If you have car insurance from RSA (now known as Liva insurance), you need to know about their garage list. Why? Because if you have an accident, this list shows you where you can get your car fixed without paying the full repair bill upfront. That’s a big deal. It can save you a lot of money and time at a stressful time.
In this article, we’ll break down everything simply: what a cashless garage is, why it helps you, and where to find them. We’ll give you a clear RSA car insurance garage list to refer to, explain the claim process step-by-step, and answer your most common questions. Let’s get started.
What is RSA Cashless Garage?
Let’s clear this up first. A “cashless garage” doesn’t mean everything is free. It means you don’t have to pay the repair shop directly for the work that your comprehensive car insurance in the UAE covers.
Here’s how it works for RSA/Liva: If your car is damaged in an accident, you take it to a garage that has an agreement with the insurance company.
The garage looks at the damage and tells RSA/Liva how much it will cost to fix. RSA/Liva checks the estimate and says “yes” or “no.”
Once they say yes, the garage does the work. When you pick up your car, you only pay your policy’s excess (that’s the fixed amount you agreed to pay in any claim). The garage sends the big bill for the repairs straight to the insurance company.
The key thing to remember is that this only works at specific garages that are partners with RSA/Liva. You can’t just go to any workshop and get this service. That’s why knowing the RSA cashless garages list is your first and most important step after an accident.
What Are the Benefits of Liva Cashless Garages?
Using a garage from the RSA cashless car insurance garage list makes your claim process easier. Here’s why:
- You Don’t Pay Upfront: The biggest benefit is not having to come up with a large amount of cash or put a huge charge on your credit card. You only pay your small excess fee when you collect the car. This is a major financial relief.
- Faster, Smoother Approvals: Garages on the RSA insurance garage list know exactly what RSA/Liva needs. They know how to do the estimates, what paperwork to file, and how to work with the insurance surveyors. Because they speak the same language, there’s less arguing and fewer delays. Your claim gets approved faster, and your car gets fixed sooner.
- Less Work for You: When the garage and the insurer work together directly, you don’t have to be the middleman. You don’t have to follow up on payments or explain things back and forth. It’s a much simpler process for you.
RSA Garages List in the UAE
Below are garages across the UAE that have been part of the RSA/Liva network. Use this as your starting point.
Very Important note: Garage partnerships can change. Always call the garage first to double-check they still have a cashless agreement with RSA/Liva for your type of car.
| Garage Name | City | Address | Phone Number |
| Aarya Auto Repairs L.L.C – Al Quoz | Dubai | Dubai 10 Street, 27/2, Al Quoz Industrial Area 4 | +971 4 341 7728 |
| Advanced Auto Repairing – Al Quoz | Dubai | 3 Street 17 – Al Quoz – Al Quoz Industrial Area 4 | +971 4 220 0900 |
| Bin Sandal Mechanical Station | Dubai | 8JRV+Q8W – Al Sajaah – Emirates Industrial City | +971 6 533 4247 |
| Gargash Auto Body – Al Quoz | Dubai | Al Quoz – Al Quoz Industrial Area 4 | +971 4 258 4460 |
| Gargash Auto Body – Al Qusais | Dubai | 208 Amman St – Al Qusais Industrial Area 4 | +971 800 4272886 |
| K.M. Garage – Al Quoz | Dubai | Al Quoz – Al Quoz Industrial Area 4 | +971 4 347 6658 |
| K.M. Garage – Um Ramool | Dubai | Al-Rashidiya, Umm Ramool, 17th Street | +971 4 285 5099 |
| PAB Auto Maintenance – DIP | Dubai | 41st Street, Dubai Investment Park – 1 | +971 4 880 8180 |
| PAL Garage – Al Quoz | Dubai | 20B St – Al Quoz – Al Quoz Industrial Area 4 | +971 4 880 8180 |
| Aarya Auto Repairs L.L.C – Mussafah | Abu Dhabi | Musaffah, M-40 | +971 2 551 2173 |
| Al Mazroui & Clevy Auto Services L.L.C | Abu Dhabi | Plot No- 71 – Musaffah – M-13 | +971 2 550 1080 |
| Rafi Auto Workshop – Musaffah | Abu Dhabi | Musaffah – M-33 | +971 2 551 1501 |
| World Link Auto- KPG | Abu Dhabi | Next to Nissan Al Masaood Showroom, Al Ain Sanaiya | +971 52 892 9000 |
| Dhanya Auto Care Center LLC | Sharjah | First Industrial St BMW Road, Near Maza Signal | +971 6 518 2777 |
| Smart Auto Care LLC | Sharjah | Industrial Area 6 | +971 6 508 5333 |
| Bushra Garage | Fujairah | Al Hail | +971 9 222 6629 |
| Lamsi Garage | Ras Al Khaimah | Al Uraibi | +971 7 221 2678 |
How to Make a RSA Car Insurance Claim in a Cashless Garage
Follow these steps to make a claim with RSA/Liva using a cashless garage. Doing it in this order makes everything go smoother and prevents you from a rejected car insurance claim.
