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 IndusInd Insurance 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.

Key Features of IndusInd Cashless Car Insurance

Key Features	Descriptions
Starting Premiums	Affordable plans starting at just ₹308/month*
IDV Customisation	Adjust your car's insured value easily
Coverage Offered	Own Damage & Third-Party Liability protection
Discounts	Save up to 90% on your premium
NCB Discount	Premium starting up to 50% no-claim bonus
Quick Claims Process	Claims surveyed and processed within 24hrs
Smartphone-Enabled Claims	Instant video claims via the IndusInd Insurance app
Network Garages	Access 11,000+ cashless garages across India
Instant Buying/Renewal	Buy or renew your policy in minutes
Add-Ons	Choose from 15+ add-ons plus 3 EV
Personal Accident (PA) Cover	Get additional ₹15 lakhs PA protection
24/7 Customer Support	Round-the-clock WhatsApp and call assistance

How Does Cashless Car Insurance Policy Work?

IndusInd General Insurance has a tie-up with over 11,000+ 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.

Benefits of IndusInd Cashless Car Insurance

Quick and Efficient Claim Process

Your cashless car insurance policy settles claims faster with minimal paperwork. Simply file your claim through the IndusInd Insurance Insurance app from anywhere, get quick approvals and have bills settled directly without waiting for weeks like traditional methods.

No Upfront Payment Required

You don't need to arrange funds or pay repair bills from your pocket. With cashless insurance car coverage, just take your vehicle to the garage, and we handle all payments directly with them, making repairs simple.

Track Everything Online

Check your claim status anytime from your phone or computer. You'll see exactly what's happening at every stage, from inspection to approval, and once cleared, we settle the bill directly with the garage, keeping you fully informed.

Worry After Accidents Less

Stop stressing about arranging large amounts immediately after an accident. Your cashless car insurance policy removes the burden of upfront payments, letting you focus on what matters instead of scrambling for money during difficult times.

Wide Network Garage Access

Choose from over 11,000+ authorised garages* across India under your cashless insurance car policy. This extensive network ensures quality repairs are always nearby, giving you convenience and reliable service wherever you are nationwide.

Difference Between Reimbursement and Cashless Car Insurance

Parameters	Cashless Car Insurance Policy	Reimbursement Car Insurance
Definition	This type of car insurance allows you to make cashless claims, where the insurer settles the bill directly.	With this insurance, you pay the repair costs upfront and get them reimbursed from your insurer later.
Process	This is a simplified and quick process with minimal paperwork.	It requires you to save every bill and receipt, making it a complex process with heavy paperwork.
Network Requirement	Available only at any of our authorised network garages.	Can be availed at any garage of your choice.
Payment	We directly pay the garage during the claim settlement process.	You pay the garage and get it reimbursed later.
Claim Settlement Time	It is quicker than the reimbursement process as we are directly involved in the process.	It takes longer due to the processing of documents and verification.
Out-of-Pocket Expenses	Less out-of-pocket expenses, as you only have to pay for non-covered expenses and deductibles.	It initially requires full payment, which may cause financial stress.

How to Claim Cashless Car Insurance Online?

Step by step guide to cashless claim settlement process

Step 1

Inform Us: Contact IndusInd General Insurance immediately after the accident. Share incident details and file an FIR for theft or third-party cases.

Step 2

Visit a Network Garage: Take your vehicle to our network garage and hand over the keys and inform them about your cashless car insurance policy.

Step 3

Submit Documents: Provide FIR copy, policy papers, driving licence, incident proof and registration certificate to our surveyor for claim verification and inspection
of your vehicle and the damages sustained.

Step 4

Claim Processing: The garage sends repair cost estimates to us. We review all documentation and estimates, then process your cashless claim..

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.

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.

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List of Details and Documents Required for Cashless Motor Insurance Claims

Details Required

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

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)

What's Not Covered Under Cashless Car Insurance

Depreciation Costs

Car parts lose value over time due to regular use and wear. This reduced value isn't covered by your cashless car insurance policy, so you'll need to pay this depreciated amount yourself.

