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Disclaimer: Actual Premium might vary basis your location, age and number of members

Overview

  • What type of car insurance policies are offered by Cholamandalam?

    Cholamandalam offers both the third party liability only as well as comprehensive car insurance policy. In addition to that, it also provides a range of add-on covers for enhanced protection of your car.

  • What is Fixed Daily Allowance?

    Fixed Daily Allowance is an add-on. If you opt for it then the insurer offers you get a daily allowance of Rs. 500 or Rs. 1,000 per day from the insurer to meet the cost of hiring a car when your car is out for repairs.

  • Are the roadside assistance services available 24*7?

    Yes, Cholamandalam offers roadside assistance services including fuel delivery and battery top-up along with car breakdown assistance including fixing a flat tyre or on-site repair round the clock.

  • How much premium would I have to pay for a comprehensive car insurance policy purchased from Cholamandalam?

    The premium of your car insurance policy depends on a number of factors such as: Insured Declared Value (IDV) of Your Vehicle Age of The Insured Car Voluntary and Involuntary Deductibles Add-on Covers Purchased

Comprehensive

  • What does the roadside assistance cover offers?

    The roadside assistance is a 24*7 service offered to the policyholders by Cholamandalam in event of breakdown of the car. The service includes fuel delivery, battery top-up, car breakdown assistance such as fixing a flat tyre and on-site repair as well. To note, that it is offered as an add-on cover and hence, it is chargeable.

  • How much daily allowance would I get if my car is out for repairs?

    Cholamandalam will provide your Rs. 500 or Rs. 1,000 (depending upon the additional premium) to meet commute expenses in case your car is out for repairs.

  • Is there any personal accident cover for co-passengers?

    Yes, there is an optional personal accident cover of Rs 2 lakh for co-passengers offered by Cholamandalam.

  • What is NCB?

    No Claim Bonus (NCB) is a discount offered on the premiums for claim-free policy tenures. The discount starts at 20% and can go up to 50% for a maximum of 5 claim-free years.

Third Party

  • Does Cholamandalam offer long-term third party car insurance policy?

    Yes, Cholamandalam MS General Insurance does offer long-term third liability with validity tenures of more than 1 year in addition to the 1-year third party cover. New car owners are mandatorily required to purchase a car insurance policy valid for 3 years.

  • How much compensation is provided for third party liabilities?

    The company provides limited/unlimited (depending upon the type of injury) liability cover for injury/death of a third party. In such cases, the amount of compensation is decided by a court of law.

  • Does the third party liability policy cover contractual liabilities?

    No, contractual liabilities (liabilities assumed on behalf of another party as a result of a contractual agreement) are not covered under a third party car insurance policy.

  • What happens in case someone commits suicide in front of my car?

    No compensation is offered to the third party in case of suicide or injuries caused due to an attempt of suicide.

Claim

  • What should I do after an accident?

    Immediately seek medical aid after an accident if it has resulted in a serious injury/death of any person. Post seeking medical help, inform Cholamandalam about the accident by calling at 1800-208-5544 and initiate the claim process.

  • Can I withdraw a registered claim?

    Yes, you can withdraw a registered claim. For this, visit Cholamandalam’s general insurance website, click on the ‘Claims’ tab and select the ‘Motor Claims’ option. Login with your credentials. Click on the ‘Withdraw My Claim’ tab and enter the policy number/claim number/vehicle number/contract number.

  • From where can I download a copy of the claim documents?

    You can download a copy of the filed claim documents such as the claim form and liability computation, etc. by selecting selecting the ‘Motor Claims’ option and clicking on the ‘Download Claim Documents’ option on the Cholamandalam’s general insurance website.

  • Is there any difference in the claim amount of cashless and reimbursement settlement method?

    No, there is no difference in the claim amount. The difference is only in the reimbursement method.

Renewal

  • How much NCB discount will be transferred if I change my existing insurer to Cholamandalam?

    You will enjoy the entire NCB discount of your existing insurer when you purchase a Cholamandalam Car Insurance policy.

