Initially, the cashless trend was introduced for mediclaim policies and then the popularity of cashless facility soon started the trend in motor insurance. Now, leading insurers provide cashless garages network in India to their clients. Today, the cashless facility has arisen as a boon for auto owners in India.
Cashless car insurance is the most supportive help especially during planned repairs. Policyholder needs to make sure that he or she invests in a valid motor insurance plan. There may be situations when this facility is not available to policyholders based on certain conditions and policy type.
If you want to go for cashless car insurance claims, then most insurance companies in India have their own cashless garages network. Insurers use this network to repair the damaged vehicles, covered by them. All the expenses are dealt between the company and the garage directly. It means vehicle owner does not have to worry about the costs other than the accessories, which are not included under the plan.
In case of cashless claim, after completion of repair at insurers’ network garage, they will make payment of policyholders’ share of the loss to the garage directly. Generally, cashless garages network in India provided by insurance companies is reliable. Services offered by them are better as compared to any other local garage.
But, insured needs to complete various formalities before any action take place. Sometimes, the garage which insurer may select might be quite expensive. If the covered vehicle is serviced outside the cashless garages network, then policyholders can claim for reimbursement. Insured can select his own preferred garage and get his vehicle repaired with his choice of mechanic.
Policyholders must know that the list of cashless garages network in India may have undergone several changes in the form of additions and deletions. Therefore, always check with the customer support team to receive the updated list of network garages.