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Cholamandalam Third Party Car Insurance

96 reviews Rate This
    Network Garages7,100+
    Emergency Assistance24x7 Available
    Claim Settlement Ratio85.89% in FY20
    AccreditationISO Certification
    Customer Base89 Lakh+
    Presence135+ Branches

    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


    Third Party Policy

    Comprehensive Policy


    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.


    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.


    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.

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    Cholamandalam User Reviews

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    • Excellent service

      Very good service, strongly recommended. They've called and provide a good service,.................. ..........

      Tata Tigor 2017-2020 Chennai
      By Karthick Velchami
      On: August 22, 2022
    • fast and perfect

      everything was quick best quotes got zero dep option with ease and much better then policy bazar varierty of...

      Mahindra E Verito New Delhi
      On: June 22, 2022
    • Faster and easier process

      Easier and the best site for insurance renewal Thank You for helping out in making my insurance renewal proc...

      Maruti Dzire Periyakulam
      On: April 2, 2022
    • Thrid Party Car Insurance

      Hassle free and all details were easily captured. Easy to make payment and download the policy details. No nee...

      Tata Nexon 2017-2020 barrackpore
      On: January 1, 2022
    • Paperless process

      Buying Cholamandalam car insurance policy from InsuranceDekho was a very easy and paperless process. I liked t...

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      By Jeevan Chand
      On: July 10, 2020
    • Several modes of payment

      The payment process at InsuranceDekho is transparent and secured. I bought a Cholamandalam car insurance polic...

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      By Arush Nagpal
      On: July 9, 2020
    • Helpful team at InsuranceDekho

      I talked to the customer care executives at InsuranceDekho when I was looking for a car insurance policy for m...

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      By Rahul Girdhar
      On: July 3, 2020
    • Really helpful team at Insuran...

      InsuranceDekho has a really helpful team that helped me buy Chola MS car insurance policy for my Tata Harrier ...

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      By Anchal Kataria
      On: July 2, 2020
    • Easy to buy car insurance onli...

      I purchased a Cholamandalam car insurance policy for my Maruti Suzuki Dzire at InsuranceDekho in simple steps ...

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      By Gunjan Rao
      On: June 26, 2020
    • Awesome services

      InsuranceDekho offers great insurance plans for cars. I chose a Cholamandalam car insurance plan for a Ford Fi...

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      By Dev Gupta
      On: June 25, 2020

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

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.