What to check before authorising repairs

Important considerations before giving the go-ahead for vehicle repairs.

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Review the assessment report

Before authorising repairs, request a copy of the assessment report and check:

  • All visible damage is documented
  • Parts specified match your vehicle (OEM vs aftermarket)
  • Repair methods are appropriate for the damage type
  • ADAS recalibration is included if applicable

Understand your repair options

Key questions to ask:

  • New vs used parts: Will new or salvaged parts be used? Your policy may specify this.
  • OEM vs aftermarket: Original equipment manufacturer parts or alternatives?
  • Repair vs replace: Is the repairer planning to repair damaged panels or replace them entirely?

Know your choice of repairer

In South Africa, you have the right to choose your own repairer. Before authorising:

  • Confirm which repairer will do the work
  • Understand if using a non-preferred repairer affects your warranty
  • Ask about the repairer's experience with your vehicle type

Check the timeline

Before proceeding, clarify:

  • Estimated completion date
  • Parts availability and potential delays
  • What happens if additional damage is found
  • Courtesy car arrangements (if included in your policy)

Confirm excess payment

Understand your financial obligations:

  • Your excess amount and when it's payable
  • Any additional excess (e.g., for young drivers)
  • Whether excess recovery is possible if you weren't at fault

Get it in writing

Before authorising, ensure you have written confirmation of:

  • Scope of approved repairs
  • Parts to be used
  • Warranty on repairs
  • Total cost (and what you'll pay)

Key takeaway

Taking time to review the repair plan before authorising can prevent misunderstandings and ensure your vehicle is repaired to your expectations. Don't feel pressured to authorise immediately—a reputable repairer and insurer will allow you time to review.

Compare panel beaters before you decide

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Last reviewed: January 2026