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Chola MS Comprehensive Car Insurance
A comprehensive car insurance policy gives full protection to your car. It covers damage to your own car and damage your car causes to others. Cholamandalam’s comprehensive car insurance is called the Private Car Package Policy, and it protects you from many types of costs that can happen after an accident or any other problem with your car.
Cholamandalam also provides many extra covers, called add-ons, to give your car even better protection. There are 25 add-ons available with their comprehensive car insurance policy.
Benefits of Cholamandalam Comprehensive Car Insurance
- 01
It covers all third-party damages and injuries.
- 02
This policy covers damage to your own car.
- 03
You can also choose a “Fixed Daily Allowance” if your car is in the garage for repairs.
- 04
Add-on cover for lost key, RC book, or driving licence.
- 05
It also gives you free towing service up to Rs. 1,500.
- 06
You can get 24/7 roadside assistance with Chola MS.
- 07
Many add-on covers are offered for extra protection.
Motor Insurance Plans By Cholamandalam
What is Covered and Not Covered in Cholamandalam Comprehensive Car Insurance?
What it Covers
Car Theft
If your car gets stolen, the insurance company will pay you the car’s current market value (IDV).
Fire Damage
If your car catches fire and gets damaged, the insurance will pay for repair or replacement.
Natural Disasters
Damage caused by floods, earthquakes, cyclones, or landslides is covered.
Accidents
If your car is damaged in an accident, the insurance will pay for repairs.
Third-Party Losses
If your car harms another person, their property, or causes injury/death, the insurance covers it.
Man-made Issues
Damage due to riots, strikes, or terrorist activities is covered.
Vandalism
If someone intentionally damages your car, the insurance will pay for the repairs.
In-Transit Damage
Covers your car if it gets damaged while being transported by road, train, ship, or air.
Personal Accident Cover
Gives financial help if the car owner or driver gets injured or dies in an accident.
What Does it not Covers
Drunk Driving
No claim is paid if the driver was drunk or under the influence of drugs.
No Licence
If the driver does not have a valid driving licence, the claim will be rejected.
Normal Wear and Tear
Regular aging or daily use of the car is not covered.
Depreciation
The natural decrease in your car’s value over time is not covered.
Breakdown
Electrical or mechanical failures (like engine breakdown) are not covered.
Negligence
If the owner ignores warnings (like driving during heavy floods), the damage will not be covered.
Tyre/Tube Damage
Tyre or tube damage without an accident is not covered.
War or Nuclear Risks
Damage caused by war, war-like situations, or nuclear hazards is not covered.
FAQs
“Comprehensive” means the policy covers both:Damage to your own car, andDamage or injury caused to other people or their property.
It covers damage from accidents, fire, theft, floods, storms, riots, and vandalism. It also includes third-party liability and personal accident cover.
Yes. If your car is stolen, the insurance company will pay you the current market value (IDV) of your car.
Yes. The policy includes third-party coverage, which pays for injuries, death, or property damage caused to others by your car.
Yes. The policy gives personal accident cover for the owner-driver. It provides financial support in case of injury or death due to an accident.