In many cases you may be able to choose your own repairer for an approved insurance claim, depending on your policy and state. You're generally not locked into whoever your insurer first suggests.
Most comprehensive boat and caravan policies allow you to nominate your own repairer for an approved claim, subject to your policy's specific terms and the insurer's standard processes.
If your policy has any specific conditions around repairer choice, they'll be outlined in your Product Disclosure Statement: worth a quick check if you're unsure.
A lot of people assume they have to use whichever repairer their insurer puts forward, but for most comprehensive boat and caravan policies, that's not the case. You generally have the right to nominate your own repairer, which matters because fibreglass repair is a specialised trade, and the quality of the result can vary significantly between a generalist and someone who works specifically with marine and caravan fibreglass.
Insurers are still entitled to expect a fair, properly quoted repair, and in some cases may have their own preferred suppliers or processes, but choosing your own repairer for an approved claim is generally a standard part of how these policies work.
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Fibreglass repair is a specialised skill, particularly when it comes to matching gelcoat colour and finish, properly addressing structural damage rather than just patching the surface, and understanding the specific construction of boats and caravans.
A repairer with direct experience in this trade is more likely to identify underlying issues that a generalist panel shop might miss, and to deliver a result that holds up over time rather than needing to be redone.
If an insurer suggests their own preferred repairer instead, it's worth confirming your policy's actual terms around repairer choice. In most cases, you can still proceed with your preferred repairer as long as the quote is fair and reasonable.
If you feel your right to choose isn't being respected, the Australian Financial Complaints Authority (AFCA) is available as a path to raise a dispute.
If you need fibreglass repairs in Brisbane or South-East Queensland, get in touch with us today. We're happy to discuss your repair and provide advice on the best solution.
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Disclaimer: This information is general guidance only and is not financial, legal or insurance advice. Policy terms, exclusions and claim outcomes vary by insurer and individual circumstances. Always refer to your specific Product Disclosure Statement (PDS), or speak with your insurer or a licensed adviser, for advice relevant to your situation. LBM Fibreglass accepts no liability for any action taken in reliance on this general information.