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*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
Cholamandalam Car Insurance

Network Garages | 7,100+ |
Emergency Assistance | 24x7 Available |
Claim Settlement Ratio | 85.89% in FY20 |
Accreditation | ISO Certification |
Customer Base | 89 Lakh+ |
Presence | 135+ Branches |
About Cholamandalam Car Insurance
Cholamandalam MS is a general insurance company formed as a joint venture between the Murugappa Group and Japan-based Mitsui Sumitomo Insurance Company Limited. It sells a number of insurance policies including car insurance policy which protects you from financial liabilities arising out of accidents/mishaps involving your vehicle.
Cholamandalam offers all three types of car insurance policies. These are third party car insurance policies, standalone own-damage car insurance policies, as well as comprehensive car insurance policies. The insurer also offers a wide array of add-on covers along with these car insurance policies that enable you to customise your policy as per your requirements.
Since its establishment in 2001, Cholamandalam has made a record of settling more than 2 lakh claims every year. With around 104 branches across the country and around more than 8,800 advisory networks, Cholamandalam is catering to the needs of around 90 lakh customers presently.
Cholamandalam MS Car Insurance
Cholamandalam MS General Insurance Company makes sure that your car stays safe and secure against any unforeseen incident and your expenses are entirely covered in the wake of any such incidents. Hence, the insurance company provides different types of car insurance plans which comprise third party car insurance, standalone own-damage car insurance and comprehensive car insurance. All these car insurance policies are designed to protect you from any legal and financial liability which you may incur towards a third party if involved in an accident and to provide you coverage for damages or loss sustained by your own car after a collision or a mishap.
With a range of add-on covers for private cars, the insurance company allows its policyholders to enhance their car insurance policy coverage. Cholamandalam MS offers an extensive range of add-on covers which include zero depreciation, no claim bonus protection, consumables cover, daily cash allowance, key replacement cover, consumables plus cover, and so on. To make people enjoy insurance plans at affordable rates, the insurer provides various sorts of discounts such as No Claim Bonus, Automobile Association Membership Discount, Discount for Anti-Theft Devices, etc. The car insurance plans of Chola MS comes with some more benefits with it like availability of live video streaming for an instant claim, 24/7 customer support and so on.
Significant Points of Chola MS Car Insurance
Features | Coverage |
Third Party Property Damage | Up to Rs. 7.5 Lakh |
Own Damage Cover | Coverage for Own Car for Its Loss and Damage |
Personal Accident Cover | Up to Rs. 15 Lakh for Owner-Driver and Up to Rs. 2 Lakh Per Person for Passengers |
Add-on Covers | 25 Add-on Covers |
Claim Assistance | 24/7 Claim Assistance |
Cholamandalam Car Insurance Benefits
- Safeguards your car against all-natural and manmade calamities such as flood, cyclone, riot, strike, etc.
- A cover for personal injuries of third parties in an accident.
- Provision of No Claim Bonus (NCB) discount on Own Damage (OD) premium for claim-free policy years.
- Cashless claim settlement facility at more than 6,900 network garages approved by the company.
- Easy and hassle-free claim initiation and instant disbursal of the claim amount.
- Availability of 24x7 customer support service on all 7 days of the week.
- Availability of ‘On-site Minor Repair’ add-on which includes repairs such as oil change tyre change that take less than 45 minutes at the breakdown spot.
- Availability of add-on for free towing service of up to Rs 1,500.
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Cholamandalam Car Insurance FAQs
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


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