Cashless Garages in Mumbai

Cashless or network garages are carefully selected vehicle repair facilities that offer quality vehicle repair services to ensure a hassle-free experience.

When you get your vehicle repaired at any of the cashless garages of Tata AIG, you don’t have to pay for anything aside from the deductibles outlined by the policy guidelines.

How Do Cashless Garages Work?

To avail of the cashless insurance service, you will first have to inform us about the damage to the insured vehicle. Then, the vehicle can be taken to any one of the Tata cashless garages.

To find the nearest facility, you can refer to the Tata AIG cashless garage list in Mumbai. You will then have to submit your policy documents to get approval for cashless repairs.

Once the vehicle is repaired, the garage will share the invoice and the policy documents with us. We will verify these and release the payment.

It is important to note that your insurance for a four-wheeler will only pay for the damages that are covered under your policy. You will need to pay for the necessary deductibles and the depreciation value of certain parts from your pocket.

Ease of claim settlement: You don’t have to worry about the vehicle repair bills as we will compensate the garage directly. This becomes particularly beneficial for significant bills.

Cashless garages: Tata AIG network garages can offer cashless service, and these vehicle repair facilities can be relied on for quality servicing

Simple process: The cashless facility under insurance for four-wheelers affords you some peace of mind in distressing scenarios such as accidents or vehicle malfunctions

Quick service: Considering how network garages and insurance companies have an agreement, the repairs and services under cashless insurance are generally completed quicker

There are more than 7500 Tata AIG network garages across the country.

If you are wondering where you can find “Tata AIG Cashless Garages Near Me”, you can use the Garage Locator on the website.

Enter your city (in this case, Mumbai) and the make of your car.

Click on “Submit.”

You will see the Tata AIG cashless garage list in Mumbai and can visit the facility that is closest to you.

You can also dial the toll-free helpline number 1800-266-7780 to know the Tata AIG garages in Mumbai and visit the nearest repair centre.

Step 1: In case of an accident or repair, inform us about the incident

Step 2: Check the cashless garage list of Tata AIG and drive or tow your vehicle to the nearest repair facility of your choice

Step 3: An appointed surveyor will assess the damage, following which the policy documents are filed for approval on cashless repairs

Step 4: A confirmation of the approved amount will be shared with you and the garage owner

Step 5: Repairs up to the approved amount are done by the garage, and the bill is settled directly by us

When it comes to car insurance, there are two types of claim settlement options: reimbursement claims and cashless claims. Let’s compare the two settlement procedures for an informed insurance purchase:

The table above reveals how cashless claims have an edge over reimbursement claims thanks to the convenience afforded by the former.

Let’s explore some additional benefits of Tata cashless garages.

As the bills are directly settled between Tata AIG and the network garage facility, you do not have to worry about repair costs

The cashless insurance process is easy and seamless, which ensures a hassle-free experience

The partnerships that we have with network garages ensure that the service is prompt and the procedure is streamlined

To ensure that your vehicle receives the best treatment with genuine spare parts and excellent servicing, we partner with reputed garages

As the primary conversations and transactions are done online, the paperwork for cashless insurance is significantly lesser

The costs of repairs are controlled as we have pre-negotiated prices in place with network garages

You receive ongoing support and assistance throughout the procedure

Cashless insurance is a transparent process as the contact between the three stakeholders: the insurer, the policyholder, and the garage - is open

You can avail of a broad range of vehicle repair services under their comprehensive car insurance policy by Tata AIG. These include

Accidents: If your insured vehicle sustains any damage owing to an unforeseeable accident, the repairs and replacements are covered under the policy

Theft Recovery: If a stolen vehicle is recovered and needs repairs, the repair cost is covered under the policy

Natural Disasters: If your vehicle is damaged owing to natural calamities such as earthquakes, floods, etc., the repair work is taken care of by your insurance policy

Man-Made Disasters: If there are damages to your vehicle because of terrorism, riots, or strikes, you can get it repaired under your car insurance

Fire: Repairs required because of fire-inflicted damage, including self-ignition, explosions, and lightning, are covered by the comprehensive motor insurance

Third-Party Liabilities: If the insured vehicle has caused any third-party damage, the liability is covered by car insurance

You can also strengthen your basic coverage by choosing from a list of Tata AIG’s unique add-ons. Some popular ones are:**

Zero-Depreciation Cover: Under zero-depreciation cover, the insurance holder receives the complete sum assured without the depreciation deduction

Engine Secure: Under this add-on, policyholders can repair or replace the engine without incurring extra costs.

Roadside Assistance: With this add-on, you will receive round-the-clock breakdown assistance and even a team to refuel or tow or offer a mechanic’s services in an emergency

You can even opt for these add-ons at the time of car insurance renewal.

If your cashless claim is rejected, you can simply get a reimbursement claim. Here’s how:

• Inform us about the damage to your insured vehicle

• Once the claim is registered, you can take your car for repair at a garage of your choice

• After your vehicle is repaired, you will have to pay the repair bills upfront

• Submit your repair estimates, bills, and other essential documents for verification

• Once the documents and claim are verified, the reimbursement process is initiated

Here are the reasons for which your car insurance claim will get rejected:

• Driving without a valid driver’s licence

• Intoxicated when driving or driving under the influence of drugs

• Car insurance policy has expired, or your premiums are not paid up to date

• Non-disclosed modifications made to the vehicle

• Fraud claims or false information provided in the claim form

• Not providing the required documents for claim verification