Get list of network garages associated with L&T GENERAL INSURANCE in India.
Note: L&T General Insurance is now HDFC General Insurance.
L&T General Insurance offers products under health insurance, motor insurance, home insurance corporate insurance, SME insurance and rural insurance. The insurance portfolio of L&T was bought by HDFC Ergo in June 2016, and merged with the products offered under the sub-division HDFC General Insurance.
Motor insurance – especially third party insurance – is mandatory under the Indian law. Every vehicle – whether a two-wheeler or a four-wheeler – has to be covered by a motor insurance policy in order to ensure that unpredictable events such as accidents do not burden you with liabilities and debts. Comprehensive insurance products also offer accidental death or disability cover, as well as protection against theft, injury to self and car due to own negligence, and damage to the car due to any external event, man-made or natural. Such a car insurance policy ensures that you are protected against any unforeseen event at any time.
To avail the benefits of cashless service centres, you need to join the cashless garages plan at the time of choosing and finalising your insurance policy. For you to avail the full benefits of L&T cashless claims, you need to take your vehicle to one of the authorised service centres. Cashless garages are affiliated to L&T and give you optimal service and insurance benefits. You can service or repair your vehicles without having to pay any cash. The insurance company will settle your claims through the garage directly, once the repairs have been carried out. The bill and a report of vehicular damage and claim details will be sent by these cashless service centres directly to your insurance provider, making life convenient for you.
L&T has an extensive garage network across India, numbering around 1,370, and growing every day. State-wise distribution of L&T cashless garages are as given in the table below:
|State/Union Territory||No. of cashless service centres|
The popular garages in prominent Indian cities are:
L&T cashless garages offer the following services:
The first thing to do when making an insurance claim is to call L&T (HDFC) on their toll-free number 1800-209-5846, and inform them about the incident and the nature of the claim you will be making. The company will give you a claim number and explain the claims process to you. You also need to find the nearest cashless service centre or network garage for investigation and repairs.
Before making your claim for any accident ensure that you have information about the model and number of the vehicle involved in the accident with you, and names and contact numbers of witnesses. If anyone is injured due to you in an accident, take the victim to the nearest hospital. You also need to file an FIR with the nearest police station – this is needed in case of accidents, injuries and death, theft, fire, burglary or other anti-social activities.
Yes. Each policy may have a number of exclusions wherein your claim will be invalid. Some of the exceptions are:
Each policy will have its own set of inclusions and exclusions – read the offer document carefully to find the required information.
You can make a claim if your insurance policy covers paid drivers or if the driver has a valid driving licence. The insurance basically covers the seating capacity of the vehicle.
If you sell your car, coverage of third party liabilities continues, while personal liability/death and disability coverage ceases. The new owner has to submit a new application form to continue the third party liability cover and add personal cover for herself/himself.