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Things You Should Know About Cashless Service For Bike Insurance

Updated On Aug 23, 2021

Cashless bike service is a facility offered by the network garages of the insurance company. Let’s get to know about the meaning of cashless service in bike insurance, its benefits, and steps to get claim and reimbursement process.

All the insurance companies advise the bike owners to own a comprehensive insurance policy as it gives coverage for all kinds of damage and loss arising due to an accident, theft, fire, natural calamity, and so on. After the bike suffers any damage, it is sent to a garage for repair. There are some garages associated with the insurance companies known as network garages where bike insurance policyholders can get cashless repair service for their insured bikes. 

Things You Should Know About Cashless Service For Bike Insurance

What Is A Cashless Service in Bike Insurance?

Cashless bike service is a feature provided by the insurance companies to their policyholders to get their bikes repaired free of cost. Under this facility, the insurance providers take care of bike repair expenses on behalf of the policyholder’s behalf. It saves policyholders from paying anything during the repair work other than deductibles. The insurance companies send surveyors to workshops to assess the damage and settle the claim accordingly. 

Advantages of Cashless Service in Bike Insurance

With cashless service you can get a range of benefits which are as follows:

1. Quick Repair Work

When you reach a network garage of your insurance company to get your bike repaired, they treat you on priority and service your bike quickly and thoroughly. It saves your time and helps you get the best repair service in the least possible duration.

2. Hassle-Free Service

You get to find the smoothest bike repair service in a network garage of your insurance company. The major reason behind such service is because the responsibility to get your bike repaired and its payment is taken by your insurer. So, it makes the process hassle-free and gives you peace of mind.

3. Reliable Facility

Insurance companies add the best repair centres to their network to provide satisfaction to their customers and top-notch repair service. In addition to this, since the best garages are added to the network garage by the insurers, you need not worry about the duplicity of parts or other related issues. 

4. Swift Claim Settlement

The best part of the cashless service is that the settlement of a claim is taken care of by the insurance company itself. You just have to inform the insurance company about your accident or mishap and about your visit to the network garage which makes the claim settlement process quicker and smoother. 

How To Get Cashless Claim for Bike Insurance?

Here are a few steps which you should follow to get a cashless claim settlement for your bike insurance:

Step 1: Visit the nearest police station and file an FIR and get its copy.

Step 2: Inform your insurance company so that they can initiate the process and send a surveyor to assess the damage. They can also help you find network garages nearby your location.

Step 3: Select a garage and take your bike to that network garage for repair. Once it gets repaired, sign the required documents and receive your bike from the network garage.

Step 4: Collect the invoice made by the network garage which will be paid by your insurance company. If the repair cost goes above your bike insurance coverage only in that case you may have to pay the extra amount otherwise you do not have to pay anything.

However, if due to any reason, your bike could not get repaired in the network garage of your insurer, then you will need to make the payment for the repair cost that will be reimbursed later by your insurance company. 


Most insurance companies offer cashless repair services for bike insurance. With this facility, you can get the repair service for free and the repair bill is settled by the insurance company. In this article, we have mentioned the benefits and steps to claim cashless service. We hope it will incline you towards raising the cashless claim only and help you to raise the claim without any hassle.

Also Read:

Purchasing A Used Bike From A Different State? Keep These Things in Mind!

A First-Time Bike Insurance Buyer's Guide 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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