Cashless Garages in Pune

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Cashless Garages in Pune

As the sixth most traffic-congested city in the world, it is safe to assume that commuters in Pune spend a significant amount of time on the roads. To make road journeys safer in Pune, it is important to adhere to traffic rules and invest in comprehensive four-wheeler insurance.

This ensures that in the event of an unfortunate road mishap, you have a financial safety net to rely on. Moreover, if your vehicle sustains any damage, you can visit any one of the cashless garages of Tata AIG and get the repairs done without having to worry about paying for the damages upfront.

This is because cashless garages (or network garages) have a tie-up with the insurance company and so the bills are settled directly between the two parties.

What are Tata AIG Network Garages?

Network garages or cashless garages are partner vehicle repair facilities that insurance companies authorise for the benefit and convenience of policyholders.

If an insurance holder has opted to repair their vehicle at any one of Tata AIG garages in Pune, they can get the repairs done without having to pay for the repairs upfront (as is the case for reimbursement claim settlement).

Tata AIG will compensate the vehicle repair facility with all the necessary bills, excluding the compulsory deductibles and the depreciation amount charged on the replaced parts of the insured vehicle.

How Do Cashless Garages Work?

When you purchase four-wheeler insurance or get a car insurance renewal, your insurance policy documents will help you with a list of network garages across India.

Tata AIG offers cashless vehicle repair services across more than 7500 network garages in India. This cashless garage list of Tata AIG comprises authorised garages where policyholders can avail of cashless repair services.

This cashless insurance facility ensures that the claim settlement is both seamless and hassle-free.

In the unfortunate event of a mishap, the policyholder will need to inform us about the repairs that need to be made and share the relevant documents with the garage.

Then, you can get your vehicle fixed at the nearest network repair facility and we will directly settle the bills.

Key Features of Tata AIG Network Garages

One of the primary benefits of Tata cashless garages is that you get quick, convenient, and hassle-free claim settlement.

Here are the key features of this facility:

Easy claim settlement: The insurance holder need not stress over large repair bills as the insurer will directly pay the vehicle repair facility

Cashless garages: Network garages are eligible to offer cashless car insurance. Generally, these are reliable vehicle repair facilities.

Simple process: Acknowledging the worry of stressful circumstances such as vehicle malfunctions or accidents, the cashless claim process is designed to be smooth and simple

Quick service: As insurers and network garages have an agreement, services and repairs under cashless four-wheeler insurance are generally completed quicker

How to Find Tata AIG Cashless Garage Near Me in Pune?

We will share a list of network garages with you at the time of the car insurance purchase.

You can also access the Tata AIG cashless garage list in Pune via the Garage Locator service on the website.

Simply enter your city (in this case, Pune) and the make of your car before clicking on “Search.”

From the displayed list, you can choose the vehicle repair facility that is closest to you. There are more than 141 Tata AIG garages in Pune to cater to the varying needs of vehicle owners.

Once you find the closest network garage, you can bring your damaged vehicle to the repair facility and avail of the quick cashless claim settlement facility.

How to Claim Cashless Services at Cashless Garages of Tata AIG in Pune?

If you want to repair your car at one of Tata’s cashless garages, here is the process you need to follow:

**Step **In the event of an accident or vehicle malfunction, inform Tata AIG about the incident. At the time of speaking with the insurance personnel, you will need to mention the areas of your vehicle that are most damaged.

Step 2: From the Tata AIG cashless garage list in Pune, find the nearest repair facility and tow your vehicle

Step 3: Your vehicle will be inspected, and then the policy documents will be filed for approval on cashless repairs

Step 4: The policyholder, as well as the vehicle repair centre owner, will receive a confirmation of the approved amount

Step 5: The repair facility will repair your car up to the approved repair amount, and the bill will be settled with the garage directly by Tata AIG

Cashless Claim Vs Reimbursement Claim – Which is Better?

