Cashless Garages in Delhi
Cashless Garages in Delhi
With an increase in traffic violations in Delhi, drivers need to take the necessary safety measures when commuting. This includes abiding by traffic rules and investing in a comprehensive car insurance policy.
To make it easier for insurance seekers in Delhi, Tata AIG has introduced easy online purchases and hassle-free car insurance renewal. However, in addition to these, an exciting feature that quickly became popular was cashless garages.
“Cashless” insurance essentially means that the policyholder need not make any upfront payments to repair their vehicle at any of their insurance provider’s network garages. This facility has significantly enhanced claim settlement convenience.
Let’s see how you can find Tata AIG garages in Delhi and understand cashless insurance in some detail.
What are Tata AIG Cashless Garages?
Under a cashless car insurance policy, you can get your car repaired without having to pay the cost of repairs upfront. At cashless garages, the bill is directly settled by the insurer with the vehicle repair facility.
However, this facility is only available under comprehensive car insurance and to avail of it, the policyholder must visit a network garage. You can select from the Tata AIG cashless garage list in Delhi to find the closest vehicle repair facility.
Let’s understand how cashless insurance works.
How Does Cashless Car Insurance Work?
For cashless claim settlement, the insurance holder first needs to inform us about the mishap and the damage to the insured vehicle. The vehicle can then be taken for repairs to any of the cashless garages of Tata AIG.
To find the nearest garage, you can refer to the Tata AIG cashless garage list in Delhi.
Then submit the policy documents to get approval on cashless repairs.
After your vehicle is repaired, share the invoice and the policy documents with us. We will then verify the documents and release the payment to the garage directly.
Key Features of Tata AIG Network Garages
Easy Claim Settlement: You need not worry about the vehicle repair bills because we will settle the bill directly with the garage
Garage Network: Cashless garages are authorised service centres that provide trusted service for repairs
Seamless Process: The cashless insurance process is designed to be seamless and hassle-free
Prompt Service: As we have a tie-up with network garage services and repairs under a cashless car insurance policy are completed quickly
Owing to these extensive benefits, insurance seekers look for the cashless facility when buying car insurance.
How to Find Tata AIG Cashless Garages Near Me in Delhi?
At Tata AIG, we offer more than 7500 garages across India.
You can use the Garage Locator to find the nearest cashless garage of Tata AIG.
Enter your city (in this case, Delhi) and the make of your car.
Once these details have been entered, click on the “Submit” button and you will then be able to see a list of garages.
Alternatively, you can dial the toll-free helpline number 1800-266-7780 to find the closest vehicle repair facility.
How to Claim Cashless Services at Tata AIG Network Garages in Delhi?
Step 1: In the case of repair or accident, inform us about the incident
Step 2: Check the cashless garage list of Tata AIG and tow your vehicle to the closest vehicle repair facility
Step 3: The damage will be assessed by an appointed surveyor, following which the policy documents are filed for cashless repair approval
Step 4: A confirmation of the approved amount is shared with the garage owner, and you
Step 5: The garage will undertake repairs up to the approved amount, and we will settle the bill on your behalf
Cashless Claim Vs Reimbursement Claim – Which is Better?
Claim settlement is a critical element of car insurance. Essentially, there are two kinds of claim settlement processes: reimbursement claims and cashless claims.
| Category | Reimbursement Claims | Cashless Claims |
|---|---|---|
| How does it work? | In reimbursement claims, your bills are reimbursed by your insurer after a claim has been raised. This means repair expenses have to be initially borne by the insurance holder and then filed for reimbursement to settle the amount with the insurer after deducting voluntary and compulsory deductibles. | Under cashless claims, the policyholder need not pay for the repairs as the bill is settled directly between the insurer and the network garage. The only thing the insurance holder has to pay for are the voluntary and the compulsory deductibles. |
| Main Advantage | You need not worry about finding a network garage and can get your vehicle repaired at a facility of your choice. This comes in handy during emergencies. | You need not worry about the repair bills and expenses as your insurance provider directly settles these by paying the garage on your behalf. |
| Main Disadvantage | You will need to carefully store all the repair bills, invoices, receipts, etc., as these are essential during the verification process of claim settlement | If the garage you have chosen does not fall under the insurer’s network facilities, the repair bills will have to be borne from your pocket |
| Duration of Claim Settlement | The claim settlement process is slightly longer when compared to cashless claims, as the policyholder first pays for the repair services and then files for a reimbursement | The turnaround time for claim settlement is much lesser as the bill is settled directly by the insurer with the network repair facility |
| Documents Needed | Several documents need to be submitted, along with repair bills, invoices, payment receipts, and documents of verification such as ID proof, address proof, etc. | The paperwork for cashless repairs is significantly less as most conversations and transactions happen online. The insurer will only need to share their ID and address proof, along with a few other essential documents |
Benefits of Cashless Garages of Tata AIG
You can rest assured as Tata AIG directly settles the repair bills on your behalf. This can be particularly beneficial during heftier bills.
