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Choice of repairer in car insurance

Should you choose your own repairer or use the insurers?

When you’re getting your car repaired, most Australian car insurance policies let you decide between choosing your own repairer or going with one of the insurer’s approved mechanics.

In both cases you will generally need to have repairs approved by the insurer ahead of time.

Why choose your own repairer?

If you have a vintage car, a prestige vehicle or something that otherwise needs a special touch from an experienced mechanic, it’s probably best to stick with your own repairer, especially if you’ve been with them for a while.

If there’s any one workshop or mechanic who knows your car better than anyone else then that could be the place to go. There’s something to be said for familiarity, and they’re also going to have an idea of the car’s service history.

Plus, you’d be doing your good friends at the workshop a disservice by not taking a job to them when it comes up.

Most of all, it can be convenient. The insurer’s approved repairer might be further away or might have a big backlog. You could be stuck without a car for longer than you need to be.

Why choose the insurer's repairer?

If you’re pretty indifferent either way, you might choose to just go with one of the insurer’s recommended, referred or approved insurers.

It’s usually a lot easier and more streamlined. You won’t have to go back and forth with quotes and whether or not fixes are justified, and you don’t have to worry about your insurance knocking back certain repairs, or only covering partial costs.

If your chosen repairer has quoted a higher price than the insurer’s then the insurer might ask you to pay the difference. You generally don’t have to worry about that if you go with the insurer’s approved repairers. This is because insurers and their repairers contact each other directly, so you can be more confident that repairs have been approved before they’re carried out.

But the most important reason is that the “lifetime repair guarantee” you’ll find with many car insurance policies will only apply to repairers that have been recommended by the insurer.

It makes sense. The insurance company obviously can’t vouch for the quality of every repairer but will happily stand by its own.

If the repairs fail or are botched in some way, the insurer can make it right. If you choose your own repairer and then those botched repairs end up causing damage to your car, it’s safe to say you won’t be able to claim that subsequent damage under your car insurance.

Filter for choice of repairer with these companies

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Market
Discounts: Save 24% on your policy if you've been claim free for 3 years.
Optional
Optional
Agreed or Market
Discounts: Buy online and save 15%.
Optional
Agreed or Market
Highlights: Emergency roadside assistance included in Comprehensive policies.
Optional
Agreed or Market
Highlights: Advanced anti-fraud technology allows you to claim and get paid instantly. Transforms your driving so it's 100% carbon neutral. Certified B-Corp for those that are ethically conscious.
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Optional
Agreed
Discounts: Save 15% when purchasing online. Plus receive up to 10,000 Velocity Points when purchasing a new eligible policy by 5 June 2019. Min 6 months policy. T&C’s apply.
Optional
Agreed
Discounts: Save up to 10% when you buy online.

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At the end of the day…

Unless you have a compelling reason to choose your own repairer and are confident in their honesty and skillfulness, you might be better off going with whoever the insurer suggests, and let them worry about it.

Using your own repairer has risks and downsides that using the insurer’s repairer doesn’t, so you need to have a good reason before making that decision.

There’s a common perception that an insurer’s repairers are more likely to skimp on materials and perform a more cut-rate job than your own trusted mechanics, but if you think about it that doesn’t make a lot of sense.

  • Thanks to that lifetime guarantee, insurers are financially responsible for bad repairs. If an insurer’s mechanic does dodgy work they’ll be costing the insurer a lot of money and will be dropped like a hot stone. If an independent mechanic does dodgy work they might just get some bad reviews.
  • The insurer’s mechanics aren’t always direct employees of the insurance company; often they are standalone businesses whose quality has been confirmed by the insurer. The insurer sends work their way precisely because they know it gets quoted accurately and is going to be done well. That’s a more valuable arrangement to the mechanic than however much time or money they might save by doing a dodgy job.
  • An insurer’s approved mechanic is probably under more scrutiny and has a clearer track record of their work. If one of them isn’t up to scratch, it’s going to stand out a lot more than a substandard independent mechanic.

Either way, the choice is yours. As long as you clear it with your insurer first.

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Picture: Unsplash

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