Understanding all about the network garages in bike insurance


02 Aug 2023

The Benefits of Opting for a Network Garage in Bike Insurance

Cashless or network garage is gaining immense popularity today and is one of the most preferred ways to get your bike insurance claim settled. So, if you are wondering what a network garage is, this information piece is for you; let's understand.

What is a network garage in bike insurance?

Network garage refers to a garage that has a tie-up with the bike insurance company. This means if your bike is damaged, you can take it to the network garages and get it repaired. The repair cost will be settled between the garage and the insurance company. You can only opt for this if you have cashless two-wheeler insurance. Network garages are also known as cashless garages.

What is cashless two-wheeler insurance?

When you bring a bike insurance claim and have your motorbike or scooter serviced at one of these shops, the shop sends the repair cost straight to the insurer. The insurance company and the network garage agree to pay the claim. The necessary deductible could be your responsibility. Sometimes, the insurance company sends a surveyor to check the extent of the damage.

Benefits of a network garage

The huge benefit of a cashless network garage is that it settles the claim hassle-free and conveniently. It is more efficient than a reimbursement claim. However, below are some of the benefits that you get if you opt for a cashless garage -

Quick claim settlement
If you opt for reimbursement claim settlement, the process will take around 7-10 working days to ensure the approvals and then transfer the amount. However, in the case of cashless car insurance, the insurer directly settles the claim with the network once your repair service is done.

After the service of your bike, the network garage will send the bill to the insurance company. Also, a surveyor is involved from the beginning, making the settlement process easier and more transparent.

Quality service
Insurance companies make sure that you receive quality service at the garage. This is for customer satisfaction, so the insurance company only chooses the best garages available in the location, ensuring top-notch service for you.


Choosing the best bike insurance with a substantial network of associated garages is therefore suggested. There is a strong chance that you can locate a network garage nearby and get a cashless claim if your automobile breaks down anyplace. You can find network garages online on official website.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.