Cashless Car Insurance

As the name suggests, cashless car insurance is a product that enables you to get your car repaired without having to pay any of the corresponding bills. It is important to note that you can avail of the cashless car insurance facility only if you get your car repaired at one of our 7,500+ network garages across India.

With a cashless car insurance policy, you can simply get your car repaired at the nearest Tata AIG network garage, and we shall settle the bill for the repair expenses directly with the garage. All you need to do is inform us as per the timelines prescribed in your online cashless car insurance policy and file a cashless claim.

One of the important things you need to remember is that a certain part of your car insurance claim, irrespective of whether it is a cashless claim or a reimbursement claim, will have to be borne by you. This amount is determined by the car insurance deductible you agree upon whilst purchasing your cashless car insurance policy. Therefore, we will only pay the net amount after the deduction of the aforementioned deductible.

If you are wondering how to benefit from your cashless car insurance policy, here are the steps to file a cashless claim should you need to.

• Register Your Claim

The first step to avail of our cashless car insurance benefit is to register a claim on our website. You can also file a car insurance claim by sending us the claim form via email or post. At any point during the claims process, should you hit a roadblock and require any assistance, you can reach out to our team of claim experts by phone (1800-266-7780), WhatsApp (+91-9136160375), or email (customersupport@tataaig.com).

Here is the information that needs to be submitted whilst filing your cashless car insurance claim.

• Your four wheeler insurance policy number;
• Personal particulars, including name, address, and Driving License details;
• A brief description of the events resulting in the damage to your car;
• A copy of the First Information Report filed with the police in the event of accident-induced damage to your car.

If the car insurance claim is an accidental claim, you shall also be required to detail whether any third-party person or third-party property was harmed during the accident. This information is vital to the submission and settlement of the claim. After entering all the necessary details on our online claim submission portal, click on 'submit'.

• Get the Claim Intimation Number

Once your car insurance claim has been registered with us, we shall provide you with a Claim Intimation Number. You must make a note of this number as it will be used in all our claim-related correspondence to follow.

• Cooperate With the Car Inspector

After issuing a Claim Intimation Number to you, we shall assign a Car Inspector or Car Surveyor to visit your car to conduct a thorough examination of the damages sustained by your car and enquire about the reasons thereof. It is advisable to co-operate with the aforementioned official and provide them with the information they request.

Once the assigned Car Inspector/ Surveyor has inspected your car, they will check your car insurance claim to identify any discrepancies between the inspection and the claim particulars. If they are satisfied with the result of the car inspection and the details mentioned in the claim, they shall approve the claim and detail the quantum of damage sustained by your car.

• Take Your Car to a Tata AIG Network Garage as Scheduled

After perusing the report submitted by the Car Inspector/ Surveyor, we shall schedule a visit for your car at one of our network garages for the required repairs to be completed. Should you wish to opt for a non-network garage, you can. However, in such a case, you shall have to pay the bill for the repair expenses and file a reimbursement claim with the necessary documents within the prescribed timeline.

• Get Your Car Repaired

The next step is to take your car to the selected network garage at the scheduled time and have it repaired by the team of experts there. Once the repairs are done, the network garage will share the bills with us.

• No Bills For You

There is no next step except taking your car home. We will handle the process of the settlement of the repair expenses with the concerned network garage.

The facility of cashless car insurance has been designed to make the process of car repairs and claims easier and more customer-friendly. With the flexibility to file online four wheeler insurance claims, you can easily schedule an appointment for your car to be repaired at one of the Tata AIG network garages and leave the worries about the bills to us.