Can I choose my own panel beater in South Africa?

Yes, motorists in South Africa generally have the right to choose their own panel beater, even when claiming through insurance.

Your right to choose

In South Africa, vehicle owners typically have the right to select their own repair workshop when their vehicle is damaged. This right exists regardless of whether you're paying for repairs yourself or claiming through insurance.

This is often unclear to motorists: you generally have the right to choose your repairer, even when claiming through insurance.

What insurers may tell you

Some insurers may encourage you to use their "approved" or "preferred" repairers. While this is often presented as a recommendation, it's important to understand that:

• You generally have the option to choose a different repairer
• The insurer's preferred repairers may offer certain conveniences
• Using a non-preferred repairer may require additional documentation

Practical considerations

When choosing your own panel beater, consider:

• Communication: Inform your insurer of your choice early in the claims process
• Quotations: Your insurer may require quotes from your chosen repairer
• Assessment: An assessor may still need to inspect the vehicle
• Guarantee: Understand who provides the workmanship guarantee—the repairer or the insurer

Questions to ask

Before committing to a panel beater, consider asking:

• What experience do they have with your vehicle make and model?
• What equipment and facilities do they have?
• What guarantee do they offer on their work?
• Are they familiar with your insurer's processes?

Last reviewed: January 2026