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Cholamandalam MS General Insurance, a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company of Japan, offers bike insurance solutions for motorcycles and scooters across India. Cholamandalam bike insurance provides third-party, standalone own-damage, and comprehensive plans along with digital policy services, cashless repairs, and claim support.
Whether you want to buy a new policy or complete your Cholamandalam bike insurance renewal online, the insurer offers multiple coverage options to protect your two-wheeler against accidents, theft, natural disasters, and third-party liabilities. With the right two wheeler insurance plans, policyholders can secure their motorcycles and scooters with essential coverage, convenient claim support, and a range of add-on benefits.
This general insurance company offers a wide range of two-wheeler insurance solutions designed to provide financial protection against accidents, theft, natural calamities, and third-party liabilities.
| Feature | Details |
| Cashless Garage Network | 8,500+ authorised garages |
| Insurance Plans | Third-party, Own Damage, Comprehensive |
| IDV Flexibility | Customisable Insured Declared Value |
| No Claim Bonus | Up to 50% discount on own-damage premium |
| Personal Accident Cover | Up to ₹15 Lakh |
| Add-on Covers | Zero Depreciation, RSA, Engine Protection and more |
| Renewal Facility | Online renewal available |
| Claim Support | Digital claim assistance and Live Video Streaming support |
| Policy Servicing | Online policy download and servicing |
This bike insurance company gives policyholders access to both financial protection and digital insurance services. Some of the key advantages include:
The policy covers accidental damages caused due to collisions, overturning, or external impact, helping reduce repair expenses.
If the insured bike is stolen or suffers total loss, the policy compensates the insured based on the applicable IDV.
Comprehensive plans cover losses arising from floods, cyclones, earthquakes, riots, strikes, vandalism, and fire incidents.
Chola MS provides access to thousands of network garages, allowing policyholders to avail cashless repairs without arranging the entire repair cost upfront.
Policyholders who do not make claims during the policy period can earn a No Claim Bonus, which can reduce renewal premiums by up to 50%.
Customers can enhance their Cholamandalam bike insurance policy through add-ons such as zero depreciation, roadside assistance, engine protection, and consumables cover.
From purchasing a new policy to downloading documents and renewing coverage, most policy servicing activities can be completed online.
Understanding what is covered and what is excluded helps avoid claim-related surprises.
Accidental damage to the insured bike.
Theft or total loss of the vehicle.
Fire and explosion damage.
Flood, earthquake, cyclone, storm, and other natural calamities.
Riots, strikes, vandalism, and malicious acts.
Damage during transit by road, rail, inland waterways, or lift.
Third-party injury, death, or property damage.
Personal accident cover for the owner-driver as per policy terms.
Normal wear and tear.
Mechanical or electrical breakdown.
Depreciation expenses unless covered through an add-on.
Riding under the influence of alcohol or drugs.
Driving without a valid licence.
Consequential losses.
Damage arising from racing or speed testing.
War, nuclear risks, and mutiny.
Claims arising outside policy terms and conditions.
Cholamandalam General insurance company offers several add-ons that help extend the protection available under a comprehensive bike insurance policy.
This add-on eliminates depreciation deductions on replaced parts, reducing out-of-pocket expenses during claims.
Roadside assistance offers services such as towing, battery jump-start, flat tyre assistance, minor repairs, fuel delivery, and emergency transportation support.
This add-on covers expenses related to engine oil, nuts, bolts, screws, grease, lubricants, and other consumable items that are generally excluded under standard policies.
In case of total loss or theft, this cover compensates the difference between the insured value and the original invoice value of the bike.
Engine Protection or Hydrostatic Lock Cover helps cover repair expenses caused by water ingress, lubricant leakage, or engine damage.
This add-on allows policyholders to retain their accumulated No Claim Bonus even after making a claim, subject to policy terms.
The insurer may provide a daily allowance during the repair period when the vehicle remains in the garage.
This cover helps restore the sum insured after certain claim situations, depending on the policy terms.
Chola MS also offers additional assistance services that improve convenience during emergencies and breakdown situations.
Buying Cholamandalam bike insurance online through Coverfox takes only a few minutes. Riders can compare available plans, customise coverage, and receive the policy instantly.
Enter your bike registration number on Coverfox. If the registration number is unavailable, select the bike manufacturer, model, fuel type, and registration year.
Select the suitable Chola MS bike insurance plan:
Third-party bike insurance
Standalone own-damage insurance
Comprehensive bike insurance
Enhance your coverage by choosing suitable add-ons such as:
Zero Depreciation Cover
Roadside Assistance
Engine Protection
Consumables Cover
NCB Protection
Adjust the Insured Declared Value (IDV) based on your requirements and review the premium amount before proceeding.
