Insurance & Cashless Claim Repairs
Accident damage repaired in our own body shop, with the survey coordination and the paperwork handled for you.
Cashless insurers
We are a cashless garage with the following insurers:
- Future Generali
- ICICI
- Reliance / IndusInd
- HDFC
Your insurer is not on that list? You can still come to us. We handle claims from every insurer, including Royal Sundaram, on a reimbursement basis — you settle with us and claim it back. We coordinate the survey and prepare the paperwork exactly the same way, and we will make sure you have every document you need.
Who controls each step
A claim adds steps that are outside our control, and the honest thing is to say so at the outset.
| Step | Controlled by |
|---|---|
| Claim intimation and claim reference number | You and your insurer |
| Estimate uploaded to the insurer's portal | Us |
| Surveyor visit and assessment | Your insurer |
| Insurer approval | Your insurer |
| Supplementary approval if more damage is found | Your insurer |
| Repair | Us |
| Re-inspection before payment release | Your insurer |
Why we do not start before the survey
Starting work before survey and approval destroys the evidence of the loss and gives the insurer grounds to reduce or reject the claim. The wait protects your money, not our schedule.
What cashless does and does not mean
Cashless means your insurer settles their assessed amount directly with us — it does not mean free. Three things come out of your side: your policy excess, depreciation on certain replaced parts, and anything your policy does not cover, such as consumables. We go through your own policy schedule with you at intake, so you know the figure before the counter, not at it.
Replaced parts on an insurance job are held until the surveyor has released them. If more damage is found on dismantling, a supplementary estimate, a re-survey and supplementary approval are needed from the insurer before that additional work goes ahead.