Comprehensive list of network garages for any car insurance company in India.
A car insurance is a unique purchase because it is a product that you would hope to never use for claims, but if you end up doing so, you would be glad that you bought it in the first place. In the event of an accident that damages your car, after the initial feeling of disbelief and anxiety settles, you should ideally shift your focus on getting your vehicle back into shape. In line with this, it is important to select a workshop that provides reliable service in a fair and honest manner. When you choose a garage, you should look to find one that does not overcharge you or perform repairs that were not necessary.
Certain establishments of the motor repair trade have acquired a poor reputation, some justified as well, as “rip-off service stations”. Overall, when there is a necessity of a large amount of repair work to be undertaken, there is a general lack of trust between customers and garages, which has led to perpetuation of problems.
Most car insurers today provide you the facility to get your car repaired at authorised garages, which are in the network of the insurance company. Network garages are identified by insurers based on their ability to provide:
The Motor Vehicles Act, 1988 mandates that all vehicles plying on Indian roads should be protected with at least a minimum insurance, i.e., the third-party liability insurance. This insurance protects the car owner from losses due to death, injury, or property damage to third-party. Apart from the standard cover for motor vehicles, insurance providers also offer cashless facilities for the settlement of claims.
Under the cashless insurance cover, the car owner can choose to get his vehicle repaired at a service station that has a tie-up with the insurer. In this scenario, the customer is not expected to pay for the repair work upfront; once the repairs are done, the insurance provider will settle the expenses with the garage.
Most insurers have thousands of network garages spread across different locations in the country. If you have opted for cashless insurance, you will just have to take the vehicle to an authorised garage from the pre-defined list specified in your policy.
The process of cashless claims follow the path specified below:
In car insurance parlance, a deductible or excess is the amount of money that the car owner pays towards the repair of the vehicle, before the policy provides the rest. There are many who consider that opting for a greater amount as deductible is an effective way to reduce car insurance premiums. However, you should ensure that you are able to afford the deductible, as you will be required to pay this amount in the unsettling situation of an accident.
Deductibles are classified into two categories:
Understanding how the choice of deductibles impacts your overall contribution towards the policy is important for availing the right coverage at an optimum price. Selecting your deductible amount should be guided by your confidence as a driver.
In case you are an experienced driver, with a good history on the roads, you can opt for higher voluntary deductibles to bring down the cost of your policy. This is based on the assumption that you would not often be in a situation where you would raise claims and be liable to bear the deductible amount.
Depreciation is effectively the loss of value of the vehicle as it ages. As the car incurs wear and tear with time, the value of the vehicle also diminishes. The rate of depreciation is directly proportional to the Insured Declared Value of the car. For instance, the depreciation for a car that is 1 year old is 5%, while that for a 10 year old vehicle is 50%. So, as the car ages, its rate of depreciation increases and the amount offered by the insurer for the car will decrease progressively.
Depreciation is applicable to all car parts, except those made of glass. The rate of depreciation for plastic parts, rubber, air bags, and batteries is 50%, whereas the value for all fibre components is 30%. Depreciation is the part of the claim that is mandatorily borne by the car owner at the time of a cashless claim. To avoid paying this amount in the event of a claim, the car owner can opt to purchase a Zero Depreciation add-on cover. However, he/she will be required to pay a greater premium each year for this added coverage.
Opting for approved workshops to get your vehicle repaired after an accident has multiple advantages:
Mr. X had purchased a motor insurance policy that would not support cashless claims. Although he was a confident driver on the roads, he once incurred damages to his vehicle in an unprecedented collision. At the accident spot, he was anxious to get his car to a service station for repair. Since he was not equipped with a cashless claim facility, he decided to get it towed to a nearby garage and get it back on the road at the earliest. However, he endured a lot of obstacles in his attempt to get the repair work done. Additionally, he had to face the consequences of certain terms that were laid down by the insurer that left him at a disadvantage.
So, here are some points to remember when choosing a service centre outside the insurer’s network:
Some of the prominent insurance providers with a wide network of partner garages are listed below:
As soon as your car is involved in an accident, you should contact your insurance provider and provide him a detailed description of the incident. You can do this through email, phone call, SMS, etc. as mentioned in your insurance policy.
Your insurance company has a network of authorised garages where they can exercise their influence and usually get the repair work done in a more cost-effective manner. Hence, when you get the repair done elsewhere, the insurer may be of the opinion that it could have been done at a cheaper cost at an authorised garage. Hence, they may not pay out the entire cost of repair.
The list of authorised service stations is usually published in the official website of the insurance company. You will also be provided this information at the time of policy purchase. Additionally, you can contact your insurance agent or the insurance company at their toll-free number for this information.
Cashless Garage facility allows you to get your car repaired at a network garage without having to bear the cost of damages. You will only be required to pay the deductibles and the depreciation value of your vehicle.
Roadside Assistance is an add-on cover for your car insurance that allows you to pay a minimal amount as premium for insuring your car against the following risks:
Although the insurance provider facilitates in providing assistance in such dire circumstances, the expenses for these services will be borne by the car owner.
In the case of a car insurance claim where the repair was done at an authorised garage, the insurance provider will offer a guarantee for the repair work. This guarantee will last for a period of three years or more.