRA illustrates the stakes. A taxi insurance policyholder was informed that choosing a non-approved repairer would result in the loss of key policy benefits, including income protection for the vehicle owner, coverage for additional repair costs discovered during repairs, reduced excess payments, and crucially, a guarantee on the quality of the repair work. While these stipulations may appear restrictive, Hanekom stresses that they exist to safeguard the policyholder and provide the best protection.
“Should a customer insist on using their own repairer, they must sign a waiver acknowledging the forfeiture of these benefits,” he notes. “This means if complications arise during or after repairs, or if further damage is uncovered, the insurer has no obligation to assist. Consumers are left entirely on their own.”
The importance of adhering to approved networks is particularly critical for vehicles still under warranty. “Repairs undertaken outside of an insurer’s approved network may not meet manufacturer standards, compromise safety, and reduce resale value,” Hanekom warns. “There is also no guarantee of quality or aftercare support if issues occur.”
To avoid these pitfalls, SAMBRA advises consumers to verify that their chosen repairer is accredited both by SAMBRA and listed on their insurer’s panel before authorising any repairs. Accreditation confirms that a repairer has undergone independent audits for quality, equipment, and training standards – ensuring that vehicles are repaired safely and correctly.
Hanekom’s advice to all vehicle owners is simple: “Read your policy documents carefully, understand the benefits you could lose by using a non-approved repairer, and don’t hesitate to ask your insurer for clarity before signing any waiver. Your insurer and repairer should both be working in your best interest. Cutting corners for convenience or speed can end up costing far more in the long run.”
SAMBRA’s message is clear: choosing the right repairer isn’t just about convenience – it’s about safeguarding your vehicle, your safety, and your financial peace of mind.
