The best way to check is to review your Product Disclosure Statement (PDS) or contact your insurer directly. Look for phrases like “choice of repairer” — which gives you control — versus “preferred repairer”, which means the insurer chooses. Be wary of policies using terms like “choice of preferred repairer,” which can be misleading and still limit you to their partners.

If you're unsure, speak to your insurance broker or contact Sheen — we can help interpret what your policy allows.

According to an Australian Automotive Aftermarket Association survey, 87% of consumers prefer to have their vehicles serviced and repaired by independent repairers.

When you choose your repairer, you get to select a business that meets your standards for quality, service, and turnaround, not just one that's part of your insurer’s high-volume network. At Sheen, we work with all major insurers and prioritise expert repairs, genuine parts, and communication throughout the process.

This guide on what to ask your panel beater outlines precisely what to look for to help you choose the right provider.

Not all quotes or repairs are equal. Some insurers prioritise cost savings over quality, which can affect both the materials used and how long your car is off the road. When comparing repairers, ask whether they use OEM parts, offer a workmanship guarantee, and provide a replacement vehicle.

Our breakdown of key questions to ask when comparing smash repair estimates can help you make an informed decision.

Yes — mainly if your policy includes choice of repairer. Some insurers may try to direct you to their network even in not-at-fault accidents. You can choose Sheen as long as your policy allows it. We’ll prepare a quote for your insurer and help streamline the claims and approval process.

Yes — mainly if your policy includes choice of repairer. Some insurers may try to direct you to their network even in not-at-fault accidents. You can choose Sheen as long as your policy allows it. We’ll prepare a quote for your insurer and help streamline the claims and approval process.Choosing your own repairer does not automatically mean you’ll need to pay an excess. If the accident wasn’t your fault and the at-fault party is identified, you may not have to pay anything, depending on your policy.

In our guide to not-at-fault accident excess requirements, you can read more about when excess applies.

You can still bring your car to Sheen for repairs. While we can’t liaise with an insurer on your behalf, we’ll offer a competitive quote, help you understand your options, and provide the same level of service, including our lifetime guarantee on workmanship.