SAMBRA cautions motorists about using non-approved repairers

Published Date: 10/28/2025
Source: The South African Motor Body Repairers Association (SAMBRA)

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The South African Motor Body Repairers Association (SAMBRA), a proud association of the Retail Motor Industry Organisation (RMI), is again warning motorists to be cautious when opting to use their own repairer instead of one accredited by their insurer.

 

Juan Hanekom, national director of SAMBRA, a constituent association of the Retail Motor Industry Organisation (RMI), says that while consumers have the right to choose their own repairer, it’s vital to understand the implications and complexity when that repairer is not recognised by their insurer.

 

“Responsible insurers will typically advise clients upfront of the risks of using a non-approved repairer and the resultant consequences,” he explains. “This isn’t just about brand preference - it’s about safeguarding the consumer’s financial and safety interests.”

 

In one recent case reviewed by SAMBRA, a taxi insurance policyholder was clearly informed that choosing a non-approved repairer would result in the loss of several valuable benefits under their insurance policy. These included income protection (which covers lost income while the vehicle is off the road), reduced excess payments, coverage for additional repair costs discovered during the repair process, and importantly, a quality guarantee on the repair work. Although this could be seen to restrict consumer choice it ultimately incentivises the consumer to choose a path that provides him/her with the most rights, protection and support.

 

“However, if a customer insists on using their own repairer, they are required to sign a waiver acknowledging that they forfeit these benefits,” Hanekom says. “This means that if anything goes wrong during or after the repair, or if further damage is discovered, the insurer has no obligation to step in. Consumers are left entirely on their own.”

 

He stresses that while the freedom to choose a repairer exists, it must be exercised responsibly and with full understanding of the consequences. While a vehicle is under warranty it requires repairs from a repairer who is ‘manufacturer approved’ and an insurer will direct the consumer as indicated. “Repairs undertaken outside of an insurer’s approved network may not meet manufacturer standards, may compromise safety, and can reduce the resale value of the vehicle,” says Hanekom. “Most importantly, there is no quality guarantee or aftercare support if problems arise.”

 

Hanekom encourages consumers to always check whether their chosen repairer is accredited by both SAMBRA and is on their insurer panel before authorising repairs. “Accreditation ensures the repairer has been independently audited for quality, equipment, and training standards,” he adds. “It’s the best way to protect your vehicle investment and ensure that repairs are done safely and correctly.”

SAMBRA’s message is clear. Always read your policy documents carefully, understand what benefits you stand to lose if you choose a non-approved repairer, and don’t be afraid to ask your insurer for clarity before signing any waivers.

 

“Your insurer and your repairer should both be working in your best interest,” concludes Hanekom. “Cutting corners for convenience or a quick turnaround can end up costing you far more in the long run.”