Cashless Garages in Gurgaon

Cashless garages are auto-repair facilities that have tie-ups with insurance companies. If your insured vehicle is damaged, you can get it repaired cashlessly at the network garages.

At Tata AIG, we have a vast network of 6900+ cashless garages spread all across the country. So, whether you are a resident of Gurgaon or any other city or town in the country, you can get your damaged vehicle fixed without worrying about the resulting bills. A significant portion of your expenses will be settled by Tata AIG, your insurance provider.

Please note that the cashless claims facility is only available for comprehensive car insurance holders. If you have third-party car insurance, you can consider upgrading to a comprehensive plan to avail this benefit.

How do Cashless Garages Work?

The working of cashless network garages is simple and straightforward. Here is how the process works:

Step 1: In case of any damage to your insured motor vehicle, immediately report the same to your insurance provider.

Step 2: Once your claim is registered, you can take your vehicle to the nearest network garage along with your policy papers. After your claim gets approved, your vehicle will be repaired by trained and registered professionals as per the policy terms.

Step 3: Once the repairs are done, your bill will be sent to your insurance provider for the final settlement.

Please note that the insurance company only pays for the damages covered in your car insurance policy. This means you need to pay for the additional repair and maintenance work out of your pocket.

Cashless Repairs: The primary feature and benefit of Tata AIG network garages is that they allow you to get your damaged vehicle repaired without bearing any financial strain. It means, you don’t have to worry about the hefty repair cost after meeting an unforeseen incident with your vehicle. A major portion of your repair expenses will be covered by us. You only have to pay for the agreed deductibles and any additional repairs beyond the policy inclusions.

Well-trained Professional: At our network facilities, your damaged vehicle is repaired by well-trained and registered auto mechanics. You can stay assured that your motor vehicle is in the right hands.

Wide Availability: With more than 6900+ network garages in India, Tata AIG offers an easily accessible cashless repair policy for insurance holders.

Quality Assurance: Another highlight of the Tata AIG cashless garages is that you get the finest quality repair service as per the industry standards. From authentic auto parts or repair and maintenance services, you get the best treatment for your vehicle.

Low Turnaround Time: No need to book appointments and wait for several days to get your car repaired. Tata AIG cashless garages offer faster and more efficient services with a relatively low turnaround time.

Here are the 3 simple steps:

Step 1: Go to our Garage Locator.

Step 2: Enter your city name as Gurgaon, along with your car’s brand.

Step 3: Click “Search” to retrieve the cashless garage list of Tata AIG.

Once you have done this, you will see a Tata AIG garage list in Gurgaon. Find the facility closest to your location.

Step 1: Begin by filling up the claim intimation form online.

Step 2: You will be given a claim intimation number after verification of your claim request.

Step 3: Our surveyor will visit your given residence to assess the damages to the insured vehicle. This is done to ensure whether or not the damages are covered under your car insurance policy.

Step 4: Now, take your damaged car to the nearest Tata AIG cashless garage in Gurgaon for cashless repairs. If your car has sustained major damage, you can request a pick-up from the selected network garage.

Step 5: Once the repairs are completed, the network garage will send the invoice to us for settlement.

Step 6: We will settle the repair bill directly with the network garage without having you involved in the process. Please note that you still have to pay your deductibles and additional repair/maintenance costs not covered by your policy.

Should I opt for a cashless or cash reimbursement claim? This is perhaps the most confusing decision for the insurance holders. If you are among those, here is a detailed comparison of both types of claims settlement:

• Easily available network garages.

• No need to make upfront payments.

• Minimal documents are required.

• Trusted and trained auto mechanics.

• High-quality services.

• Higher satisfaction and peace of mind.

• Fast and efficient repairs.

Accidental Damages: At Tata AIG garages in Gurgaon, you can claim accidental damages due to any event covered under your car insurance policy.

Damages Due to Fire and Natural Calamities: Any damages to insured vehicles caused by fire explosions and natural calamities such as earthquakes, floods, thunderstorms, etc., are also covered.

Theft Recovery Damages: You can also claim the resulting damages from a theft recovery of your vehicle.

Man-made Damages: Man-made damages caused by events such as vandalism and riots can also be claimed at Tata AIG network garages.

At Tata AIG, the chances of your cashless claims getting rejected are rare, provided that you submit accurate documents and follow the right procedure.

Even if your cashless claim gets rejected due to some reason, you can apply for a cash reimbursement claim. For this, you have to pay the repair bills on your own before initiating the process.

If you have any doubts or queries regarding our claims settlement process, feel free to contact our customer support team for required assistance.

How to File a Reimbursement Claim?

• Go to our Claims Page and report the incident to our team soon after experiencing it. Alternatively, you can also contact us via call or email.

• Get your vehicle repaired at any automobile repair facility of your choice.

• Pay for all your repairs, and make sure to get a detailed invoice.

• Now, register your claim and provide the Tata AIG claims settlement team with all the documents. The main requirements include your repair invoice, vehicle documents, policy documents, address proof, identity proof, policy papers, and a few more. In case of a road accident involving a third party, you are also required to provide a copy of your FIR.

• Our insurance officers will authorise the claim after verifying all your documents. Once this process is done, your reimbursement amount will be released based on the policy terms, and you will be notified of the same.

Learning about the main reason behind the rejection of cashless claims at Tata AIG cashless garages in Gurgaon will help you avoid them and ensure a smooth and successful claims settlement process. Having said that here are the common causes of claim rejection:

Incorrect/incomplete documents: Submission of incorrect or incomplete is a primary reason behind the rejection of claims at cashless garages.

Expired Insurance Policy: If you initiate the claim after your policy expires, it is likely to be rejected.

**Damage Due to Traffic Violation:**If your vehicle's damages are due to a violation of traffic regulations, your claim will also be rejected.

Voluntary Damage: Your cashless claim will not be processed if your vehicle has suffered voluntary damages.

Our extensive network of cashless garages in Gurgaon ensures a swift and efficient claims settlement process. Unlike cash reimbursement claims, you can get your vehicle repaired without worrying about the cost. It is a fast and straightforward process that offers the best value for your insurance policy.

We hope this article helps in resolving your doubts regarding cashless claims settlement. Further, if you have not purchased car insurance yet, it is the right time. Contact our team for insurance quotes.

If your existing four wheeler insurance policy is about to expire, consider car insurance renewal to avail the maximum benefits.