Owning a bike or car in India is exciting, but accidents or repairs can be stressful with bills and paperwork. The IL TakeCare App from ICICI Lombard makes it easier by helping you find ICICI Lombard network garages. Repairs are handled directly with the insurer, saving you time and money.
This guide shows how to use the app, find nearby garages quickly and make the most of cashless claims so you can get back on the road with less hassle.
What are cashless network garages?
Cashless network garages are authorised service centres partnered with insurance companies like ICICI Lombard. These garages allow you to get repairs without paying the full amount upfront, as your insurance company settles eligible expenses directly with the garage under your policy terms.
If you choose a non-network garage, you usually pay first and then claim reimbursement, which can take more time and involve extra paperwork. ICICI Lombard’s network currently includes over 6,100 garages across India, ensuring a service point is usually nearby.
Benefits of using cashless garages for your vehicle repairs
Using the cashless garages of ICICI Lombard makes repairs smoother and faster. You don’t have to pay the full repair cost upfront for covered damages, as the insurance settles eligible expenses directly with the garage. Existing partnerships between the insurer and network garages help speed up the process and provide direct settlements, reducing hassle and paperwork. The authorised garages follow insurer-approved repair standards, ensuring high-quality service for your vehicle.
Overview of the IL TakeCare app
The IL TakeCare app is created to handle numerous insurance-related needs in one place. Here are some of its key features:
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Feature
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Purpose
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Find network hospitals/garages
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Locates nearby authorised hospitals or garages
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Access e-cards and renew policies
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Renew, download and view insurance policies easily.
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Claim filing and self-inspection
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Upload photos/videos for claim intimation using InstaSpect
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24x7 support
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Access help, track claims and manage service requests
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Step-by-step guide to finding cashless network garages in IL TakeCare app
To locate ICICI Lombard’s cashless garages, follow these steps:
- Download and log in to the IL TakeCare App using your registered mobile number or policy details.
- Select Find Network Garage from the home screen or the motor insurance dashboard.
- Enter your city, PIN code or enable GPS to locate nearby garages.
- Browse the results to see each garage’s name, address, distance and contact details.
- Call ahead to confirm the garage is listed and accepts cashless claims under your policy.
- Visit the selected garage with your e-card or policy number and start your claim through the app or garage representative.
- Keep proof or screenshots of your chosen garage for easy follow-up.
How to locate the nearest cashless garage using GPS in the app
The IL TakeCare App has a built-in GPS feature to help you find authorised service centres quickly. Allow the app to access your current location when prompted. Results may appear on a map or as a list sorted by proximity.
You can filter the results by bike or car to ensure compatibility. Always call the garage before visiting to confirm it is still active in ICICI Lombard’s cashless network.
Tips to ensure a hassle-free cashless claim process
To ensure a stress-free repair process, keep your e-card and policy number handy, digital copies are also acceptable. Confirm with the insurer and garage about any deductibles or co-pay before approving repairs. Report accidents immediately via customer care or the app to avoid delays.
Always choose a listed network garage from the app, as using others may cancel cashless benefits. You can also track the progress of repairs or your claim through the app for transparency.
Insurance benefits of using cashless garages
Cashless garages offer significant convenience from an insurance perspective. Pre-approved partnerships between the insurer and garage enable smoother settlements and faster claim resolutions. You don’t have to arrange cash or card payments upfront, reducing financial strain. Repair costs are more transparent, with a lower chance of disputes or inflated bills. Faster claim processing also leads to quicker repairs, helping you get your vehicle back sooner.
Common issues while accessing garage information and how to fix them
Here are some common problems that you might experience while using the app and the ways you can fix them:
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Problems
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Possible Fix
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No garage appears in your location
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You should re-check the PIN code entered or widen the search.
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Garage listed but says it's non-cashless
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Verify the listing status with the insurance firm or try another listed garage.
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Wrong location or GPS error
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Update the app permissions or manually enter your city’s name.
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Garage doesn’t service your vehicle type
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Use filters for Bike or Car to refine the search.
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Why choose ICICI Lombard’s cashless garage network
ICICI Lombard’s cashless garage network is one of the largest in India, with over 6,100 authorised garages. The cashless garages list in the IL TakeCare App combines multiple services, including doorstep inspection, garage location, policy claims and policy renewal. In many areas, you can also request drop-off and pickup services, making the entire repair and claim process more convenient and hassle-free.
Conclusion
The IL TakeCare platform does more than just help you locate cashless garages; as a car insurance app, it gives you control and peace of mind after an accident. By using it, you can reduce delays, avoid upfront payments and ensure repairs meet insurer standards.
Understanding how to navigate the platform, keeping your policy details handy and verifying garages in advance can save time, stress and money. With this tool, getting back on the road safely and quickly becomes easier, making your insurance experience smoother and more reliable.
FAQs
1. Is it possible to use any garage even when it’s not in the network?
Yes. However, you need to pay for the repairs first and then apply for the reimbursement, which typically takes a lot more time and additional paperwork.
2. What if I’m travelling out of state and need a repair?
ICICI Lombard has a wide network of more than 6,100+ cashless garages across the country. You can use the IL TakeCare App to find and contact an authorised garage in your location.
3. Does the cashless network mean all the parts and labour are free?
Not always. The insurance company covers repairs under the policy’s OD (own damage) section, but certain policy limits, deductibles and exclusions might apply. Always confirm the coverage before you proceed with the repairs.
4. Is the IL TakeCare App only for motor insurance?
No. The app supports multiple ICICI Lombard services, such as general insurance, motor and even health. However, the cashless garage network feature is specific to the motor policies for bikes and two-wheelers.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.