Consumable Items

Items like engine oil, coolant, nuts, bolts and lubricants used during repairs aren't included in coverage. You'll have to pay for these consumables separately from your own pocket during servicing.

Deductible Amount

This is the fixed sum you agreed to pay from your side when buying the policy. Whether compulsory or voluntary, this deductible amount gets subtracted from your total claim value.

Also Read: What is zero depreciation?

Why Your Cashless Motor Insurance Claim Could Get Rejected?

Driving Without Necessary Documents

Always carry your driving licence, PUC, insurance papers, and RC while driving. Missing documents during accidents means your cashless car insurance policy claim gets rejected immediately.

Non-Network Garage

Your cashless motor insurance works only at authorised network garages. You won't be able to get paid claims for repairs done elsewhere, but you can still apply for reimbursement later.

Driving Under the Influence of Alcohol or Other Substances

Driving while intoxicated violates Motor Vehicle Act rules. This irresponsible behavior automatically disqualifies your cashless car insurance policy claim, which leaves you financially unprotected and liable.

Incomplete Documentation

Submit all required papers, claim form, repair bills and police reports. Missing documents can delay or reject your cashless motor insurance claim, so keep everything organised.

Unreported Modifications

Inform us about vehicle modifications like engine upgrades or body changes. Your cashless car insurance claim could be denied if you don't report changes that were made, especially if they were caused by damage.

Policy Lapse

Keep premiums paid and policy active always. An expired cashless motor insurance policy means no claims honored, which leaves you to bear all repair costs yourself.

Why Choose IndusInd General Insurance for Cashless Car Insurance?

When accidents happen, you need support that's quick, reliable, and simple. For your convenience, IndusInd General Insurance provides comprehensive cashless auto insurance online, along with features designed to make the process of filing a claim as simple as possible.

11,000+ Network Garages*

Wide accessibility across India nationwide.

15+ Add-Ons*

Customise coverage with flexible add-on options.

24/7 Support*

Round-the-clock assistance for every query.

Quick Settlement with IndusInd Insurance App*

Video claims with live tracking

Key Takeaways

Dealing with vehicle damage is stressful enough without worrying about immediate payments. Cashless car insurance changes this experience by removing financial barriers when you need repairs most. Instead of arranging lakhs for upfront payments and then waiting weeks for reimbursement, you simply drive to an authorised garage and let them handle everything directly with us.

The real value lies in financial protection during difficult moments. Whether it's a minor dent or major accident damage, knowing you won't face immediate financial strain makes all the difference. While you'll still cover deductibles, consumables, and depreciation (unless you choose a zero depreciation add-on), the major repair costs are handled without touching your savings.

Cashless car insurance online isn't just about convenience; it's about financial security when accidents happen. When you choose IndusInd General Insurance (formerly Reliance General Insurance), you gain access to over 11,000+ authorised garages* nationwide through our easy-to-use garage locator tool, video claims with real-time tracking, and 24x7 support* that ensures help is always available, giving you comprehensive coverage backed by India's most extensive garage network.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Car insurance starting at just ₹308 per month*

Get full-circle protection for your Car

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Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

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Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

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Chirawa

Value for money

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

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Yavatmal

4.5

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My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

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Quick policy issuance

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West Tripura

Quick policy issuance

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West Godavari

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West Godavari

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West Godavari

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West Godavari

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West Godavari

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West Godavari

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I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good experience.

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Washim

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Warangal

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Warangal

Quick policy issuance

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Warangal

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Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

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Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

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Warangal

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From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

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Warangal

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Warangal

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Warangal

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Value for money

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Wanaparthy

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Quick policy issuance

I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

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I had a positive overall Reliance Insurance (now IndusInd Insurance) experience while applying for Car insurance. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

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Visakhapatnam

4.5

Seamless digital experience

I found the insurance experience to be well-paced and user-friendly. The policy I selected felt comprehensive and relevant.

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Visakhapatnam

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Visakhapatnam

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Visakhapatnam

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Frequently Asked Questions (FAQs)

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 IndusInd General Car Insurance.

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.’

Can you visit any garage to avail cashless facility?

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.

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.