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What Are Network Garage In Bike Insurance?

Written by Amit Jain
Updated On Aug 17, 20222 min read

What Are Network Garage In Bike Insurance?

Service centres known as network garages offer cashless claims. Simply bring your car to one of these garages in the event of damage, and the insurance company will pay for the repairs out of pocket! The possibility to get a car or bike repaired at a garage without paying the full amount is referred to as cashless garages.

Provided that the garage is on the insurance company's list of free repair garages, this feature is provided and may be utilised in the event of any accident at the closest garage. It is now compulsory to have insurance coverage for your two-wheeler due to the motor vehicle statute.

What Are Network Garage In Bike Insurance?

Need For Cashless Network Garages

The need for a cashless network garage has never been felt more. Because accidents are occurring more frequently, it is essential to carry insurance and renew it before it expires. You must obtain automobile insurance if you operate a two-wheeled vehicle.

After an accident, the owner looks for bike repair services and insurance help, which enables them to get the bike fixed at the recommended two-wheeler shop. Cashless bike insurance means that the insurance provider will pay for the entire cost of the repair, so the policyholder won't need to have any money on hand. 

The Working of Two-Wheeler Network Garage Policies

To offer cashless services, insurers have arrangements with numerous garages and workshops. These service providers will repair your two-wheeler in accordance with the policy's inclusions and terms and conditions. Your insurance company receives a single bill for all such repairs. The insurance pays the invoice to the garage or workshop after validating the information. The entire process is simple, quick, and convenient. Prior to making repairs, it is crucial that you notify your insurer of the accident or damage.

How Can Cashless Bike Insurance Be Redeemed?

Step 1: Write down the licence plate number of the other vehicle that was in the accident with you.

Step 2: Jot down the names of any accident witnesses.

Step 3: As soon as you can, report the accident to the insurance provider either offline or online.

Step 4: Report the accident at the closest police station to the scene. Take a copy of the FIR as well.

Step 5: Subsequently, the insurance will get in touch with you and request all the required paperwork.

Step 6: After the document verification is completed, the company will estimate the costs and repay the money.

It is also feasible to repair the bike on your own and then submit the invoice for reimbursement to the insurance provider.

Benefits of Cashless Claims Over Reimbursement Claims

A better and more efficient approach than reimbursement is a cashless claim. The following explains 

  • Mental calm: Your physical as well as emotional health would suffer as a result of the accident. You won't have to worry about the additional stress of paying your two-wheeler costs in this situation.
  • Hassle-free: Every insurance provider has connections with a sizable number of garages. The process is simple because the company deals directly with the garages.

When you bring your bike to a network garage, the insurance ensures that it receives priority repairs.

Unlike reimbursement, where you are required to make the payment and the insurer reimburses the paid amount within a few days, repair payments are handled by the insurer on your behalf.


It is advised to select the top two-wheeler insurance provider that has a sizable network of affiliated garages. In the event that your bike is broken anywhere in the nation, there is a good probability that you will be able to discover a network garage nearby and receive the cashless claim. By visiting their official website, an insurance company's network garages may be easily checked online.

Also read: Coverages Under Bike Insurance: Everything You Need To Know

How Can I Check the Expiry Date of My Bike Online?


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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Written by Amit Jain
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 Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe. In his free time, Amit likes to play cricket.

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