What are cashless garages in bike insurance& how do they work?

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Two Wheeler Insurance
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What are cashless garages in bike insurance how
do they work?
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The tech-savvy millenials have brought in a
number of changes along with them. Gen Y believes
in getting their work done as quickly as
possible thus, the concept of cashless purchase
has been introduced in a number of segments such
as shopping, transportation, medicine, etc.
Therefore, in a similar way, even the insurance
segment has adopted this concept by introducing
cashless garages in two wheeler insurance.
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What are cashless garages?
These garages are the ones which have tie-ups
with your insurance company and thus, provide the
feature of cashless repairs for your motorbikes.
All you need to do is contact your two wheeler
insurance company/ agent or visit their online
websites to obtain the list of cashless garages
and then ensure that you repair your vehicle
through them. These garages will then repair your
vehicle and send the bill to your insurance
company to claim the amount from them. However,
remember that the garages will offer cashless
services only on the repairs included under the
coverage. For e.g. the garages will not offer the
cashless repair facility for your bikes
modifications, etc. Further, you even have to
bear the amount of set deductibles from your
wallet. Also, check with your insurance company
to see whether they provide the facility of
cashless garages in the first place.
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How do these cashless garages work?
The functioning of these cashless garages is
similar to that of your normal claim. In order to
simplify the process, we have made a list of a
few steps that you should follow to avail
cashless assistance through your two wheeler
insurance policy. These steps are here as follows
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• In case of an accident, the first thing that you
  must do is to recollect the pieces of important
  information such as the car number of the other
  party involved in it, contact details of
  witnesses present at the incident, etc.
• Then, ensure that you contact the nearest police
  station and lodge an FIR (first incident report)
  through them. This report will come handy when
  you file a claim.
• After which, you must contact the motorbike
  insurance company as quickly as possible to
  narrate the incident with them.
• Later on, you need to submit your two wheeler at
  one of the allocated network garages and receive
  cashless repairs. The insurance company might
  send-in one of their agents to inspect the damage
  and you might get called to the garage for
  further process. After which, you will have to
  produce the relevant documents such as your FIR,
  insurance papers, etc. for further processing.
  Later on, your motorbike will be repaired at
  delivered to you.

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However, remember that there are a lot of
intricacies that go into the scenario and the
steps for cashless repairs at garages might
differ from one insurance company to another.
Therefore, ensure that you contact your two
wheeler insurance company, to get a clear insight
into the process at the time of your policy
purchase. Further, the toughest part of repairing
your motorbike is taking it from the accident
spot to the garage. Therefore, also inquire about
the roadside assistance add-on, as it is not a
part of the services provided under the cashless
garages.
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