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What is Cashless Car Insurance?
Cashless car insurance is designed to offer swift and easy repair work, reducing your expenses and financial burden. Cars incurring heavy damages due to unfortunate road accidents often leave a hole in your pocket while repairing them.
The traditional method reimbursed your money after you paid for repairs. However, paying the bills upfront still caused stress for many. To solve this problem and ease your life, cashless motor insurance was introduced. So, how is a cashless car insurance policy different from a regular car insurance policy? Is it really as convenient as it sounds?
If you have a cashless car insurance policy, you can get your vehicle repaired at any of the car garages listed under us without paying a single rupee. The invoice for repairs is sent to us and the reimbursement is made according to cashless car insurance.
It speeds up and simplifies the claim settlement process. Moreover, you can claim your cashless policy by completing a few steps online through our website or the IndusInd Self-i App. However, it is important to note that claims made through this policy do not cover the cost of deductibles, uninsured parts or depreciation unless you have opted for our nil depreciation add-on. You must bear these expenses
Cashless Car Insurance - Key Features
Network Garage Facility
With our car insurance policies, you get access to a large network of garages. We have over 11,000+ garages authorised with us that offer enhanced access and the highest-quality repair services.
Convenience in Claim Process
The cashless claim process is the most convenient way to settle your claim. It is quick and easy with our video claims and minimal paperwork. You can raise a cashless car insurance online claim at your convenience.
Doctors - Professional Indemnity Insurance
The claim settlement for cashless car insurance is quick due to the tie-up with network garages. These tie-ups also speed up the inspection and approval process.
No Up-front Payment
Our cashless car insurance policy takes away the hassle of collecting funds for the repair work after an unfortunate incident. These repair costs for the insured perils and parts are taken care of by us, reducing up-front payments.
How Does Cashless Car Insurance Policy Work?
IndusInd General Insurance has a tie-up with over 11,000+ garages, creating a wide network of authorised garages and offering the best cashless car insurance. The garage repairs your vehicle depending on your cover and sends the bill to us. After thorough verification, we make the payment to the garage for repairing your car.
However, there are certain parts which are not covered under our cashless car insurance policy. You must review the inclusions and exclusions, as you are liable to pay for their repairs.
Can You Visit Any Garage to Avail Cashless Facility?
You need to know the network garages listed under your cashless motor insurance policy. So, when you need to visit a garage, you will have to visit one of our Garages within the Network to avail of the cashless benefit. You can use our Network Garage Locator to find your nearest garage.
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How is it Useful: Benefits of Cashless Car Insurance Quick and Efficient Claim Process
A cashless claim allows you to settle your claim faster and more efficiently. It requires minimal documentation and formalities to complete. Additionally, with our wide network of garages, choosing a garage and settling their bill makes it quicker.
Hassle-Free
Since cashless claims do not require you to settle the bills out of your pocket, getting the repairs done becomes effortless. Additionally, you can initiate the cashless motor insurance claim and complete the process from anywhere online.
Transparent Process
With cashless claims, the entire process can be completed and tracked online. Thus, you are aware of the steps taken for your claim process, and once it is approved, the bill will be settled directly with the garage.
Reduced Stress
Since this is a cashless method, you do not have to worry about paying for the garage services upfront. This reduces the stress of making critical decisions after experiencing an unfortunate incident.
Difference Between Reimbursement and Cashless Car Insurance
Parameters | Cashless Car Insurance Policy | Reimbursement Car Insurance |
|---|---|---|
Definition | This type of car insurance allows you to make cashless claims, where the insurer settles the bill directly. | With this insurance, you pay the repair costs upfront and get them reimbursed from your insurer later. |
Process | This is a simplified and quick process with minimal paperwork. | This is a simplified and quick process with minimal paperwork. |
Network Requirement | Available only at any of our authorised network garages. | Can be availed at any garage of your choice. |
Payment | We directly pay the garage during the claim settlement process. | You pay the garage and get it reimbursed later. |
Claim Settlement Time | It is quicker than the reimbursement process as we are directly involved in the process. | It takes longer due to the processing of documents and verification. |
Out-of-Pocket Expenses | Less out-of-pocket expenses, as you only have to pay for non-covered expenses and deductibles. | It initially requires full payment, which may cause financial stress. |
How to Claim Cashless Car Insurance Online?
Inform Us
If your car is damaged or meets with an accident, make sure that you inform the insurance company, i.e., Reliance General Insurance, about the incident in detail. In case of theft or third-party involvement, file an FIR as well.
