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Cholalamandalam MS Car Insurance Plans

Buying a car is the ultimate gift you can give yourself and your family. It not only makes your status rise but provides security while you travel. Purchasing your dream car is not the end of the deal. One must protect the valuable asset from contingencies both physical and financial which is a heavy burden when unprepared.

Car insurance policy is mandatory by law to protect your vehicle and you from unpleasant circumstances that may drain your savings.

Key Features and Advantages of Cholamandalam Car Insurance

Cholamandalam Insurance is one of the rapidly-growing car insurance provider offering simple and innovative solutions for all your insurance needs. Here are the many benefits you receive when you choose Cholamandalam car Insurance:

  • Comprehensive car insurance cover with Own Damage and cover for third-party liabilities
  • Personal accident insurance cover for the owner, driver, and passengers
  • Third-party cover includes both personal and property liabilities to a third party
  • Chola car Insurance covers all damages or loss incurred due to natural and human-made perils and financial costs in the event of an accident by external means
  • Special discount under the No Claim Bonus policy on Own Damage Premium
  • Add-on personal accident cover for up to Rs. 2 Lakhs for co-passengers
  • 3750 Chola MS network garages across the country offer cashless claims
  • Hassle-free and seamless buying and claim process with 24X7 customer-friendly service
  • Online renewal for your car insurance in quick and easy steps that is time-saving

What is Covered under Cholamandalam Car Insurance

Chola MS car insurance presents you with comprehensive policy plans and a whole range of benefits that are well thought and designed to protect you and your vehicle for unforeseen financial burdens.

  • Third-party Insurance: This benefit covers all financial liabilities when a third-party person is injured, or there is a loss of life due to an involvement of your insured vehicle. This policy also covers for loss or damage to third-party property.
  • Own Damage Insurance: Is an optional cover where compensation is extended to the insured in the event of bodily injuries/damage/loss to the vehicle.
  • Cover for Natural and Man-Made Calamities: Floods, earthquakes, storms, fire, self-ignition, theft, malicious acts, etc.

Car Insurance Policy Plans under Cholamandalam Car Insurance

Vehicle insurance is a must when you buy a car for personal or commercial use. The main benefit of taking a car insurance policy is that you will always be ready to bear financial contingencies at any time.

Car Insurance Plan – Chola Protect

Chola Protect is a 360° car insurance policy designed to give a complete cover for your vehicle. This is a comprehensive plan that ensures that your vehicle is protected against any unforeseen mishaps. It covers all the legal and financial costs incurred. It offers you instant cashless facility and 24X7 roadside assistance.

Premium: Calculated based on the Insured's Declared Value of the vehicle during application.

Coverage: Vehicle’s Own Damage Cover includes damage or loss due to the following events:

Vehicle’s Own Damage Cover includes damage or loss due to the following events:

  • Fire due to self-ignition, explosion, or lightning
  • Earthquake, landslide and rockslide, flood, storm, hail storm, typhoon, tempest, cyclone, and hurricane
  • Theft or burglary
  • Riots and strikes
  • Accidents by external means
  • Malicious acts and terrorism
  • Damages or loss during transit by road, rail, air, inland waterway, or elevator
  • Third Party Liabilities include:
  • Unlimited coverage under the Personal Third-Party Cover – court-awarded amount will be compensated
  • Third-Party property liability for private cars is up to Rs. 7.5 Lakhs
  • Personal Accident Cover for the owner and driver:
  • For all named and unnamed co-passengers including parents, spouse, and children
  • Legal liabilities to drivers and employees

Add-ons of Chola MS car insurance:

  • Add-on Covers exclusively for private vehicles that are customizable to your needs
  • 24x7 Chola Roadside Assistance including breakdown assistance, fuel and battery top-up
  • Cholamandalam customer CARE 24x7 toll-free telephonic assistance for all queries
  • Avail discounts like No Claim Bonus discount, Anti-Theft Gadgets, and discount for Automobile Association Membership
  • Daily Allowance of Rs. 500 to Rs. 1000 in individual cases for travel costs when vehicle is in repair
  • Reinstatement Value to ensure maximum claim based on vehicle invoice value (not including road tax and registration charges) without depreciation value on all repaired parts
  • Depreciation waiver for replaced car parts after considering the age of the vehicle
  • Maximum reimbursement of Rs. 10,000 for the loss of belongings that were in the car during the mishap
  • Maximum reimbursement of Rs. 1000 for expenses incurred in replacing ignition key
  • Compensation of Rs. 500 for procuring duplicate license when the car is lost
  • Cover for registration charges and road tax

Documents Needed when Applying for Chola MS Commercial Car Insurance

  • Personal ID proof, employment proof with pan card, etc
  • Vehicle registration with year of manufacture and Chassis details

Commercial Car Insurance

Chola Commercial Vehicle Insurance covers commercial cars against legal and financial liabilities. Commercial Cars like taxis, mini vans, mini trucks that carry goods, etc. are covered under this policy.

Premium: Insured's Declared Value of the vehicle during purchase and the nature of use determine the premium.

Coverage under the Chola Commercial Car Insurance

  • Third-Party Liability plan covers the total amount determined by the court in the event of injury or death to a third party.
  • Own Damage Covers loss or damage due to an accident by external means; fire, earthquake, explosion, self-ignition, lightning, flood, storm, typhoon, tempest, cyclone, hurricane, and hailstorm; theft, burglary, riot, strikes, terrorist activities; damage during transportation.

Add-ons Covers in Chola Commercial Car Insurance

  • Maximum cover of Rs. 2 Lakhs to the owner/driver
  • All legal liabilities to the paid driver and co-passenger
  • Double-benefit policy that offers both Own Damage and Third-Party Cover
  • Special discount on premium under No Claim Bonus, Automobile Association Membership Discount, and Anti-Theft Devices as accepted by Automobile Research Association of India

Documents Needed when Applying for Chola MS Commercial Car Insurance

  • Vehicle registration with year of manufacture and Chassis details
  • Personal identity proof, employment proof with pan card, etc
  • Fitness certificate issued by a local authority

Chola MS Car Insurance Renewal

Chola MS ‘Renewal on the Go’ feature lets you renew easily through Integrated Voice Response System through their helpline numbers.
Renew car insurance online policy 45 days before the expiry date to prevent late charges. Advantages of ‘Renewal on the Go’

  • Renew your policy from anywhere from your landline or mobile phone
  • Details of the payment and policy schedule will be couriered to the address of communication or by email