Cashless Garages in Thiruvananthapuram

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Cashless Garages in Thiruvananthapuram

Having a car of your own in Thiruvananthapuram brings a significant set of responsibilities, and car maintenance is a major task. When your car requires extensive repair work, a car insurance policy comes in handy.

But do you know one of the significant benefits of insurance for a four-wheeler? It is the availability of cashless garages from the insurance provider. Vehicle owners are always on the lookout for the best insurance for their four-wheelers, which offers various benefits and convenience.

Cashless garages are repair service providers authorised by an insurer to allow policyholders to make cashless claims with an assurance of quality repairs and timely deliveries.

If you own a car in Thiruvananthapuram and wish to avail of cashless claims, you must know about the Tata AIG cashless garage list in Thiruvananthapuram and how they can help.

What are Tata AIG Cashless Garages?

The cashless garages of Tata AIG are repair facilities or garage centres that provide quality repair services to our policyholders within a short time, along with the availability of cashless claims.

  • When you choose one of the garages from the cashless garage list of Tata AIG, all you need to do is get the repair work approved before getting it done. Once the repairs are completed, we handle the bill settlement on your behalf.

  • These repair garages are well-equipped with the necessary equipment and expertise to ensure that all kinds of repairs are carried out efficiently.

  • Additionally, with over 7,500+ garages around India, finding one near your location is easy and hassle-free.

How do Cashless Garages Work?

  • When you purchase a car insurance policy, you can request the insurer to update you regarding the availability of cashless claims and cashless garages. Only authorised garages are permitted to provide the cashless claim facility.

  • Here is how a cashless claim works at one of the cashless garages of Tata AIG -

  • Inform Tata AIG regarding the accident and a detailed explanation of the damage incurred by your car. You can do so by calling us at 1800-266-7780.

  • After informing us, fill out a claim intimation form on our website, clearly highlighting the details of the accident and damage.

  • We will then send you a self-inspection link on your registered mobile number.

  • Click on the link in the message and complete it. We will then send a surveyor to assess the damages incurred.

  • Once done, for a cashless claim, take your car or get it towed to one of the garages within the cashless garage list of Tata AIG.

  • After the repair work is done, the garage will send us the repair bill, and we will pay the maximum amount possible based on your policy terms and limits.

Key Features of Tata AIG Network Garages

The Tata AIG garages in Thiruvananthapuram and around India offer extensive repair services to ensure your car is back to its initial state before the accident. However, other than the top-quality services, there are many other significant features of these garages.

  • Let us look at some of them below.

  • Tata AIG has over 7500+ garages within its garage network around India to provide policyholders with the convenience of availing cashless claims to reduce their financial burden.

  • The garage network is well equipped with all the necessary repair services to ensure all types of damages are rectified efficiently.

  • Tata AIG's cashless garages significantly reduce the financial burden of arranging emergency money to get the required repair work, allowing policyholders to benefit from peace of mind.

  • The process of claim settlement for cashless claims with cashless garages is quick and straightforward. It requires minimal paperwork and direct payment settlement between us and the garage.

  • Our website makes it easy to file a claim online, similar to how you can buy or complete a car insurance renewal online in just a few steps.

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

If you live in or are visiting Thiruvananthapuram, knowing how to find Tata AIG network garages in the city is crucial to ensuring you can benefit from cashless claim settlements when the need arises.

Here is how you can do it:

  • You can call the 24/7 helpline number 1800-266-7780 and ask about the Tata AIG cashless garage list in Thiruvananthapuram.

  • Alternatively, you can visit our website to find the Garage Locator and follow the steps mentioned below to find a Tata AIG cashless garage near me.

  • Visit our website.

  • From the list of services, choose “Self-Service” and then scroll down the service page to find and select “Network Garages”.

  • On the new page, enter your city as “Thiruvananthapuram” and enter the car “make details” before clicking on “Search”.

  • You will now be able to view all the Tata AIG garages in Thiruvananthapuram.

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

To claim cashless services at any of the Tata AIG network garages in Thiruvananthapuram, follow the steps mentioned below.

  • Notify us as soon as the accident happens, clearly stating the damage incurred and the parts with maximum damage.

  • Next, take your car to one of the cashless garages of Tata AIG.

  • After getting the car to the garage, authorised repair personnel are required to complete an assessment of the vehicle damage to provide us with an estimate of the repair expenses.

  • Based on this information, policy documents for a cashless claim are submitted to us for verification.

  • Post verification, we will provide the garage with the approved amount of repair work we can cover on your behalf based on the policy terms.

  • Next, the repair work will begin, and upon completion, we will be notified of the same.

  • A bill for the completed repair work will be shared with us, and we will settle it directly with the garage. For any repair work that is not included in your policy, you will be required to make the payment against it, as we do not cover the same.