Visit a Network Garage
Secondly, you must visit the network garage for the inspection of your car. After handing over your car keys, inform the garage about your cashless insurance policy to take things forward in a proper way.
Inspection
We will send a surveyor for a detailed inspection of your vehicle and the damages sustained.
Submit the Documents
Submit the supporting documents to the surveyor, including a copy of FIR, policy documents, driving licence, proof of the incident and registration certificate.
Claim Processing
The garage will send us an estimate of the repair costs. Based on the proof and the estimate, we will process the claim.
Claim Approval
Once we approve the claim, we will settle the repair bill directly with the garage. However, note that the expenses that are not covered by your insurance policy and deductibles will not be settled by us.
List of Details and Documents Required for Cashless Motor Insurance Claim
Details Required For Cashless Car Insurance Online Claims
Policy number
Vehicle number
Your contact numbers
Name of the insured person
Date & time of accident
Extent of loss
Make and model of the vehicle
Location
Description of accident
Contact details and name of the insured person (in case the person intimating the claim is not the policyholder)
Documents Required for Cashless Car Insurance Online Claims
Proof of insurance - Policy copy
Copy of driving licence (with original) of the person driving the vehicle at the time of the incident.
Copy of registration certificate, tax receipt, along with the original documents for verification.
FIR (In case of third-party property damage/death/body injury)
Claims Discharge Cum Satisfaction Voucher signed across a Revenue stamp (for claims paid to the repairer)
Cashless Car Insurance Policy Exclusions
Depreciation
It is the deduction in the value of car parts over time due to wear and tear, which is not covered by insurance companies. This value is considered when you claim your insurance and is deducted from the total sum insured. You are responsible for paying the depreciated value.
Consumables
Consumables include items like engine oil, nuts, bolts, lubricants, etc., used during repairs. These are typically not covered under our insurance policies, and you must pay for them out-of-pocket.
Deductibles
This is a fixed amount that you agree to pay when you claim your insurance. Deductibles can be either voluntary or compulsory, set in accordance with IRDAI rules. Each affects the total claim amount and is to be borne by you.
Why Your Cashless Motor Insurance Claim Could Get Rejected?
Driving Without Necessary Documents
According to the Motor Vehicle (MV) Act of 1989, every driver is required to carry these vehicle-related documents at all times while driving their vehicles: driving licence, PUC, insurance policy documents and vehicle’s RC. Failure to do so not only results in a penalty but also a rejection of car insurance claims.
Non-Network Garage
The cashless claims are only valid when you take your car for repairs to one of our network garages. Repairs conducted at any other garages will be rejected under this facility. However, you can still file a reimbursement claim.
Driving Under the Influence of Alcohol or Other Substances
This is again a violation of the MV Act regulations, which is grounds for rejection. It proves you to be a reckless and irresponsible driver, so your claims are not viable.
Incomplete Documentation
Failure to provide all necessary documents, such as a claim form, repair bills and a police report (if applicable), can lead to claim denial.
Unreported Modifications
Any modifications made to your vehicle without reporting to us can result in claim rejection, especially if they contributed to the damage.
Policy Lapse
If your policy is expired or the premiums are not paid, then your claim will not be honoured.
Why Choose IndusInd General Insurance for Cashless Car Insurance?
Network Garages
We have a network of over 11,000+ garages registered with us across the country. This ensures that they are accessible and easy to reach. Additionally, you can get top-notch quality services from these garages.
Policy Coverage
We provide extensive tailor-made coverage to provide protection against most perils under our comprehensive car insurance, such as accidents, theft, fire, vandalism, etc., without emptying your pockets. Additionally, we offer flexibility in coverage by providing you with 10+ add-on options, such as nil depreciation, return-to-invoice, engine protection, etc.
Customer Service
We provide 24X7 dedicated customer service to provide support throughout the critical times, purchases, claims and insurance-related enquiries.
Quick and Easy Online Claims Settlements
Claim settlement with Reliance General Insurance is easy with our transparent video claims and real-time tracking. You can complete the claim process online from anywhere and at any time.
Conclusion
Cashless car insurance has become a popular choice among most policyholders. The reason is apparent: it is convenient, easy, quick and hassle-free. You can opt for our cashless claims anytime while claiming your car insurance and take your car to any one of our network garages for quick and trusted repair work.
Rely on the best cashless car insurance company in the market, Reliance General Insurance, to secure the best financial protection and protect your beloved car.
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Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.>The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like InduInd Limit Sure-Pay As You Drive.
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