Cashless garages are vehicle repair facilities where you can avail of services without making upfront payments. Instead, Shriram General Insurance directly settles the repair bill for the garage, reducing your financial burden and allowing you to experience seamless transactions.
Cashless garages are vehicle repair facilities where you can avail of services without making upfront payments. Instead, Shriram General Insurance directly settles the repair bill for the garage, reducing your financial burden and allowing you to experience seamless transactions.
Repair centres that have teamed up with Shriram General Insurance to speed up the claims settlement process are known as network garages or cashless garages. You can decide to have repairs made at a cashless garage within the Shriram General Insurance’s network garages when your insured vehicle is involved in an accident or damage.
Opting for a cashless garage within our network has several advantages for vehicle owners. Here are some of the pros of cashless garages.
You can choose to use cashless repairs at a network garage when your car is damaged due to an accident or other event, and the cost of the repairs is covered by your insurance policy. Here is how a typical cashless garage work.
Tie-up with the insurer
The garage collaborates with the insurer (Shriram General Insurance) to become a cashless facility for the insurer’s policyholders.
Accident or Repair
When the insured vehicle is met with an accident or requires repairs, you can choose to take it to the cashless garage.
Inspection and Approval
The garage’s technicians inspect the damages to the vehicle and provide an estimate to Shriram General Insurance. Once the insurer approves the claim, the cashless garage begins the repair process.
Direct Settlement
Instead of you paying for the repairs made in the garage, Shriram General Insurance shall pay the repair bill directly to the cashless garage based on the terms and conditions of the policy.
Customer Payment
You may have to pay the deductible or any excess, as per the terms and conditions of the policy, directly to the cashless garage.
The process of making a cashless insurance claim at a network garage involves a few simple steps:
Inform us about the incident and register the claim. We will guide you through the next steps.
Select a cashless garage from the list of network garages.
Provide the necessary documents, such as your insurance policy details, vehicle registration certificate, and a copy of your driving licence.
Our surveyor will inspect your vehicle at the cashless garage to assess the damage and estimate the repair cost.
Once the surveyor approves the repairs, the garage will proceed with the work. The settlement of the repair bill is made directly between Shriram General Insurance and the network garage except for deductible and excess that you have to pay directly to the cashless garage.
Here are the steps to raise online claim against your Shriram car insurance.
Yes, you can take advantage of cashless garages through the comprehensive insurance policy.
Our recognised network of cashless garages ensure they adhere to strict quality requirements. While non-network garages may provide equally good services, choosing a cashless garage offers an extra measure of security.
No, it is not mandatory to choose a cashless garage for repairs. Although you are free to select any garage for maintenance, going with a cashless garage might help things go more smoothly and conveniently.
You'll be liable for the excess amount if the repair expenses exceed the coverage limit.
The choice between cashless claim settlement and reimbursement claim settlement depends on individual preferences and circumstances. Here's a comparison to help you decide.
| Cashless Claim Settlement | Reimbursement Claim Settlement |
|---|---|
| Ideal for those who prefer a convenient and expedited repair process without upfront payments. | Suitable for policyholders who have the financial capacity to pay for repairs upfront and can wait for reimbursement. |
| Shriram General Insurance has a vast network of quality cashless garages in your area. | It may be preferred if the repair facility of your choice is not in the insurer's network. |
* Ultimately, the decision should be based on your specific needs and comfort level with managing expenses upfront.
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