Cashless insurance ensures a seamless claim settlement experience, as the process is easy and quick
The tie-ups we have with network garages ensure a streamlined process with quick service
We partner with reputed garages that have a reliable history to ensure that your vehicle receives the best treatment with genuine spare parts and superior servicing
As most conversations and transactions are done online, the documentation for cashless insurance is much lesser
Repair costs are controlled as we have pre-negotiated prices with network garages
Ongoing support is provided throughout the process so the policyholder does not have to worry about the repairs
It is a transparent process as there is open contact between the three stakeholders: the insurer, the policyholder, and the garage
What Expenses Can Policyholders Claim at Tata AIG Garages in Delhi?
Insurance holders can avail of a wide variety of repair services under Tata AIG’s comprehensive car insurance. These include:**
Accident repairs: If your vehicle sustains damages owing to an accident, the repair costs are handled by your car insurance
Theft recovery repairs: If any repairs need to be undertaken for a stolen vehicle that has been recovered, your insurance will compensate for these
Natural disasters: In the event of natural disasters such as earthquakes, floods, lightning, etc., if your vehicle is damaged, you can repair it by raising a claim against your car insurance policy
Man-made disasters: If your vehicle is damaged owing to terrorism, riots, or strikes, your insurance will take care of the repair expenses
Fire: Repairs required because of fire-inflicted damage, including self-ignition, explosions, and lightning, are covered under your car insurance policy
Third-party liabilities: If your vehicle has caused any damage to a third-party person or property, then the liability is covered under your comprehensive car insurance
Insurance seekers also have the option to strengthen their basic coverage by choosing from a list of Tata AIG’s unique add-ons. Here are some popular add-ons:**
Zero Depreciation: With a Zero Dep add-on cover, you can file a claim for damages and receive the complete sum insured without the deduction of the depreciation.
Also Read: Zero Depreciation Meaning
Return-to-Invoice: Under this add-on, when a claim is raised for a total loss of your insured car due to theft or complete damage, the difference in the purchase cost and the compensation amount is reimbursed
Engine secure: With this add-on, you can repair or replace your car’s engine without incurring extra cost
What to do if your Car Insurance Claim Gets Rejected at a Cashless Garage?
If your cashless claim is rejected, you can simply file for a reimbursement claim. Here’s how:
Inform us about the damage to your insured car
After claim registration, take your car to a vehicle repair facility of your choice
Once your car is repaired, pay the repair bills at the garage from your pocket
Share your repair estimates, invoices, receipts, and other essential documents for verification
Once the claim is verified, the reimbursement process is initiated
Reasons Your Cashless Claim Could Get Rejected at Tata Cashless Garages
Driving without a valid driver’s licence
Driving when intoxicated or under the influence of drugs
Expired car insurance cover or filed premium payment
Non-disclosed modifications made to the vehicle
Fraud claims or false information provided in the claim form
Not submitting the essential documents for verification
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Is every car insurance eligible for cashless repairs?
Is every car insurance eligible for cashless repairs?
Yes, every comprehensive car insurance policyholder can avail of the cashless garage facility
Is the quality of repairs different at the network and non-network garages?
Both network and non-network garages can offer good service. However, network garages come with an added layer of security as the insurance company authorises them.
What happens if the repair cost exceeds the coverage limit?
If the repair cost exceeds the coverage limit, the vehicle owner will have to pay the excess upfront
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