Cashless Insurance - How does it work?

[kuttapan]

I read that as C.A.S.H.L.E.S.S - but apparently my dealer(Pratham Motors) thinks otherwise.

I am claiming cashless insurance from Royal Sundaram, but my dealer has asked me to pay up 40% of the costs at the time of taking delivery of the vehicle after repairs. They say that the amount will be refunded to me once the claim is settled by the Insurer. Why call it cashless insurance, then?

Maruti Insurance site says I have to only the excess and the depreciation cost as applicable - So the dealer is trying to take me for a ride ?
[https://www.marutiinsurance.com/why-...surance.aspx#]

Of course, I don't intend to pay up. Let's see if they play ball.

[abhibh]

AFAIK cashless in cashless insurance you dont have to pay the whole amount to the dealer yerself first and then get the from insurance afterwards. All you have pay is just the depreciation amount + amount of parts on which there is no insurance.

You do not have to pay the repair charges to the extent the same is payable by the Insurance Company. Just pay for the compulsory excess and applicable depreciation (both are as per motor tariff) and walk away with the repaired vehicle - Rest is settled directly between the dealer and the Insurance Company.

[kuttapan]

Yes, thats what the fine print says. But the dealer is trying to cover himself and wants some money while the insurance red tape works its way out.

[GTO]

Contact the insurance company and lodge a complaint. If your insurer has a tie-up with the dealership, then you only have to pay the differential amount.

[benbsb29]

Pratham is at their games?
Kuttapan, you dont need to pay anything beyond the excess and applicable depreciation which since your car is in its first year would be about 10% on metal.

[finneyp]

Yes, If Royal Sundaram has Cashless Claims agremeent with Pratham, you need NOT PAY anything apart from the mandatory amount (Rs.500 in my case) and 50% of any Plastic parts.

[benbsb29]

I would suggest we have a poll here to find out which is the better insurance agent.

[kuttapan]

I have nothing against the agent here, the survey was in double quick time and there was no hassles.