Cashless Garages in Hyderabad

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Cashless Garages in Hyderabad

Insurance seekers consider several factors for an informed decision when investing in car insurance. One such pertinent element that plays an important role when you have to raise a claim against your car insurance policy is cashless garages.

Cashless garages are vehicle repair facilities that have a tie-up with insurance providers to offer cashless services for policyholders.

Several Tata AIG garages in Hyderabad offer insurance holders the convenience of availing repair services without the hassle of paying out of their pockets and then claiming reimbursements.

What are Tata AIG Cashless Garages?

  • Cashless garages are a network of vehicle repair facilities where customers can avail of services without having to make payments upfront.

  • With the car insurance policy by Tata AIG, the repair bill for the garage will be directly settled if the policyholder avails the services at any of Tata AIG’s network garages.

  • In the unfortunate event of an accident, if your vehicle sustains any damage, Tata cashless garages can come to your aid to speed up the claim settlement process.

  • Now that we know what cashless garages are let’s understand how they work.

How do Cashless Garages Work?

When an insurance seeker invests in a car insurance policy, they are informed of the cashless garage list of Tata AIG that they can visit for cashless repairs. If you have purchased car insurance online, you can even see this list of cashless garages of Tata AIG on the website.

Here’s how the cashless insurance facility works:

  • Inform us of the accident and fill out the claim intimation form

  • We will then assess the extent of the damage through an appointed surveyor

  • For the cashless facility, you will have to find a garage that is a part of the authorised network

  • The garage will repair the damages and send the bill to us. The bill will be settled except for any deductibles or non-covered parts of the policy, which will have to be cleared by you.

Key Features of Tata AIG Network Garages

  • Tata AIG has enabled cashless claims through the cashless garage list of Tata AIG. Here are some of its key features:

  • The policyholder need not worry about a hefty repair bill as it is paid by the insurance provider to the repair facility directly

  • Tata AIG has more than 7500 garages across India where policyholders can avail of cashless auto insurance

  • As the repair bill is directly settled between the insurance provider and the garage, the procedure is both quick and hassle-free eliminating the procedure of having to raise a claim. This offers some peace of mind in distressing scenarios of accidents or vehicle malfunctions.

  • The tie-up between the insurance provider and the network garage ensures quick repairs

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

Cashless garages are an important element of vehicle insurance. Tata AIG garages in Hyderabad are authorised to repair the insurance holder’s vehicle. So, if your car is repaired from any of these network garages, you need not pay any money to the garage as your cashless car insurance will pay for the expenses incurred.

There are more than 7500 garages under the Tata AIG network.

  • To get a Tata AIG cashless garage list in Hyderabad, you can visit the website and use the GARAGE LOCATOR.

  • Here, enter your city (in this case, Hyderabad) and the make of your car before clicking on the search button.

  • This will open up a list of garages and you can choose the one that is nearest to your location.

  • Conversely, you can also dial the toll-free helpline number 1800-266-7780 to know Tata AIG garages in Hyderabad and find the nearest available repair facility.

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

Here is how one can avail of the cashless car insurance service in any of the network garages of Tata AIG:

  • If your insured car is damaged owing to an accident, you will need to inform us and specify the parts that are most damaged.

  • Then, you can get your vehicle towed or drive it to the nearest Tata cashless garage.

  • At the garage, the vehicle is surveyed for damage, and the policy documents are filed to receive approval for cashless repairs

  • A confirmation of the approval amount is shared with the policyholder and the garage owner

  • The garage will then get the repairs up to the approved amount, and Tata AIG will settle the bill with the repair facility

  • The insurance holder will only have to pay for the repairs that are not a part of their car insurance policy.

Cashless Claim Vs Reimbursement Claim – Which is Better?

When it comes to a car insurance policy, there are essentially two main types of claim settlement process: cashless claims and reimbursement claims.

Let’s compare both so you can choose which is more suitable for you:

Key Factors Cashless Claims Reimbursement Claims
What is it?  For cashless claims, the vehicle repair bills are cleared directly by the insurance company to the repair facility  Under reimbursement claims, the claim amount is reimbursed to the policyholder after voluntary and compulsory deductibles
Primary Advantage You need not worry about having to pay the repair bill and having to arrange the money as the insurance company settles it directly  You are free to choose a garage of your preference and are not restricted to choose from the network list of your insurance provider  
Primary Disadvantage If the repair facility is not a part of the insurance company’s network, you will have to pay for the expenses from your pocket For a smooth claim settlement process, all the relevant documents and bills regarding repairs will have to be stored
Duration of Claim Settlement As there is already a tie-up between the network garage and the insurance company, the duration of claim settlement is much faster. The entire process can be wrapped up in a few hours as the bills are cleared directly by the insurance provider to the repair facility. The turnaround time for claim settlement is longer as the policyholder will first have to clear the repair bills and then raise a claim against their policy with the supporting documents. Then they will have to wait for verification, after which their claim will be settled. 
Documents Needed You will only need ID proof, address proof, and, in the event of an accident a few forms filled with the help of the TPA (Third-party Administrator).  For reimbursement claims, the policyholder will be expected to submit repair estimates along with bills and other essential documents such as FIR (in case of an accident), RC, etc., for verification

