Cashless Garages in Chandigarh

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Cashless Garages in Chandigarh

Chandigarh is the shared capital city of the Indian states of Haryana and Punjab. The city has a well-connected roadway network and residents use two and four-wheelers for commuting.

For all four-wheeler owners in Chandigarh, having a 3rd party car insurance policy is not just a legal requirement under the Motor Vehicles Act of 1988, but also a crucial step to avoid fines and penalties from the authorities. This is why many individuals in Chandigarh invest in car insurance policies.

Many attributes, such as coverage, premium, etc., need to be considered while buying a car insurance policy. One such factor is network cashless garages. In this guide, we will learn in detail about the Tata AIG cashless garage list in Chandigarh.

What are Tata Cashless Garages?

Cashless garages offer cashless repair services to policyholders. The insurance provider settles all repair bills directly with the garage.

These are the garages that have partnered with the insurance provider and offer cashless services to comprehensive and standalone own damage car insurance policyholders.

How do Cashless Garages Work?

  • The step-by-step procedure of how a cashless garage works is listed below:

  • In the cashless claim process, policyholders need to notify us (Tata AIG) or our representative about the accident.

  • We will send the surveyor for the vehicle inspection.

  • Once the inspection is done, based on the surveyor’s report, the claim is approved.

  • After that, the vehicle is sent to the network garage in Chandigarh for repair.

  • Once the repair of a vehicle is done the repair bills will be settled by us directly with the network garage.

Key features of Tata AIG Network Garages

Tata AIG network garages have made the claim settlement process easy for the policyholder. Below are some of the critical features offered by Tata AIG cashless garages in Chandigarh.

Trained Professionals and Specialists: One significant feature of the Tata AIG network garage is access to trained professionals and specialists. We have tie-ups with garages that have well-known professionals working on their teams, which ensures high-quality repair.

Cashless Repair and Replacement: Another crucial benefit offered by the Tata AIG network garage is cashless repair services. Policyholders do not have to pay anything to the network garage for the repair and replacement of the vehicle. The bills will be settled by Tata AIG directly as per the policy terms and conditions.

Quality Assurance: Another challenge individuals face while repairing their vehicle in any garage is the use of fake auto parts. In the Tata AIG network garage, policyholders will be assured of the quality of parts and materials used for vehicle repair.

Fast Repairs: Another significant feature offered by Tata AIG network garages is fast repair services. We ensure that the policyholder's vehicle will be up and running within a committed time frame.

Easily Accessible: Tata AIG has a network of 6900+ cashless garages for cars and 4200+ cashless garages for bikes across the country. Finding the network garage in the preferred region is easy. Individuals enter their city on the garage locator page, and all the network garage addresses will be displayed on the screen.

How to Find Tata AIG Cashless Garages Near Me in Chandigarh?

To find the cashless garage list of Tata AIG in Chandigarh, individuals need to follow these **Steps.

Step 1: Visit the Tata AIG garage locator page.

Step 2: Enter the city, i.e. Chandigarh, and valid make.

Step 3: After entering the details, click on the "Search" button.

Step 4: The portal will display the Tata AIG cashless garage list in Chandigarh.

How to Claim Cashless Services at Tata AIG Garages in Chandigarh?

The cashless claim process offered by Tata AIG is straightforward. Below are the **Steps policyholders need to follow to avail of the cashless service.

Step 1: After the incident, policyholders need to notify the Tata AIG representative by filling out a claim intimation form.

Step 2: We will verify the claim request upon receipt of the intimation and, upon approval, assign a claim intimation number.

Step 3: After that, a surveyor will be sent to inspect the vehicle for damage and loss and if the damage falls under the four-wheeler insurance coverage.

Step 4: Once the inspection is complete, the damaged four-wheeler will be sent to the nearest Tata AIG network garage in Chandigarh for repair.

Step 5: After the repair is done, the garage will send us all the repair and parts invoices directly. We will settle the bills with the garage owner.

Cashless Claim Vs Reimbursement Claim – Which is Better?

There are two types of claim processes in car insurance policy - cashless claims and reimbursement claims. Let's understand the difference between both in detail.