  • What is Sunset Clause?

    Sunset Clause is a clause which enables the policyholder to file claims and also allows the insurer to settle the raised claims even after the expiration of the motor insurance policy. The Sunset Clause is valid only for a limited period. For example, if the clause is of 2 years, the claims can be made/settled for 2 more years after expiry of the policy. To get the ‘Sunset Clause’ in your policy document you need to pay an additional premium.

  • What if I miss the renewal deadline?

    It is advisable to get your policy renewed before or by its expiry. However, if you have missed the expiry deadline, you can still get it renewed within a 90 days window post the expiry after a proper inspection of your car. Please note that a car insurance policy cannot be renewed after the 90-days window, only a new insurance policy can be issued for your car.

Zero Depreciation

  • How much the Cholamandalam zero depreciation add-on costs?

    The cost of zero depreciation add-on cover depends on the sum insured and the age of the car. Also, irrespective of the cost, the company is liable to pay only a maximum of Rs 20,000 per part for cars not older than 5 years.

  • Is the zero depreciation add-on cover applicable in case of total loss/theft of the insured vehicle?

    No, the zero depreciation add-on cover is not applicable in case of total loss/theft of the insured vehicle. You must have the Invoice Cover add-on to get full showroom price of the vehicle in case of total loss or theft.

  • Are engine parts covered the zero depreciation add-on?

    No, the zero depreciation add-on cover does not offer protection for engine damage. To safeguard your car’s engine against losses/damages, you need to opt for the Engine Cover add-on.

Policy Download

  • How do I download my Cholamandalam MS car insurance policy from InsuranceDekho?

    Visit the InsuranceDekho website, log into your account, find your Cholamandalam MS car insurance policy under your policies list, and select the option to download the policy document, usually available in a PDF format.

  • Is it necessary to have an account on InsuranceDekho to download my policy?

    Yes, generally, you need to have an account on InsuranceDekho to access and download your policy documents.

  • Can I download my Cholamandalam MS policy immediately after purchasing it online?

    Yes, once your policy purchase is processed and active, you should be able to download it immediately from InsuranceDekho.

  • How can I check the status of my Cholamandalam MS car insurance policy?

    You can check the status by logging into your account on the Cholamandalam MS official website or through your account on InsuranceDekho if the policy was purchased there.

  • What information do I need to check my policy status online?

    Typically, you would need your policy number or other identification details like your vehicle registration number to check the policy status.

  • Is the online copy of my Cholamandalam MS car insurance policy valid for legal and official purposes?

    Yes, the online copy is legally valid and can be used for all official purposes.

  • What should I do if I am unable to download my policy from InsuranceDekho?

    If you face difficulties, you can contact InsuranceDekho’s customer support for assistance.

  • Can I download a duplicate policy if I lose the original one?

    Yes, you can download a duplicate copy of your policy from InsuranceDekho at any time.

  • Are there any charges for downloading my policy document online?

    No, there are no charges for downloading your policy document online from InsuranceDekho.

  • How often should I check my car insurance policy status?

    It's good practice to check your policy status regularly, especially as the renewal date approaches, to ensure continuous coverage.

Explore Cholamandalam Car Insurance

Must Read Articles before buying Cholamandalam Car Insurance

Cholamandalam Car Insurance User Reviews

4.9
Rating based on
167 User reviews
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What users are saying
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  • Sensible Choice for Legal Prot...

    Third-party car insurance from InsuranceDekho is a sensible choice for legal protection. The Chola MS Car Insurance Policy ensures that I comply with the law while keeping my expenses in check for my Skoda car.

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    By Samisha Boudh
    On: November 8, 2023
  • Economical Premiums

    I found that the premiums for the zero-depreciation Chola MS Car Insurance Policy from InsuranceDekho are economical, making it a valuable investment for my MG car.

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    By Dheraj Mangla
    On: November 7, 2023
  • Ease of Use

    The premium calculator from InsuranceDekho is incredibly easy to use. It's designed with the customer in mind, making it accessible to all. With its help, I could purchase the Chola MS Car Insurance Policy for my Renault car.

