Cashless Car Insur​ance

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? Read on to know more.

What is Cashless Car Insurance?

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 Reliance 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 10,000+ 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.

Quick Claim Settlement

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?

Reliance General Insurance has a tie-up with over 10,000 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.

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.

Differ​ence Between Reimbursement and Cashless Car Insurance

How to Claim Cashless Car Insurance Online?

1. Step 1: 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.
2. Step 2: 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.
3. Step 3: Inspection: We will send a surveyor for a detailed inspection of your vehicle and the damages sustained.
4. Step 4: 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.
5. Step 5: 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.
6. Step 6: 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.

Also Read: What is zero depreciation​?

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 Reliance General Insurance for Cashless Car Insurance?

Claim Settlement Ratio

With a 100% claim settlement ratio for FY 2023-24, we ensure that all valid claims are settled quickly and transparently. This will ensure that you get financial help when you need it.

Network Garages

We have a network of over 10,000 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.

Frequently Asked Questions

• Does it cost extra money to avail of cashless car insurance?

No, you do not have to pay extra to benefit from this valuable service. You can simply choose this option while claiming your Reliance General Car Insurance.

• What if there is no cashless garage close to my location?

If you are unable to find a cashless garage near your location, you can take your car to any garage of your choice and get the repairs done. You can claim the reimbursement after it is completed.

• Does the policyholder have to make any payment in case of a cashless claim?

You will have to cover the expenses for deductibles, consumables, depreciation value and expenses for the uninsured parts for cashless claims.

• What if my cashless car insurance claim is denied?

You can contact our customer support team to understand the grounds for rejection. Additionally, you can also report your grievance on the Insurance Regulatory and Development Authority of India's (IRDAI) website.'

• Do I have to notify my insurer immediately after my car meets with a collision?

  Yes, you must inform us about the incident within 24 hours to avoid facing rejections. You can do that by contacting us through our helpline number, +91 22 48903009.​

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.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Comprehensive car insurance: Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.