Cashless Garages in Vehicle Insurance: Car/Bike Garages

Cashless Garages in Vehicle Insurance: Car/Bike Garages

Cashless Garage Facility in Selected Cities*


ACKO Cashless Garages

All about Car/Bike Garages

Damaged your car? ACKO Cashless Garage offers a simple and stress-free way to fix your car/bike damages. 

With the help of ACKO Cashless Garages, policyholders can get their car/bike repaired and also settle claims in a hassle-free way. 

What are ACKO Cashless Garages?

At ACKO, we have tied up with hand-picked garages that are specialized and well-equipped to help you with all the car repairs under one roof. When you get your vehicle repaired at ACKO Garage, you don’t have to pay for anything except for deductibles as per policy guidelines. We will settle the remaining amount directly with the garage. Plus, the best part is that we will deliver the repaired vehicle to your doorstep for free within 3 working days. 

Policyholders can opt for ACKO Cashless Garage while buying a Comprehensive Car Insurance or a Two-wheeler insurance plan. 

One cannot enjoy the benefits of ACKO Cashless Garage while buying only Third-party Insurance Plan, as it doesn’t cover damages caused to your car during an accident, fire, natural calamities, or riots.  

How does ACKO Cashless Garages make Car Insurance Claim Stress-free?

Easy, super-fast, and convenient - that’s exactly how your vehicle gets repaired and the claim is settled with ACKO Cashless Garages.

Step 1: You can inform ACKO about the damages either via call, email, or mobile app.

Step 2: Our dedicated team will verify the details. 

Step 3: After successful verification, we will arrange for a free pickup of your vehicle within 1 hour (in select cities). We will take the vehicle to our ACKO Cashless Garage, where we repair your car. 

Step 4: The mechanic and our surveyor will assess the damage and arrive at the repair cost.

Step 5: The repaired car will be delivered to your doorstep within 3 days, subject to terms and conditions. If we don’t deliver within 3 days, we reimburse you with cab vouchers for your daily commute.

Step 6: ACKO will settle the bill directly with the garage. You might be asked to pay for expenses/deductibles as per the terms and conditions of the policy.  

Note that this is an overview of the claims process. Exact details might vary on a case-to-case basis.

Benefits of ACKO Cashless Garages

1) No Upfront Payment

Sometimes, the vehicle’s repair cost can be huge, and it can be difficult for you to arrange the money without letting your financial plan go for a toss. Unlike a Reimbursement Claim, you do not have to pay money to the garage for repairing the car/bike.

2) Zero-hassle Process

As ACKO settles the bill directly with the garage, you do not have to worry about the details related to coordination, communication, and cost of repairs. Considering our tie-up with handpicked and specialized garages, we take care of everything - pickup, repairs, delivery, and bills. This ensures that your claim is settled without any roadblocks.

3) Optimize Savings

ACKO will pay the invoice bills after considering the deductible of Rs. 5,000 when you get your car repaired at a non-network garage. Hence, if you think that the chances of claim are higher, it is advisable to opt for ACKO Cashless Garage to pay less during settlement and enjoy a trouble-free repair experience.

Common Questions About Cashless Garage

Here are some common questions regarding car/bike Cashless Garages.


1) Why is it necessary to inform the insurance company before getting the car repaired?

The insurance company needs to have a look at the vehicle before it is repaired to gauge the extent of the repairs it requires and to ascertain the damages covered as per the policy.

2) How can I come to know if a garage is part of the insurer’s network?

If you want to enquire about a garage, you can ask the insurer about it via call or email. 

3) Along with the repairs, I also want other services of the garage. How does that work out in a Cashless Garage?

The Cashless Garage arrangement with the insurance company is only related to the damages covered as per the policy. If you want to engage with the garage for other services, you must do it individually. The insurance company will not pay for it.

4) Can I ask the insurance company to tow the damaged car to a garage of my choice?

Yes, you can get into a discussion with the insurer regarding such an arrangement.

No one wishes for their vehicle to be damaged. However, in cases of damage, all you would care for is that the repair and claim settlement process is seamless and stress-free. 