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    By Neel Pawani
    On: October 18, 2023
  • Comprehensive Protection

    Opting for zero-depreciation claim for the Chola MS Car Insurance Policy with InsuranceDekho provides me with comprehensive protection, ensuring that my investment in my Maruti car is safeguarded.

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    By Sakshi Chand
    On: October 16, 2023
  • Responsive Customer Support fo...

    I recently bought the Chola MS Car Insurance Policy for my Maruti car. And I must say that the customer support team at InsuranceDekho is responsive and ready to assist with any issues related to cashless garage repairs.

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    By Kenisha Saraf
    On: October 11, 2023
  • A Trustworthy Partner

    In summary, InsuranceDekho has proven to be a trustworthy partner when it comes to claim the Chola MS Car Insurance Policy for my Honda car. Their efficient and transparent claims process ensures that you're well taken care of during stressful times.

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    N
    By Nikita Sethi
    On: October 3, 2023
  • Customized Premiums

    I appreciated InsuranceDekho's premium calculator for allowing me to customize my coverage for the Chola MS Car Insurance Policy to match my needs and budget for my Mercedes-Benz. It's a flexible tool that caters to individual preferences.

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    V
    By Vikram Thakur
    On: September 27, 2023
  • Peace of Mind with Zero Dep In...

    I opted for a Zero Dep Chola MS Car Insurance Policy through InsuranceDekho, and it's been a game-changer. With this policy, I don't have to worry about the depreciation of car parts during a claim. It's like having a safety net for my Ford car. Highly recommended for car owners who want complete peace of mind.

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    By Priyal Randhawa
    On: September 25, 2023
  • Prompt Settlement at Cashless ...

    I recently had my Audi car repaired at one of InsuranceDekho's cashless garages, and the settlement process of the Chola MS Car Insurance Policy was incredibly prompt. I was back on the road in no time.

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    By Pihu Balani
    On: September 20, 2023
  • Comprehensive Coverage for a W...

    InsuranceDekho's comprehensive coverage protects my Nissan car against a wide range of risks, from accidents to natural disasters. The Chola MS Car Insurance Policy is a reliable safety net.

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    By Mili Dhingra
    On: September 15, 2023
  • Variety of Payment Options

    InsuranceDekho offers a variety of payment options for the renewal of my Chola MS Car Insurance Policy. Whether I prefer online payment, credit card, or other methods, the flexibility is appreciated. With this feature, I am relaxed that my Skoda car is always secured,

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    R
    By Rupal Shah
    On: September 13, 2023
  • Responsive Customer Support

    During my claim for my BMW, InsuranceDekho's customer support was responsive and knowledgeable. They guided me through each step and answered all my questions regarding my the Chola MS Car Insurance Policy.

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    D
    By Dev Sharma
    On: September 11, 2023
  • Value-Added Benefit

    Having access to Cashless Garages is a value-added benefit of my Chola MS Car Insurance Policy for my Ford car with InsuranceDekho. It's a feature that sets them apart and shows their commitment to customer satisfaction.

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    By Sanwar Bahl
    On: September 7, 2023
  • Transparent Claim Settlement

    Zero Depreciation with InsuranceDekho’s Chola MS Car Insurance Policy ensures transparent claim settlement. I know exactly what to expect in terms of payout, without any surprises related to depreciation for my Ford car.

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    A
    By Ananad Chaudhary
    On: September 5, 2023
  • Satisfied and Secure with Comp...

    I am a satisfied and secure customer of InsuranceDekho's Chola MS Car Insurance Policy’s comprehensive benefit. Their coverage options and service have exceeded my expectations for my Chevrolet car.

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    S
    By Sangeetha Paswani
    On: August 28, 2023
  • A Simple and Stress-Free Renew...

    Renewing my car insurance policy with InsuranceDekho was a simple and stress-free experience. I had no issues throughout the entire process of renewing my Chola MS Car Insurance Policy for my BMW.

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    M
    By Manan Khukreja
    On: August 24, 2023
  • Professional and Knowledgeable...