Benefits of Cashless Garages of Tata AIG

No need for upfront payment as the bills are cleared directly between the garage and Tata AIG, which affords the policyholder peace of mind

  • Quick and seamless process with minimum paperwork

  • Tie-ups guarantee prompt service owing to streamlined claim and repair procedure

  • Superior quality care for your vehicle with genuine spare parts and excellent servicing

  • Insurance companies control repair costs and network garages have pre-negotiated prices

  • Easy documentation and transparent claim settlement procedure

What Expenses Can Policyholders Claim at Tata AIG Garages in Hyderabad?

At Tata AIG network cashless garages, policyholders can avail themselves of a broad spectrum of repair services covered under their comprehensive car insurance policy. These covered repairs typically include:

Accidental Damage Repairs: Any damage to the vehicle due to an accident is covered. This encompasses repairs or replacements of damaged parts of the car.

Theft Recovery Repairs: If a stolen vehicle is recovered and requires repairs, those repairs would be covered under the policy.

Natural Disasters: Damages caused by natural calamities such as floods, earthquakes, hurricanes, and lightning are covered. This would include any repair work needed due to such events.

Fire Damage: Repairs necessitated by fire damage, including those caused by self-ignition, explosions, and lightning.

Third-Party Liability: While this does not pertain to repairs to your vehicle if your vehicle causes damage to a third party or their property, the policy covers the cost of those damages.

Vandalism and Malicious Acts: Repairs needed due to vandalism or other malicious acts are also covered.

Man-Made Disasters: This includes damages from events like riots, strikes, and terrorism.

Beyond the standard coverage, policyholders have the option to enhance their policy with add-ons, which can cover additional types of repairs or offer further benefits, such as:

Zero Depreciation Cover: This ensures that the policyholder gets the full cost of replaced parts without depreciation being factored in, for the first few claims.

Engine Secure: Covers repairs to the engine that might be required due to water ingress or oil leakage.

Tyre Secure: Specifically covers the repair or replacement of damaged tires and tubes.

Consumables Cover: This covers the cost of consumables that may need to be replaced following an accident, which is not typically covered under a standard policy.

It is important to note that the specific repairs covered will depend on the terms of your standalone own damage policy or comprehensive car insurance policy with Tata AIG, as well as any additional add-on covers you may have selected.

For the most accurate and detailed information regarding what is covered, you should refer to their policy documents or contact us directly.

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

If your claim for cashless repair is rejected, you can simply apply for a reimbursement claim.

  • For the reimbursement claim, you will have to pay for the repairs upfront and get these reimbursed by your insurance provider by following these simple steps:

  • Inform us about the damage to your insured vehicle

  • Once your claim has been duly registered, you can take your vehicle for repair at a garage of your choice. For reimbursement claims, you are not limited by the list of network garages.

  • Get your vehicle repaired and pay for the damages from your pocket

  • Submit your repair estimates, bills, and other essential documents that will be needed for verification

  • Once the claim and the documents are verified, we will initiate the reimbursement process

Reasons Your Cashless Claim Could Get Rejected at Tata Cashless Garages

Acquainting yourself with reasons why your claims may get rejected can help you ensure a seamless claim settlement process. Here are some reasons why your claim could be rejected:

  • If you were driving without a valid driver’s licence

  • If you were intoxicated when driving or were under the influence of drugs

  • If your car insurance policy has expired or your premiums are not paid up-to-date

  • If there were any non-disclosed modifications made to the vehicle

  • In case of fraud claims or false information provided in the claim form

  • If you don’t provide the required documentation for claim verification

  • Before investing in a car insurance policy, you must carefully read the policy inclusions and exclusions to avoid any unpleasant surprises in the future

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

Are all car insurance policies eligible for cashless repairs in Hyderabad?

Are all car insurance policies eligible for cashless repairs in Hyderabad?


Yes, if you have a comprehensive car insurance policy, you are eligible for cashless car repairs at any of Tata AIG garages in Hyderabad.

Is there a difference between the repair quality between network and non-network garages?


Network garages are authorised vehicle repair facilities, and so while individuals can find equally good non-network garages, the former comes with an added layer of security.

What happens if the cost of repairs exceeds the coverage limit?


If the repair cost exceeds the coverage limit, the vehicle owner will be liable to pay the excess to the repair facility.