And that's where ACKO Cashless Garages can be a big saviour. With our wide network of specialized garages, we ensure that your vehicle repairs are fixed in a quick, easy, and stress-free manner. 

What are Cashless Garages?

A Cashless Garage or a Network Garage in the parlance of vehicle insurance means a vehicle repair shop that has a tie-up with the insurance company. Often, insurance companies have such tie-ups with garages across the country to offer ease and convenience to their customers. 

Cashless Garages do not charge repair fees from the vehicle owner (also the policyholder). The garage and the insurer settle the bill amongst themselves. As the policyholder is not required to pay cash (money) to the garage for the repairs, the garage is termed as a Cashless Garage and the claim is termed as a Cashless Claim. Note that this arrangement and claim settlement process is subject to the terms and conditions of the policy. The policyholder may be required to pay for deductibles, extra repairs, etc.

How does Cashless Garages Work?

There are two ways of raising an insurance claim under the Comprehensive policy. You can either take the damaged car to a garage of your choice (which might not be a part of the insurer’s network) or you can get your car repaired at a garage that is a part of the insurer’s network.

Reimbursement Claims

When you take the car/bike to a garage of your choice or a non-network garage, you may have to first take your vehicle to a garage, follow-up for repairs, settle and pay bills, get your vehicle back home and then get your bills reimbursed from the insurance company. In this case, the insurance company will reimburse the bills after considering the deductibles as per the terms and conditions. Looks like a lot of time and effort here!

Cashless Claims

As the name goes by, Cashless Garages enable you to get your vehicle repaired without having to pay the bill. In this case, all you have to do is inform ACKO about the damage and ACKO will do the rest for you. We will arrange for a pickup within 1 hour (in select cities), get your car instantly repaired, and deliver it to you within 3 days. And between all this - you don’t have to pay anything, as we shall settle the bill directly with the garage.

This way, you save your time and also do not have to pay the repair bill except for the minor deductibles as per the terms and conditions of the policy.  

You can opt for ACKO Cashless Garage only while buying a Comprehensive Insurance Plan and is not applicable while buying only Third-party Insurance Plan.

What is Covered in ACKO’s Comprehensive Car Insurance Policy?

ACKO’s Comprehensive Plan offers the following coverage.

1) Third-party Cover:

The mandatory Third-party Car Insurance Cover for the policyholder. This will protect you against injuries caused to someone else or damages to their property/vehicle.

2) Own Damage Cover:

Cover against damages to the insured car due to accidents, theft, riots, fire, or natural calamities.

3) Personal Accident Cover

This is not an insurance plan, but an additional cover that is mandatory by law. We strongly recommend buying a Personal Accident Cover, as it will secure you against death/any disabilities during an accident.

Know More About ACKO Cashless Garages

More FAQs

Can I repair my car and then inform ACKO?

No, you must inform us at the earliest to avoid rejection of the claim. And it should always be before getting the car repaired on your own.

I want the list of ACKO’s Cashless/Network Garage. What should I do?

With ACKO, you don’t have to worry about anything while getting your vehicle repaired. 

Depending on the damage, the repair required, and to offer you quick and quality services, we take your car to the most convenient network garage and deliver your car within 3 days. We offer cashless claims across a wide network of garages, hence it is difficult to share the list. 

I want to take my car to a garage of my choice. Can I still enjoy the cashless claims facility?

When you get your car repaired from our partner garages, you save a lot of time, effort, and money. However, if you still want to get your car repaired at a garage of your choice, we can still offer a cashless-like settlement at a non-network garage. We transfer our liability for any legitimate claim directly to the garage, even before the delivery of the car, within a few hours of invoice receipt. In this case, the policyholder needs to share non-network garage bank details for cashless-like settlement. However, in such cases, you will have to pay Rs. 5,000 extra as a deductible amount when you opt for ACKO’s exclusive insurance plans. 

What happens if I get my car repaired at a non-network garage?

During claims, if you get your car repaired at a non-partner garage, you will have to pay Rs. 5,000 as a deductible amount depending on the terms, conditions, and the type of plan that you have purchased.

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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