If your car has been through an accident, then arranging a large amount of money upfront can be stressful. Cashless car insurance makes this easier by allowing the insurer to settle the approved repair bill directly with a network garage.  

It also depends on the type of car insurance plan you choose, but it can still reduce your immediate financial burden and make the claim process much simpler. 

What Is Cashless Car Insurance? 

Under cashless car insurance, you can get your car repaired at an insurer's network garage without paying the full repair bill yourself. The insurer settles the approved amount directly with the garage. However, you might have to pay deductibles, depreciation and other expenses that are not covered by your car insurance plan. 

Benefits of Cashless Car Insurance 

Cashless car insurance can make the claims experience easier, especially when your car needs major repairs. 

• Lower upfront payment: You do not have to arrange the full repair amount before the work begins. 
• Simpler claim process: The insurer and network garage coordinate the approved repairs and settlement. 
• Faster settlement: Since the insurer pays the garage directly, the process can be quicker than reimbursement claims. 
• Less paperwork: You generally do not have to manage extensive bills and payment proofs for reimbursement. 

How to Claim Cashless Car Insurance? 

The cashless car insurance claim process usually involves these steps: 

1. Inform your insurer: Report the accident or damage to your insurer as soon as possible. Provide your policy details and basic information about the incident. 
2. Register the claim: Once your claim is registered, you will receive a claim reference number.  
3. Choose a network garage: Take your car to an insurer-approved network garage. Cashless settlement is generally available only at these garages. 
4. Vehicle inspection: The insurer arranges an inspection to assess the damage. 
5. Claim approval: The insurer reviews the damage and approves the repair work covered under your car insurance plan. 
6. Repair and settlement: The garage repairs your car after approval, and the insurer pays the approved amount directly to the garage 

Key Features of Cashless Car Insurance 

Some important features to check when choosing cashless car insurance include: 

• Network garages: Check whether the insurer has network garages in your city and near places you frequently travel. 
• Direct settlement: The insurer settles the approved repair cost directly with the garage. 
• Claim assistance: Look for a clear process for registering and tracking your claim. 
• Coverage limits: Check what repairs, parts and expenses are covered before making a claim. 
• Deductibles: Understand the amount you may need to pay from your own pocket. 

Cashless vs Reimbursement Claims 

If you cannot take your car to a network garage, then you can make a reimbursement claim instead of a cashless one. Here, you pay the repair bill yourself and later submit the required documents to the insurer for reimbursement. 

Choose Convenient Car Insurance With IndusInd 

A cashless facility can make unexpected car repairs easier to manage. With IndusInd Car Insurance, you can explore car insurance plans based on your coverage needs. The plans include third-party coverage, comprehensive plans, pay-as-you-drive and more. Choose what suits you and drive without any worries.