Two-Wheeler Insurance Cashless Garage

What is a Network Garage?

A network garage is a bike service center that has a tie-up with your respective insurance provider. When you take your damaged bike to a network garage, you can enjoy cashless repair service. In this garage, you don't have to pay the garage upfront for repairs. Instead, your insurer directly settles the bill with the garage according to the policy terms.

What is Cashless Claim Service?

The cashless claim or cashless garage in two-wheeler insurance is a service benefit provided by the insurer to the insured for getting the bike repaired in one of the network garages. Under this service, the insurer pays off the liability of repairing the two-wheeler after an accident.

It requires lesser formalities to go through to raise a claim. The insurer sends the surveyor as soon as possible to the location or the garage to check the extent of damage according to which the insurer will settle the claim. The insurance companies tip-ups with two-wheeler garages that provide cashless services to you.

How it Works?

• After an accident, the insurer sends a surveyor to assess the damage.
• Based on the surveyor's evaluation, the insurance company ask you to send the bike to the nearest network garage for repairs.
• Once the repairs are done, the insurer settles the repair bill directly with the network garage. You only pay deductibles or costs beyond the Insured Declared Value (IDV) (if applicable).
• This system cuts down paperwork and waiting time, helping you get back on the road faster.

Benefits of Cashless Two-wheeler Insurance

When you get your bike to a cashless garage for repairing, here are the benefits you get to enjoy:

• Quick Services
  When you take your damaged bike to a network garage, the garage keeps your bike on priority and takes lesser time to repair.
• Hassle-Free
  When you get your bike repaired in a network garage, the insurance company takes care of everything making it less hassling for you.
• Reliability
  Bike insurance companies keep an eye on their network garages and their up-gradation. They make sure that they have a good history of satisfying their customers. These garages keep genuine spare parts and charge accordingly.
• Smooth Claim Settlement
  These network garages offer a smoother claim settlement process as you do not have to worry about paying for the repair.
• Peace of Mind
  Since you do not have to worry about the expenses in case your bike gets damaged in an accident, you get to keep your peace of mind. The insurers take care of almost everything.

How to Raise or File Cashless Claim Under Bike Insurance?

Follow the below procedure to file a cashless claim under bike insurance policy:

• Inform your insurance company immediately after the incident via phone, app, or website.
• The insurer sends a surveyor to assess the damage and design an assessment report.
• Based on the surveyor's assessment report, the insurance company ask you to send the bike to the nearest network garage for repairs.
• Take your two-wheeler to a nearby network garage and submit the required documents.
• Once the repairs are done, the insurer settles the repair bill directly with the network garage. You only pay deductibles or costs beyond the Insured Declared Value (IDV) (if applicable).

*Note: If you choose a non-network garage, you'll need to pay the bill first and then file for reimbursement.

Documents Required for Raising Bike Insurance Claims

You must have third-party bike insurance or comprehensive bike insurance policy to raise different types of claims. Here is a list of documents required for raising claims in India:

1. To Raise Third-Party Claim

   You need to provide the following documents to raise the claim in case of third-party liability:

   • Claim Form
   • FIR copy
   • Valid Driving License
   • Registration Certificate

2. To Raise Theft Claim

   Following documents are to be submitted:

   • Claim Form
   • RC of two-wheeler
   • FIR Copy
   • Policy Documents
   • NOC
   • Subrogation Letter
   • Previous insurance info. If necessary

3. To Raise Accidental Claim

   Documents required to raise accidental claim:

   • Copy of Insurance
   • FIR copy (If required)
   • Valid Driving License
   • Original Receipt of Payment along with the invoice of repair
   • Any Other Documents as per the insurer requirement