Choice of repairer is one of the most misunderstood parts of a car insurance policy. This guide explains what the term means, how to find out whether you have it, and what your options are when your insurer wants to direct your repair.
What choice of repairer means
Choice of repairer is a policy feature that lets you nominate the smash repairer who fixes your car, rather than being sent to one from the insurer's own network.
Some policies include it as standard, some offer it as a paid option, and some do not include it at all. It is worth checking before you need it.
How to find out whether you have it
Your Product Disclosure Statement is the authoritative source. Search it for the phrase choice of repairer.
You can also call your insurer and ask directly. If you are unsure what you are looking at, the answer is usually stated plainly in the policy summary.
If your policy does not include it
If you do not have choice of repairer, your insurer may direct your repair to a repairer in their network. That does not leave you without options.
You can still ask questions about the repair method, the parts being used, and the warranty on the work. You can raise concerns if you believe the repair is not being done properly, and insurers have a complaints process you can escalate through.
SmashX helps customers understand the process either way, including where the insurer is directing the repair.
Why the repairer matters
The quality of a repair affects safety, your manufacturer warranty, and the resale value of the car. Modern vehicles have structural design, sensors and driver assistance systems that need specific repair methods.
- Repairs carried out using manufacturer approved methods where possible
- Correct calibration of cameras and sensors after the work
- Appropriate parts for your vehicle
- A warranty on the workmanship
If you are not at fault
Where another driver caused the accident, your position on repairer choice is often different, because you are not necessarily bound by the terms of your own comprehensive policy.
This is one of the areas where getting advice early makes a difference. Eligibility and circumstances apply.
Common questions
How do I know if I have choice of repairer?
Check your Product Disclosure Statement for the phrase choice of repairer, or call your insurer and ask. Some policies include it as standard, others as a paid option.
Can my insurer force me to use their repairer?
If your policy does not include choice of repairer, your insurer may direct the repair to their network. You can still ask about repair methods, parts and warranty, and escalate concerns through their complaints process.
Does choice of repairer cost extra?
It depends on the insurer. Some include it as standard and others charge for it as an optional extra.
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Free Call 0468 088 838This guide is general information about the accident claims process in New South Wales. It is not legal or insurance advice, and it does not take your individual circumstances into account. Your policy wording and the facts of your accident determine what applies to you. Eligibility and circumstances apply.