    The claims team at InsuranceDekho was professional and knowledgeable. As my Kia car was secured under the Chola MS Car Insurance Policy, they guided me through the entire process with expertise.

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    A
    By Aarti Sharma
    On: August 22, 2023
  • Value for Money with Comprehen...

    InsuranceDekho's comprehensive coverage offers excellent value for money. The benefits and coverage provided the Chola MS Car Insurance Policy for my Tata car are worth every penny.

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    By Vishali Sehgal
    On: August 16, 2023
  • Efficient Customer Support for...

    InsuranceDekho's customer support team was efficient and helpful during my third-party claim on my Chola MS Car Insurance Policy that I filed for my Skoda car. They guided me through the process and answered my questions.

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    P
    By Poonam Sachdev
    On: August 11, 2023
  • Effortless Policy Quoting

    The premium calculator on InsuranceDekho's website made policy quoting a breeze. Within minutes, I had multiple quotes to choose from. It saved me a lot of time and effort to decide and buy the Chola MS Car Insurance Policy for my Tata Safari.

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    M
    By Maninder Kaur
    On: August 9, 2023
  • Professional and Courteous Cla...

    The claims team at InsuranceDekho was professional and courteous. They handled my claim for my Chola MS Car Insurance Policy that I filed for my Honda car with empathy and made the whole process less stressful.

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    S
    By Sunil Gandhi
    On: August 7, 2023
  • Smooth Policy Renewal

    Renewing my car insurance through Insurance Dekho's premium calculator was a breeze. It reminded me on time and helped me renew my Chola MS Car Insurance Policy for my Land Rover without any complications.

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    H
    By Heena Ahmed
    On: August 1, 2023
  • Seamless Repairs and Cashless ...

    The cashless facility offered by InsuranceDekho’s Chola MS Car Insurance Policy for repairs for my Toyota car was a great help. The process of coordinating with them was very smooth.

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    S
    By Shradha Motwani
    On: July 28, 2023
  • Convenient Policy Customizatio...

    InsuranceDekho's renewal process allowed me to customize my Chola MS Car Insurance Policy to suit my needs perfectly. I could add or remove coverage options for my Honda car effortlessly.

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    By Parul Chaudhary
    On: July 24, 2023
  • Customizable Policy Options at...

    InsuranceDekho offered customizable policy options during the renewal process for the Chola MS Car Insurance Policy. I could tailor my coverage for Ford cars based on my requirements, providing me with peace of mind.

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    By Ruma Dutta
    On: July 20, 2023
  • Prompt Assistance

    When my MG car broke down, InsuranceDekho's cashless garage under the Chola MS Car Insurance Policy provided prompt assistance. They arranged for a towing service and helped me through the entire claim process.

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    By Jeet Kapila
    On: July 18, 2023
  • Quick Response

    When I reached out to InsuranceDekho for my Chola MS Car Insurance Policy renewal for my Skoda car, their team responded promptly. They guided me through the process and answered all my queries efficiently.

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    By Anaya Chhadda
    On: July 14, 2023
  • Competitive Premiums for Own D...

    InsuranceDekho offered competitive premiums for own damage car insurance coverage with the Chola MS Car Insurance Policy. They provided value for money by offering affordable rates without compromising on the level of protection for my Kia vehicle.

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    By Ria Mittal
    On: July 12, 2023
  • Affordable Premiums for Enhanc...

    InsuranceDekho offered affordable premiums for their zero depreciation car insurance. The additional cost was justified for the Chola MS Car Insurance Policy by the enhanced coverage that protected my Porsche from the impact of depreciation on claim settlements.

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    By Jatin Mittal
    On: July 10, 2023
  • Accurate and Convenient Premiu...

    InsuranceDekho's premium calculator for car insurance provided accurate results for my Mercedes-Benz. It made me calculate the premium conveniently and helped me understand the cost implications of different coverage options that came with the Chola MS Car Insurance Policy.

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    By Pawan Chaupal
    On: July 6, 2023
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