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Cholamandalam Third Party Car Insurance

As per the Motor Vehicles Act, it is mandatory for all car owners to have at least a third party car insurance policy. Also, compensating for damages/injuries caused to a third party by your car might result in hefty expenses. Thus, besides being a legal requirement, it is also a wise decision to have third party car insurance policy.

The third party covered offered by Cholamandalam provides insurance for all third party liabilities arising out of an accident/mishap involving your insured car. Under the Cholamandalam third party car insurance policy, coverage is provided for injuries/death caused to a third party along with a coverage of up to Rs 7.5 lakh for third party property damage.

Cholamandalam Third Party Cover Vs Comprehensive Policy

Basis

Third Party Policy

Comprehensive Policy

Coverage

Third Party policy offers coverage for damage caused to third party lives (bodily injuries/death) and a coverage of up to Rs. 7.5 lakh for third party property damage.

Comprehensive policy offers an insurance cover for the insured vehicle, injury/death of a third party and compensation of up to Rs 7.5 lakh for third party property damage.

Add-ons

No add-ons are available with a third party car insurance cover.

A range of add-on covers such as zero depreciation, NCB protection, etc is available with a comprehensive policy.

Cost

It costs comparatively less as it is a basic cover with limited coverage.

It is relatively expensive policy owing to its extensive coverage.

Cholamandalam Third Party Car Insurance Coverage

  • Insurance cover for third party liabilities (injury/death). The final amount of compensation is decided by a court of law.
  • Compensation of up to Rs 7.5 lakh for third party property damage.
  • Availability of optional personal accident cover for policyholder and co-passengers of up to Rs 15 lakh and 2 lakh, respectively.

The following are not covered Cholamandalam third party car insurance policy:

  • Damages incurred to the insured vehicle in an accident/natural calamity or any other mishap.
  • Bodily injuries/death of the policyholder in case of no purchase of a personal accident cover.
  • Add-on covers offered with a comprehensive car insurance policy.

Explore Cholamandalam Car Insurance

Must Read Articles before buying Cholamandalam Car Insurance

Cholamandalam Car Insurance User Reviews

4.9
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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.

    Read More

    S
    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.

    Read More

    D
    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.

    Read More

    N
    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.

    Read More

    S
    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.

    Read More

    K
    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.

    Read More

    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.

    Read More

    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.

    Read More

    P
    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.

    Read More

    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.

    Read More

    M
    By Mili Dhingra
    On: September 15, 2023
Cholamandalam Reviews

Cholamandalam Third Party Car Insurance FAQs

  • 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.
FAQ
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Contact Details

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  • Cholamandalam Contact Details

    (Toll-free) 1800-103-5354, 1800-209-535424*7

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