Complete the payment online through secure payment methods including UPI, cards, net banking, or wallets.
The Chola MS bike insurance policy is issued digitally and shared through email immediately after successful payment.
Vehicle registration certificate (RC)
Previous insurance policy details (for renewals)
Vehicle registration number
Owner details
KYC documents, if required
Renewing your Cholamandalam bike insurance before expiry helps maintain continuous coverage and preserves accumulated No Claim Bonus benefits. Policyholders can complete their Cholamandalam bike insurance renewal online through Coverfox in a few simple steps.
Provide the vehicle registration number and previous insurer details.
Check your current coverage, IDV, add-ons, and No Claim Bonus eligibility.
Add or remove covers depending on your requirements.
Review the premium and select the most suitable Chola MS two wheeler insurance plan.
Pay securely through multiple payment options.
The renewed policy document is issued digitally and sent to your registered email address.
Previous insurance policy
Vehicle registration certificate
Existing policy number
Vehicle details
KYC details, if applicable
Note: If the policy expires beyond the applicable grace period, the insurer may request vehicle inspection before issuing the renewed policy.
One of the major advantages of Chola MS bike insurance is access to a wide cashless garage network across India. The insurer currently offers more than 8,500 authorised cashless garages for two-wheeler repairs.
Inform the insurer about the accident or damage.
Take the vehicle to an authorised network garage.
The insurer assesses the damage.
Approved repair costs are settled directly with the garage.
The policyholder pays only applicable deductibles or non-covered expenses.
Motor Insurance Helpline: 1800 208 5544
Customer Support for Health and Other Products: 1800 208 9100
Policy Purchase Assistance: 022 6986 9000
WhatsApp Support: 7305234433
Disclaimer: *Discount up to 85% is calculated by comparing different insurers and may vary depending on the insurer, vehicle details, location, and policy terms.
Yes, Cholamandalam two wheeler insurance is available for both motorcycles and scooters. The insurer offers insurance coverage for various two-wheeler models through third-party, standalone own-damage, and comprehensive insurance plans, allowing riders to choose coverage according to their requirements.
Chola MS offers three types of bike insurance plans: third-party liability insurance, standalone own-damage insurance, and comprehensive bike insurance. While third-party insurance provides mandatory liability coverage, comprehensive plans offer protection against both own damages and third-party liabilities.
Yes, Chola MS offers cashless repair facilities through its authorised garage network. Policyholders can take their damaged bike to a network garage, where the insurer directly settles the approved repair expenses, reducing out-of-pocket costs during claims.
Chola MS provides access to over 8,500 cashless garages across India for two-wheeler repairs and servicing. This extensive network helps policyholders receive timely repair services and ensures greater convenience during the claim process.
Policyholders can earn a No Claim Bonus (NCB) of up to 50% on the own-damage premium for consecutive claim-free years. The accumulated NCB can also be transferred when switching insurers or purchasing another vehicle, subject to applicable guidelines.
Chola MS offers several add-on covers, including Zero Depreciation Cover, Roadside Assistance Cover, Consumables Cover, Engine Protection Cover, Return to Invoice Cover, NCB Protection Cover, and Daily Cash Allowance Cover. These add-ons help policyholders enhance their coverage based on their riding needs.
Yes, Roadside Assistance is available as an optional add-on cover under Chola MS bike insurance. The cover may provide services such as towing assistance, battery jump-start, flat tyre assistance, minor repairs, fuel delivery, and emergency transportation support.
The Insured Declared Value (IDV) is calculated based on the bike's age, make, model, registration location, and depreciation. IDV represents the current market value of the insured vehicle and determines the compensation amount in case of theft or total loss.
Yes, comprehensive Cholamandalam bike insurance policies provide coverage against theft of the insured vehicle. In case of theft, the insurer compensates the policyholder based on the applicable IDV after the required documents and claim procedures are completed.
Yes, comprehensive bike insurance plans cover damages caused by natural calamities such as floods, earthquakes, cyclones, storms, landslides, and other natural disasters. Such coverage helps policyholders manage repair expenses arising from unforeseen events.
Several factors influence the premium amount, including the bike's make and model, engine capacity, age of the vehicle, registration location, selected IDV, add-on covers, No Claim Bonus, and previous claim history. The type of policy chosen also affects the premium.
Yes, the policy can be transferred to the new owner when the insured vehicle is sold. The transfer process requires submission of relevant documents and completion of the insurer's transfer formalities within the prescribed timeline.
The claim settlement ratio indicates the percentage of claims settled by the insurer during a financial year. Customers can refer to the latest IRDAI Annual Report to check the most recent claim settlement ratio of Cholamandalam MS General Insurance.
