An insert for the attachment of objects to composite or plastic panels consists of two parts, a retainer and an insert. The retainer has a through-hole and knurls on its perimeter for gripping the walls of a receiving hole in the composite or plastic panel. The insert has multiple self-clinching features at increasing diameters which when inserted into the retainer rigidly attach it to the retainer. The panel is rigidly clamped between opposite sides of the panel by an enlarged head of the retainer and an opposing flange on the insert. The self-clinching features of different diameter permit the device to be used with panels of different thickness and allow a large tolerance range. A plain or threaded stud can be substituted for the threaded hole of the insert. Both the retainer and the insert can be metallic.