When your vehicle is damaged, it’s tempting to take it to a repairer you know or one that promises faster service. But did you know that using a panelbeater who is not approved by your insurance company could cost you far more in the long run?
At Pronto Panelbeaters, we care about your safety, your wallet, and your rights. That’s why we fully support the recent warning issued by the South African Motor Body Repairers Association (SAMBRA) regarding the risks of using non-approved repairers.
Understanding the Risks
While you have the right to choose your own repairer, there are serious implications if that repairer is not recognised by your insurer. According to Juan Hanekom, National Director of SAMBRA, responsible insurers always inform their clients about the consequences upfront. These consequences are not about limiting your freedom, they’re about protecting your financial interests and personal safety.
You Could Lose Crucial Benefits
One case cited by SAMBRA involved a taxi owner who chose a non-approved repairer. As a result, they lost access to key benefits such as:
- Income Protection: No cover for lost income while the vehicle was off the road.
- Reduced Excess: Higher out-of-pocket payments.
- Hidden Repair Costs: No cover for unexpected costs discovered during repairs.
- Repair Guarantees: No workmanship warranty or aftercare support.
In these situations, you must sign a waiver acknowledging that the insurer holds no further responsibility if things go wrong. That means no help, no backup, and no safety net.
Approved Doesn’t Mean Expensive, It Means Safe
Vehicles under warranty often require manufacturer-approved repairers. If you go outside the insurer’s approved network, you may:
- Void your warranty
- Lower your vehicle’s resale value
- Compromise your safety due to substandard parts or repairs
- Miss out on a quality guarantee
That’s a lot to risk just for a quicker fix or a cheaper quote.
How to Protect Yourself
Before authorising repairs, always ask:
- Is this repairer approved by my insurer?
- Are they accredited by SAMBRA?
- Will I receive a guarantee on the work done?
SAMBRA-accredited panelbeaters (like Pronto Panelbeaters) are independently audited for quality, equipment, and training. Choosing an accredited repairer means you’re ensuring your car gets repaired safely, correctly, and with support if things go wrong.
The Bottom Line: Don’t Cut Corners
While the freedom to choose your repairer exists, exercise it responsibly. Read your policy. Ask questions. Insist on clarity before you sign any waivers.
At Pronto Panelbeaters, we work with insurers to give you peace of mind, because we believe safety and service go hand in hand.