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What Are Network Garages In Car Insurance?

Updated On Oct 18, 2023

What Are Network Garages In Car Insurance?

In the case of vehicle insurance, insurance companies give cashless payments for repairs in order to simplify the entire claim procedure. Insurance providers who have agreements with particular garages carry out this (car repair shops). 

An insurance company settles an automobile insurance claim at these partner garages without the use of cash, paying the garage's repair bill immediately. As a result, except for their own liabilities, the policyholder is not compelled to pay the garage anything for the repairs to their car.

What Are Network Garages In Car Insurance?

How To Make A Cashless Car Insurance Claim at A Network Garage?

To make a claim at a cashless garage you can follow the instructions below:

Step 1: If there is any kind of damage to your car, then inform your insurance provider regarding the same as soon as possible. Make sure to inform them regarding the most damaged parts. Later, tow or drive your car to the nearest garage listed by your insurance provider.

Step 2 :Complete the policy document and get it approved for cashless repair in step two. Additionally, in addition to the deductibles, you might have to pay for the depreciation on certain of your car's components.

Step 3: Following completion of the repairs, the garage would submit an invoice to the insurance provider along with the required paperwork. The insurance company would then issue the amount after evaluating and validating the paperwork.

Step 4: The insurance company would only pay for damages that were covered by the insurance policy. Any additional repair expenses must be covered by the policyholder.

Benefits of Network Garage in Car Insurance

You should consider how many cashless garages are included in the insurer's network before purchasing a car insurance policy.  Below are some of the benefits of such an exercise:

  1. A Hassle-Free encounter

You can experience a hassle-free claim process because it is a cashless garage, or a garage that is a part of the insurer's network, so everything will be handled by the insurer itself. Even the cost of the repair or replacement performed at the cashless network garage is covered for policyholders.

  1. Service Priority

The policyholders of insurance firms are given preference in service by the insurers' partner garages. So, you may anticipate quick servicing at these network garages. The process from payment to repair is hassle-free since the network garage contacts the insurer directly.

  1. Rapid Settlement of Claims

When a claim is made at a cashless garage, it is settled more rapidly than a reimbursement claim, which may take 7–10 days to resolve. Since the surveyor's report is consulted by the insurance company to authorise the claim before repair work begins, the procedure is destined to be completed quickly.

  1. Straightforward

The entire settlement process becomes highly transparent because the insurance company's surveyor is directly involved in the claim insurance process by visiting the network garage from the start, and both the insured person and the insurance company are assured of no fraud and ensure correct billing because the repair estimates are sent before the beginning of any repair work. 

  1. Service of Guaranteed Quality

Every insurance provider makes sure that the services provided to consumers are of a high calibre. Insurance companies partner with top-tier network garages or workshops that meet their standards for excellent repair in order to guarantee such high-quality service. The policyholders typically receive better repair services through this procedure and are ecstatically satisfied.


It is therefore advised to select the top car insurance provider that has a sizable network of affiliated garages. In the event that your car is broken anywhere, 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: How Does Aesthetic Modelling Affect The Premium Of Car Insurance Policy?

Tips To Lower Premium For Car Insurance Policy


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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