Key Factors Cashless Claims Reimbursement Claims
Definition  In a cashless claim process for four-wheeler insurance, policyholders can repair their damaged vehicle in a network garage without paying any cash. It is a type of claim process in which the policyholder is reimbursed for the four-wheeler repair done in any garage.
Advantage In this type of claim process, policyholders don't have to worry about financial expenses. In the reimbursement claim process, policyholders can take their vehicle to any garage of their choice.
Disadvantage The policyholder doesn't have a choice to take the vehicle to any garage. They are only allowed to take vehicles for repairs in the listed Tata AIG network garages. Policyholders must bear the financial expenses for the repair. Additionally, to get the reimbursement amount, individuals need to submit all the documents and claim forms which can be time consuming and tedious. 
Duration The duration of claim settlement in cashless claims is short as Tata AIG directly settles the bills. The reimbursement process takes a long time due to extensive paperwork.
Documents Required In the cashless claim settlement process, policyholders only need to submit the policy details, claim form, ID proof, etc. Policyholders need to submit the policy document, repair bills, parts bills, a copy of FiR, and other additional documents requested by Tata AIG representatives.

Benefits of Cashless Garages of Tata AIG

The cashless garages of Tata AIG offer several advantages.

  • Policyholders don't have to pay anything for repair at the network garages.

  • Tata AIG offered a network of 4200+ for bikes and 6900+ for cars all across the country. It is easy to find a network garage in a nearby location.

  • The cashless claim process is easy and with minimal paperwork.

  • Individuals can get the cashless claim approval immediately.

  • Policyholders will get access to authorised and trusted mechanics.

What Expenses Can Policyholders Claim at Tata AIG Garages in Chandigarh

There are various types of damages and losses, policyholders can claim at Tata AIG garages in Chandigarh. However, you must remember that only comprehensive and own damage policyholders can opt for cashless claims, if you own a 3rd party car insurance policy, a cashless claim is not available.

Accidental Damage: If an insured four-wheeler is damaged due to an unforeseen accident, it will be repaired at Tata AIG network garages.

Natural Disaster Damage: Any damage to insured vehicles caused by a natural disaster, such as a flood or earthquake, is eligible for repair at a network garage.

Man-made Disaster Damage: Vehicle damages caused by man-made disasters such as riots, vandalism, strikes, etc., are eligible for Tata AIG network garages.

Fire Damage: Under this, all the damages that are caused to the vehicle due to fire occurrences such as self-ignition, explosion, etc

Theft Recovery: If the vehicle has been recovered after theft and has damages, it is eligible for repair in Tata AIG's cashless garages.

What to do if your Car Insurance Claim Gets Rejected at a Cashless Garage?

If the cashless claim for insurance for a four-wheeler is rejected, policyholders can apply for reimbursement claims. Besides this, in case of any assistance or queries related to the claim process, individuals can reach out to the customer support team.

How to File a Reimbursement Claim?

  • Visit the Tata AIG website or inform the representative about the incident.

  • Fill out the claim form explaining the details of the damage and submit it to the website.

  • If the claim request has been accepted, take the four-wheeler for repair in any garage.

  • Once the repair has been done, submit all the documents, such as repair bills, policy documents, etc, on the website.

  • Tata AIG representatives will verify all the documents.

  • Upon the successful verification, we will initiate the claim amount as per the four-wheeler insurance policy condition.

Reasons Your Cashless Claim Could Get Rejected at Tata Cashless Garages

Even after careful consideration, there are certain instances where individuals' cashless claim requests get rejected. Some of the reasons for rejections are:

  • If the policyholder is driving a four-wheeler without valid documentation such as a driving licence, RC, etc.

  • If the information provided in the four-wheeler insurance claim form is incomplete.

  • If there is any discrepancy in the submitted documents.

  • If the request for a claim has been raised after the time limit.

  • If the policyholder raises a claim for damages and losses that are not covered under the policy.

  • If the damages are caused to vehicles while driving under the influence of intoxicating substances.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

What are the benefits of cashless car insurance claims?

What are the benefits of cashless car insurance claims?

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The cashless car insurance claim allows policyholders to repair their vehicle in a network garage without paying anything. The repair bill will be settled by the Tata AIG directly to the garage owner.

How long does it take to get a cashless claim?

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Policyholders must inform Tata AIG about the incident and submit a cashless claim form. Once the cashless claim form request is accepted, they can take their vehicle for repair to any network garage. The approval process usually takes 3 to 4 hours.

Is a cashless claim benefit available on every four-wheeler insurance?

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The cashless claim benefit can be availed under a comprehensive and standalone car insurance policy offered by Tata AIG.

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