Cashless Claim Vs Reimbursement Claim – Which is Better?

Features Cashless Claim Reimbursement Claim
Procedure  The process for a cashless claim requires a policyholder to take their car to a cashless garage for repairs, and then the payment part is completed by the insurer.  The process for a reimbursement claim requires a policyholder to get their car repairs done at any garage of their choice by making the payment. After that, all the bills need to be submitted to the insurer to get reimbursement. 
Settlement Time The cashless claim settlement is quick as it requires direct payment settlement between the insurer and the garage.  The reimbursement claim settlement is time-consuming as it requires the policyholder first to make the payment and then submit the bills to the insurer for settlement. 
Advantage  Reduced financial burden on the policyholder as the repair expenses are covered directly by the insurer.  Freedom to choose any garage around and get the required work done. 
Disadvantage  The scope of coverage within the policy is limited to the policy terms and conditions. Thus, in case the required work is not covered, the policyholder will have to pay the expenses. As there are no authorised garages, turnaround time can be longer. Moreover, it is a time-consuming process for the policyholder as he needs to pay first and then claim later after verification. 
Required Documents  Identity proof Repair bills
Address proof  Invoices/receipts
Accident report  FIR 
Vehicle RC

Benefits of Cashless Garages of Tata AIG

  • Reduced financial burden for the policyholder as it allows them to avail of cashless claims.

  • Faster claim settlement as reduced paperwork and minimal requirement of multiple intermediaries.

  • The repair work bill is settled between us and the garage without interference or pressure on the policyholder. They just need to make sure the required repair work is completed correctly.

  • We maintain complete transparency throughout the process to ensure the policyholder is in the loop from start to end.

  • With the cashless garages of Tata AIG, you can be assured that the equipment and repair expert will provide quality services in a timely manner.

What Expenses Can Policyholders Claim at Tata AIG Cashless Garage List in Thiruvananthapuram?

The primary coverage limits within own damage or comprehensive car insurance to avail at cashless garages of Tata AIG include the following repair conditions -

  • Any damage or loss incurred by your car due to an accident that requires part replacement or extensive repair.

  • Any damage or loss incurred by your car due to natural disasters like earthquakes, typhoons, floods, etc., is covered.

  • Any damage or loss incurred by a third party or their property due to your insured vehicle is covered.

  • Any damage or loss incurred by your car due to man-made disasters like riots, fires, terrorism, strikes, etc., is covered.

  • Any damage or loss to your car caused by vandalism, theft, or fire explosions is covered under claimable expenses.

  • Other than these inclusions, policyholders can also customise their base policy with a wide range of add-ons. This allows them to get the required coverage for an additional value above the base policy premium.

Some of the add-ons include -

  • Zero Depreciation Cover

  • No Claim Bonus Cover

  • Consumable Cover

  • Engine Protection Cover

  • Tyre Protection Cover

  • Key Replacement Cover, etc.

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

In some cases, the cashless claim request for repairs may be rejected for unexpected reasons. If that happens in your case, you can instead file a reimbursement claim with your insurer.

Within a reimbursement claim, the process requires you to pay upfront and then file for a claim to get reimbursed by the insurer.

  • Here is how you can file for a reimbursement claim.

  • Inform us regarding the accident along with details of the damage incurred by your car.

  • File a claim and then take your car to any garage close to your current location.

  • Get the required repair completed and collect all the invoices, bills, and other necessary documents related to the repair work done.

  • Collate all the bills and documents and submit them to us.

  • After internal verification, we will reimburse the applicable amount against the bills submitted based on your car insurance plan terms and conditions.

Reasons Why Your Cashless Claim Could Get Rejected at Tata Cashless Garages

There are some common reasons why a cashless claim can get rejected, and they are as follows -

  • If you are caught driving under the influence of alcohol or other substances, that can hinder your awareness and focus.

  • If you are found driving without a valid RC, driving licence, or car insurance policy.

  • If you intentionally break speed limits to participate in rash driving/speed racing.

  • If the proof of accident and damage submitted is false or incorrect.

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

Do all car insurance plans in Thiruvananthapuram include a cashless claim option?

Do all car insurance plans in Thiruvananthapuram include a cashless claim option?


The option for cashless claims varies from insurer to insurer. Tata AIG's comprehensive and own damage plans provide this flexibility to choose between reimbursement and cashless claims as they have over 7500+ authorised garages in India. Thus, if you wish to know more about which insurance plans include this option, read through the policy terms carefully.

What to do if there is no cashless garage in my city?


If there is no cashless garage in your area or city, you can either choose to proceed with a reimbursement claim or file a cashless claim by taking the car to the nearest cashless garage in another area, especially if the damage is significant.