Importance of Cashless Garage Facilities in India

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Cashless garage facilities have gradually gained immense popularity in the world of car insurance. It is one of the most preferred options availed by almost every policyholder at the time of purchasing or renewing motor insurance. Today we will discuss the reasons behind their increased usage and their growing importance in India.

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      What are Cashless Garage Facilities?

      Cashless garage facilities or network garages are partner workshops that are authorized by the motor insurance companies located across India for the benefit and convenience of insurers. If a policyholder has opted for a cashless garage facility at the time of renewing or purchasing the policy, they will be provided with the convenience of getting their car repaired at any network garage in case of a mishap. 

      Such garages provide a seamless car repair experience as the insured is not expected to pay any amount (as in the case of a reimbursement facility). The policyholder is benefitted as the insurer pays all the necessary bills excluding the compulsory deductibles and the amount of depreciation charged on the vehicle’s replaced cars parts. 

      How do Cashless Garage Facilities Function?

      Every car insurance company makes its policyholders aware of all the network garages available across India. The insurer will give you a list of all such authorized garages to avail of cashless repair for your vehicles without paying anything out of your pocket.

      Cashless garages work seamlessly and the process to avail a claim there is fairly easy. 

      In case of a mishap, the first thing you would need to do is inform your insurer at the earliest. Intimate about the repairs required to be made along with furnishing the relevant documents or proof of evidence to the garage. 

      You can then get your damaged vehicle towed to the nearest cashless garage facility provided by the insurer. The cashless garage will conduct all the necessary repairs and the bills would directly be settled by the insurer without you having to pay anything except for the compulsory deductibles.

      Advantages of Cashless Garage Facilities

      The biggest benefit of cashless motor insurance is that it makes the claim settlement procedure convenient, hassle-free, and quick. A cashless facility makes the entire process much more transparent than a reimbursement claim process. 

      It helps provide better customer satisfaction due to improved services offered by the insurer and their partner garages. Following are the advantages you enjoy with a cashless garage facility:

      1. Priority Servicing

      Policyholders can expect speedy and improved services at cashless garages as well as a hassle-free claim process. As the garages are directly in touch with the insurer, services are rendered on priority and completed on time. 

      2.  Speedy Claim Settlement

      When it comes to claim settlement, reimbursement car insurance usually takes 7-10 days for the insurer to make the necessary approvals and then transfer the compensation. However, in the case of cashless car insurance, the insurer directly settles the bills with the network garage and the claim is settled quickly.

      3. Hassle-Free Process

      Apart from being quick, the process involved in cashless garage facilities is also convenient and hassle-free. This is possible because all the formalities are handled by the insurer and the policyholder is not required to either make any payment or get documents and bills verified. 

      4. Transparency

      Under cashless garage facilities, the repair bills and other estimates are directly sent to the insurer. Additionally, the surveyor from the insurance company is involved throughout the process. This makes the entire claim process transparent and ensures genuine billing and limits the possibility of fraud.

      5. Quality Service

      Since the insurer is directly involved in the process from the beginning, they make sure that the best quality service is provided to the policyholder. Moreover, for the highest customer satisfaction, every insurance company ensures that they network with the best garages in a location that fulfills all their requirements. This entire process ensures top-notch quality service and customer satisfaction.

      You May Also Read - Beginner Guide to Cashless Car Insurance

      Why are Cashless Garage Facilities Important?

      Here’s why cashless garage facilities have become important nowadays:

      Freedom from Unplanned Financial Burden

      Any unforeseen mishap on the road can not only damage your vehicle but also leave an unplanned financial burden on you. While reimbursement claims assure you of compensation, you still have to pay for the repairs from your pocket initially. Cashless garage facilities come in really handy here. You are not required to pay for the repair bills as the insurance company takes care of them.

      Stress-Free Driving

      You can drive with peace of mind as you will not be required to worry about the possibility of the occurrence of any unforeseen mishaps while driving on the road that can put a burden on your mental health.

      Stress-free Claims

      The most important reason for availing of a cashless garage facility is that you can easily raise a claim and get your car repaired without going through any stressful processes. 

      Are Cashless Garage Facilities Helpful?

      Yes, there’s no denying that cashless garage facilities have become quite helpful nowadays. Even though there are certain conditions such as limited network garages available and compulsory deductible amounts to be paid, cashless garage facilities are still a win-win situation for everyone given the host of benefits they come with. 

      To Conclude

      Whenever you buy car policy that suits your requirements, make sure that you carefully assess all the requirements to buy the best car insurance policy. This includes buying the right type of motor insurance with the required add-on covers along with a cashless garage facility to experience a hassle-free, quick, and convenient claim process. 

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      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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