Cholamandalam Car Insurance FAQs

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.

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.

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

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.

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

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.

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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.

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

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

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

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

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

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