You Have the Right to Choose Your Own Repairer
Your insurer cannot force you to use their preferred repairer. NGARC is approved by all major insurers — and we handle every piece of paperwork so you don't have to.
Know Your Rights — It's Australian Law
Under the General Insurance Code of Practice and Australian consumer law, your insurer cannot force you to use a specific repairer. You have the right to choose any licensed repairer — including us.
- Your insurer may recommend a preferred repairer — you can decline
- If you choose your own repairer, the insurer must still pay the fair market cost
- Refusal to honour your right to choose can be escalated to AFCA at no cost
- We assert your rights on your behalf — you don't need to argue with your insurer
Step by Step
How the Insurance Claim Process Works
From lodging your claim to collecting your repaired vehicle — here is every step.
Step 1
Report & Lodge Your Claim
Contact your insurer and lodge your claim. Get a claim number — you'll need this when we contact them on your behalf.
Step 2
Choose NGARC as Your Repairer
Exercise your legal right to choose your own repairer. Tell your insurer you want North Geelong Accident Repair Centre — they must accept this.
Step 3
We Handle Everything
We contact your insurer directly, arrange assessments, and manage all paperwork. You don't need to chase anyone — we do it for you.
Step 4
Repairs Begin
Once your insurer approves the scope of work, our qualified technicians begin repairs. We update you at every stage.
Step 5
Vehicle Returned
We inspect the finished repair, clean your vehicle, then call you to collect. Ready to drive.
Approved Repairer
Insurers We Work With
Approved by all major Australian insurers. If yours isn't listed, call us — we'll work with them.
Not seeing your insurer? 03 4244 8938 — we accept all licensed Australian insurers.
We Take Care of It
We Handle the Paperwork — You Just Drop Off the Keys
Insurer Liaison
We contact your insurer directly and manage the entire assessment and approval process on your behalf.
Assessment Coordination
We arrange for the insurer's assessor to inspect the vehicle at our workshop — no extra trips for you.
Scope of Works Management
We prepare and submit the detailed repair scope, including any hidden or supplementary damage found during the repair.
Excess Explained Clearly
We'll walk you through how your excess works and when it's payable — no confusing fine print, no surprises.
Repair Updates
We keep you informed throughout the repair. You'll know exactly what stage your vehicle is at.
Dispute Support
If your insurer pushes back on anything, we'll advocate for you. Your right to choose your repairer is protected by law.
FAQ
Insurance Claim FAQs
Common Claim Repairs
Services We Repair Under Insurance
We Work With All Major Insurers
Trusted By Geelong's Insurers & Partners
Authorised Repairer & Member
