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Cholamandalam MS Car Insurance: Coverage, Benefits & Review

Chola MS General Insurance Company Limited (IRDA Reg. No. 123) is a strong partnership between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan.

Chola MS offers an extensive array of products that include Engineering, Health, Accident, Marine, Motor, Liability, Travel, Property as well as Rural insurance for individuals and corporates. CHOLA MS comprehensive car insurance policy offers varied benefits ensuring a sense of security with complete peace of mind.

Types of Coverage

Cholamandalam MS Insurance cover protects your vehicle against:

  • Third Party Personal Liability with unlimited coverage. The amount settled by the court as your liability to a third party due to accidental death or injuries caused by your vehicle will be compensated for under the vehicle insurance policy.

  • Third Party Property Damage with a maximum cover of Rs. 7,50,000, in case of private cars.

  • Own Damage Cover protects against the loss due to:

    • Fire, lightning, self-ignition or explosion.
    • Burglary, theft or housebreaking.
    • Strike or riot.
    • Earthquake (shock damage and fire).
    • Flood, inundation, storm, tempest, typhoon, hurricane, Cyclone and Hailstorm.
    • Accidental external means.
    • Malicious acts.
    • Terrorist activity.
    • During transit by rail, road, inland waterway, air or lift.
    • Landslide and rockslide.
    • Personal Accident Cover with compensation for owner cum driver.

Add-on Features

To enhance the coverage offered by the basic car insurance policy, Chola MS offers add-on features at additional premium. Below are listed few:

  • Fixed Daily Allowance of Rs. 500 or Rs. 1,000 per day to meet the cost of hiring a car (for a maximum of 5 days per policy period) if the insured vehicle was involved in an accident and is under repair at a garage.

  • Waiver of reduction in depreciation for partial losses, such as replaced vehicle parts, depending on the age of the vehicle.

  • Cover for personal belongings and clothing destroyed or damaged in a fire or an accident (the items must have been inside the locked car during the mishap). The maximum reimbursement during a policy period is Rs. 10,000.

  • Reimbursement of expenses towards obtaining a duplicate ignition key up to a maximum of Rs. 1,000, following the loss of the original ignition key.

Customized Coverage: Chola Protect

One-of-its kind Car insurance plan that is aimed to provide comprehensive cover for your car so that you securely steer ahead. The plan offers:

  • Total financial coverage e.g., Reinstatement value / Nil depreciation

  • Car emergency assistance e.g., Fuel delivery / battery jump start

  • Car breakdown assistance e.g., Flat tyre / on-site repair e.g., fuel delivery / battery top up

  • Post-accident assistance e.g., Daily allowance / Towing service

Discounts Offered

Chola MS car insurance offers specific discounts that can significantly trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on the number of consecutive claim free years

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Significant Exclusions

While Chola MS Car insurance policy is designed to provide adequate coverage against any ill-fated eventualities, there are certain scenarios that are excluded from the coverage. Below are listed few:

  • Accidental damage or loss due to willful negligence.

  • Accidental loss or damage if you are driving under the influence of intoxicating liquor or drug.

  • Loss or liability while the vehicle is being used outside the scope of limitations of use and/or being driven by a person not duly licensed.

  • Consequential loss, depreciation, wear & tear, mechanical & electrical breakdown / failure of breakages.

  • Loss due to nuclear weapons or radioactivity.

  • Loss due to war and related activities.

How to Claim?

  • Intimate the claim on Chola MS’s Helpline 1800-200-5544

  • For cashless service, you need to get your car repaired at a garage within the network of Chola MS.

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company.

Coverfox Review

Murugappa group is known for providing quality service with reasonable pricing. Chola MS car insurance is no exception. Clubbed with finest benefits and supplemented with appropriate add-on features, Cholamandalam MS Car insurance plan is one to beat. Not to mention the 24/7 help and assistance in case of any accident or sudden breakdown and hassle free claims processing. With easy and convenient option to buy the policy online, Chola MS should definitely be on your Top 5 list.

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Understand all the benefits of Cholamandalam MS car insurance plans

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