Cashless Garages in Mumbai

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Cashless Garages in Mumbai

With the rise of traffic violations in Mumbai, there is an increased requirement to invest in a comprehensive car insurance policy to safeguard your vehicle from road mishaps.

For the convenience of insurance seekers in Mumbai, Tata AIG offers cashless insurance services for a quick and seamless claim settlement process.

This cashless service can be availed of from any of Tata AIG garages in Mumbai, where the policyholder can get their vehicle repaired, and the insurer will directly pay the bill to the vehicle repair facility.

What are Tata AIG Network Garages?

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.

Key Features of Tata AIG Cashless Garages

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

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

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.

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

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

Cashless Claim Vs Reimbursement Claim – Which is Better?

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:

Factors Reimbursement Claims Cashless Claims
What is it? In this case, you can get your car repaired at a garage of your preference (the insurer does not authorise that) and file for a reimbursement claim. The reimbursement is provided after deducting voluntary and compulsory deductibles.  Under cashless claims, individuals can get their claims settled without having to pay anything from their pocket (aside from compulsory and voluntary deductibles). The only condition is to get the vehicle repaired at one of the network garages where insurers have a tie-up with the repair facility. 
Primary Advantage A prominent advantage of reimbursement claims is that you need not spend time trying to locate a network garage. This can be highly beneficial during emergencies.  For cashless claims, no costs need to be borne by you. This can be a relief, especially when it comes to hefty bills, as you need not run around last minute to source money.
Primary Disadvantage All bills, receipts, and other essential documents need to be stored carefully for a seamless claim settlement If you repair your vehicle at a garage that is not authorised by the insurance company, you will have to pay for the repairs from your pocket 
Claim Settlement Duration There is a longer turnaround time as the bills are first cleared by the policyholder, and the reimbursement is filed later  The turnaround time is quicker as the bills are settled directly between the insurer and the garage
Documents Needed There are several documents needed to file a reimbursement claim, right from repair bills, invoices, and payment receipts to verification documents such as ID proof, address proof, etc. Only the basic documents of verification are required for cashless claims. This includes ID proof, address proof, and a few other essential documents. 

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.

Benefits of Cashless Garages of Tata AIG

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

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

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.

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

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

Reasons Your Cashless Claim Could Get Rejected at Tata Cashless Garages

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

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 insurance for a four-wheeler eligible for cashless repairs?

Is every insurance for a four-wheeler eligible for cashless repairs?


Yes, every comprehensive car insurance can avail of cashless repairs at authorised Tata AIG garages in Mumbai.

Is the repair quality 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 they are authorised.

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


If the repair cost exceeds the coverage limit, the vehicle owner will have to pay the excess upfront