Here is a comparative analysis of cashless and reimbursement claim settlement processes:

What is it?  If your vehicle is repaired at a facility that is not authorised by your insurance company you will need to raise a claim for reimbursement. Under this process, the claim amount is reimbursed to the insurance holder by the insurer after deducting compulsory and voluntary deductibles. Under this process, the claim is settled without the customer having to make upfront payments at the garage. However, the insured vehicle should be repaired at a network repair facility. Once the repairs are done, the bill is settled directly by the insurer to the garage.  
Main Advantage Policyholders need not spend time looking for a network vehicle repair facility. This can come in handy during an emergency.   No expenses need to be borne by the insurance holder. This eliminates the worry of having to arrange funds in the event of major repairs.  
Main Disadvantage All bills and documents need to be stored carefully for verification during the claim settlement process You must exclusively get your vehicle repaired at network cashless garages to avail of this facility 
Time for Claim Settlement The turnaround time for claim settlement is much longer as claims are settled after the policyholder submits the documents, which are first verified, and then the reimbursement process is initiated The turnaround time for claim settlement is much quicker as the bills are settled directly by the insurance company with the repair facility 
Documentation  The insurance holder will need to ensure all the necessary documents are collected and submitted for claim settlement. This includes repair invoices, payment receipts, cancelled cheques, FIR (in case of an accident), driver’s licence, RC book, etc.  You will only need to submit basic documents such as ID proof and address proof for the verification process 

Benefits of Cashless Garages of Tata AIG

  • Cashless four-wheeler insurance policies have become greatly popular among insurance seekers owing to several benefits that they offer, such as:

  • Insurance holders are relieved of upfront payments associated with repairs when the bills are directly settled between the insurer and the garage.

  • The cashless claim settlement procedure is quick, convenient, and easy to understand, which ensures a seamless experience for insurance holders.

  • Owing to the tie-ups that insurance companies have with cashless garages, the claim and repair processes are aligned, which ensures seamless service.

  • As cashless garages are authorised by us, your car will receive genuine spare parts and excellent service.

  • Since all major conversations and transactions are done online, the paperwork is significantly reduced.

  • We have pre-negotiated prices with network repair facilities that keep the costs under control.

  • We provide ongoing support and assistance throughout the claim settlement procedure.

  • The documentation of cashless claims is significantly more simplified.

  • As there is open contact and communication between the garage, Tata AIG, and the policyholder, the cashless settlement process is more transparent.

  • Insurance holders can rest assured knowing that we will take care of the financial aspect of repairs.

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

  • It is important to be aware of policy inclusions so you don’t have to rush for additional costs at the last moment.

  • Cashless claims can be availed of in the unfortunate event of an accident if your vehicle sustains damage. This can result from road mishaps or even natural and man-made disasters.

  • Only voluntary and other deductibles that are not a part of their car insurance policy will have to be borne by the policyholder.

  • Insurance seekers can also choose to improve their basic car insurance by choosing from a list of Tata AIG’s 17 unique add-on options. For example, with a zero depreciation cover, you are reimbursed for the deducted cost of depreciation on your car’s parts.

  • Or with a roadside assistance cover, if your car breaks down in an unknown location, we will send a team to refuel or tow or offer a mechanic’s services.

  • Depending on your insurance requirements, you can choose add-ons that will strengthen your own damage insurance. You can even get add-ons during 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 apply for a reimbursement claim. Here is the reimbursement claim settlement process:

  • Inform us about the damage to your vehicle.

  • Once your claim is registered, take your vehicle to a garage of your preference.

  • Get your vehicle repaired and pay the repair bills from your pocket.

  • Submit the repair estimates, receipts, invoices, and other essential documents that are required for the verification process.

  • After the documents and claims have been verified, we will initiate the reimbursement process.

Reasons Your Cashless Claim Could Get Rejected at Tata Cashless Garages

To prevent an unpleasant shock, every insurance holder must know the reasons why their claim may get rejected:

  • Driving without a valid licence

  • Driving under the influence of drugs or alcohol

  • If your insurance has expired and you have not done a car insurance renewal

  • Your vehicle has undisclosed modifications

  • Fraudulent 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.

Related Articles

Is every car insurance eligible for cashless repairs in Pune?

Is every car insurance eligible for cashless repairs in Pune?


Yes, if you have comprehensive four-wheeler insurance, you are eligible for cashless repairs from any of the cashless garage lists of Tata AIG.

Is there a difference in the repair quality between cashless and regular garages?


Network garages are authorised by the insurer, so while individuals can find equally good non-network garages, there is additional security with the former.

What happens if repair costs exceed the coverage limit?


If the repair costs exceed the coverage limit, the vehicle owner will have to pay for the excess from their pocket.