Cashless Service For Bike Insurance

Purchasing a bike is easy than keeping it in good condition. Since you invest a big amount of your savings into purchasing a bike of your choice, it becomes necessary that you protect it from any unforeseen incident. However, it has been made compulsory that every bike owner must have third-party liability insurance but that is not enough to cover your loss. That is why it is important that you purchase separate bike insurance online.

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Insurers themselves recommend the bike owners purchase a comprehensive insurance policy as it provides cover for all kinds of loss or damages that occurred in an accident, natural calamities, etc. When the bike goes through an accident and is sent to a garage where it gets repaired, the insurance companies have some of the registered garages with them that provide cashless repairing and servicing of the accidental bikes.

What Is A Cashless Service In Bike Insurance?

Cashless bike service is a facility that is provided by the network garages of the insurance company. Under this facility, the policyholder’s bike is repaired in the network garage of the insurance company and he/she does not have to pay any amount. 

Under this facility, the insurance companies take care of the expenses of the bike repair on the policyholder’s behalf. It saves you from paying for the repair done by the network garages. The insurer sends the surveyor to the garage after the accident to check the extent of the damage. Based on the extent of damage the insurer settles the claim. Also, the insurance companies' garages are one of the best in the town. 

Advantages of Cashless Service

When you get a cashless service in a network garage of your insurance company, you get several benefits. They are as follows:

Quick & Thorough Servicing

The network garages of the insurance company make the servicing thorough and quick. This is because since you came through the insurance company and you are treated as a priority customer. They make sure that the repair is done thoroughly.


In the network garage, where you get the cashless service because of your insurance policy, the process tends to go smoother than usual. It is because you do not have to worry about anything and your insurer gets everything done by themselves. This makes the process hassle-free for you.


Insurance companies make sure that their network garages are at the top when it comes to providing service to the customer. The network garages are the ones with proven record of providing satisfaction to their customers and best-in-class service. Also, you do not have to worry about the duplicacy of parts as they provide genuine parts for the bike.

Smooth Settlement of Claims

Cashless garages provide quick and smooth claim settlement and you do not have to worry about it as the insurers make sure that the claiming process gets done as soon as possible.

How To Get Cashless Claim?

Here are the steps that you can follow to get a cashless claim settlement. 

  • Register an FIR in case of third-party liability. Also, get a copy of the FIR.
  • Inform your insurer. The insurer will send inspectors and they will inspect the damage and then notify you about the nearby enlisted cashless network garages. 
  • You can choose the nearby garage and go there to get your bike repaired. Once your bike is repaired, sign the documents and get your bike.
  • You can collect the invoice made by the garage and that will be paid by the insurer. If the amount goes beyond the insurance coverage then you will have to pay for it otherwise you don’t pay anything.

In case your bike is not repaired in the cashless network garage of the insurance company then you will have to pay for the repair that is later reimbursed by the insurer.

How To Get Reimbursement?

In case you do not get a cashless claim for the repairing of your bike, you can get the reimbursement later and here are the steps you can follow:

Inform Insurer 

Inform your insurer as soon as possible about the accident that caused damage to your bike. You can either send an email to your insurer or contact their customer care executive. They will provide you a claim reference number from the insurer.

Survey Is Done

The insurance company will send an inspector to inspect the bike’s condition after the accident. You will have to submit all the required documents for the initiation of the claim. 

Bike Repairing

After the inspection, you will have to take your bike to the nearby garage to get the repair started. Sometimes, insurers provide free towing of the vehicle upto Rs. 1500 but these charges may vary.

Claim Reimbursement 

You will have to pay for the repair out of pocket. Then you can initiate the reimbursement process with the insurer. Then insurer will provide you the claim amount after cutting out the deductible amount. In a few days, you will get the claim amount.


The network garages of the insurance company can provide you cashless services. To get a cashless service you will have to look for bike insurance online and look out for the insurer that provides this facility in their insurance plan. It is recommended by the insurance experts to purchase the bike insurance policy online as you can learn about any policy thoroughly. You can compare and check which one meets your demands and comes under your budget by calculating the premium amount online.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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