1. Get a Police Report: This is the law. After any accident, you must call the police (999) to come and make an official report. Do not drive away without it. This paper is the most important document for your claim.
2. Call RSA/Liva immediately: Contact the insurance company to tell them about the accident. You can call 800 774 or email [email protected]. This opens your claim file.
3. Send Your Documents: You need three things: the police report, a copy of your driver’s license (front and back), and a copy of your car registration card (mulkiya, front and back). You can email these, upload them on the RSA website (www.livainsurance.ae), or take them to an office.
4. Go to a Network Garage: RSA/Liva will tell you to take your car to one of their approved garages for an inspection. You can suggest one from the RSA garages list near you. A surveyor from the insurance company will check the car there.
5. Wait for Approval: The garage you chose from the RSA car insurance garage list sends the repair estimate to RSA/Liva. The insurance company reviews it and gives the final okay to start the work.
6. Pick Up Your Car: When the garage calls to say your car is ready, go and check the repairs. If you’re happy, pay your excess (deductible) to the garage. You can then drive away. The garage will send the final bill to RSA/Liva.
Cashless vs Non-Cashless Repairs at RSA Garages
Choosing a garage from the RSA cashless garages list is very different from choosing one that’s not on the list. Here’s a simple comparison.
| Cashless Repair (Using the List) | Non-Cashless Repair (Your Own Garage) | |
| Who Pays First? | The insurance company pays the garage directly. | You pay the garage first with your own money. |
| Your Money | You only pay your excess. No large upfront payment. | You pay the full repair bill. You wait to get money back. |
| Speed | Usually faster. The garage and insurer work together. | Usually slower. More paperwork and checks are needed. |
| Your Job | Simple. You provide documents and pick up the car. | Harder. You must manage everything and ask for your money back. |
| Risk | Low. The insurer agrees to the cost with their partner garage. | Higher. The insurer may not pay back the full amount you spent. |
Important Things to Check Before Choosing an RSA Insurance Garage
Just because a garage is on the RSA garages list doesn’t mean it’s perfect for you. Do these two quick checks.
Call to Confirm
This is the most important step. Use the phone number from the RSA cashless car insurance garage list and call the garage. Ask them: “Do you currently do cashless repairs for RSA/Liva Insurance?” Get a clear “yes” before you go.
Check if They Know Your Car
Some garages are great with common cars but may not have the right tools or parts for European luxury cars or large SUVs. When you call, ask them: “Do you often work on [Your Car Make and Model]?” or not.
Frequently Answered Questions
1. Are all garages in the RSA Insurance garage list cashless?
Most of them are, the garages on the official RSA insurance garage list are there because they have a cashless agreement with RSA/Liva. But you still must get your specific claim approved by the insurance company first.
2. How can I check if a garage is still part of RSA’s network?
Call RSA/Liva directly at 800 774. You can also call the garage yourself and ask if their partnership is still active.
3. Can I use a non-network garage with RSA car insurance?
Can I use a non-Yes, you can choose your own garage. But you will have to pay them first, and then ask RSA/Liva to pay you back. They will only pay what they think is a reasonable cost, which might be less than your bill.
garage with RSA car insurance?
4.What expenses are not covered at RSA cashless garages?
The cashless service covers the repairs from the accident that RSA/Liva approves. It does not cover your policy excess (the deductible you pay). It also doesn’t cover any extra work you want done that wasn’t caused by the accident.
5. Do I need prior approval to use a cashless garage for repairs?
Yes, absolutely. You must report the accident to RSA/Liva and get their surveyor to approve the repair estimate before any work starts. If you start repairs without approval, you might lose the cashless benefit.
6. What is a cashless garage in insurance?
It’s a garage that has a deal with your insurance company. You can get your car fixed there, and the garage bills the insurer directly. You don’t have to pay the repair costs yourself and wait for a refund.
