Call us at Toll Free number within India - 1800-200-5544
Customers from abroad/ foreign locations, please call us at +9144 3098 5300)

Car Insurance

Car insurance is mandatory for all vehicle owners in India. But this shouldn't be your only reason to choose a good insurance policy. We understand how stressful an accident can be. This is why we offer some of the best covers for you and your car.

When an accident occurs, the last thing you want is to worry about the financial burden. The emotional and physical impact of the accident should be all you need to take care of during such an emergency. Of course, there might be added stress if you've been in an accident with another vehicle, damage to which you might be liable to compensate for.

At times like this, a good vehicle cover will ensure that you need not worry about the finances required to receive treatment following the accident, repair your beloved vehicle and pay for any third party liability.

But this is not all that can happen. Misfortune comes in many forms, such as natural disasters like earthquakes and floods, theft, vandalism and, today, even acts of terrorism. Protect yourself from the impact of unexpected calamities and gain the ultimate in peace of mind with Chola MS Private Car Insurance.

The Chola MS Private Car Insurance Policy covers you for a wide range of possibilities, from third party to damage to your own vehicle as well as personal accident. Our policy offers a complete financial plan to secure the future of your car and a worry-free existence for you.

In addition, we ensure easy and hassle-free claim settlement, along with the maximum financial coverage. But these are only a few benefits that you gain when you buy a car insurance policy from Chola MS.

BenefitsWhat does it coverWhat it does not coverSum InsuredTab Right

Here's a look at the wide range of benefits you stand to gain when you choose Chola MS for your car insurance:

  • Complete comprehensive cover that offers both Third Party Cover and Own Damage Cover
  • Third Party Liability Cover that includes TP Personal Liability & Property Liability
  • Personal Accident Cover for the owner, driver and passengers
  • Protection for your vehicle against damage or loss due to accidental external means, theft, burglary and various other perils
  • Discount on Own Damage (OD) premium for claim free policy years - No Claim Bonus
  • Optional cover for personal accident of up toINR 2 lakhs for passengers in your car
  • Cashless claims facility available at more than 600 Chola MS preferred garages
  • Seamless and hassle-free claims process
  • Facility to buy online car insurance through simple and hassle-free procedures
  • Quick and easy online insurance renewal process

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All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation.

Cholamandalam MS, a General Insurance Company in India, offers a wide range of insurance policies for individuals and corporates. For individuals, there are products
like Car insurance, Travel Insurance, Health Insurance, Accident Insurance and Home Insurance. For SME's and Corporate Insurance clients, Chola MS offers customized solutions encompassing insurance and risk consulting services such as Engineering Insurance, Liability Insurance, Marine Insurance, Property and Miscellaneous Insurance

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At Chola MS, we aim to provide you information and services of the highest quality, through our team of agents, employees and intermediaries.

We are eager to get feedback from you regarding your experiences with Chola MS.

Please do share your thoughts with us please use the form in the Contact Us page for this.

We Respect Your Privacy

At Chola MS, we aim to keep you updated on the latest products and services, to add value to your experience with us. We convey such information by letter, e-mail or the phone and only to those whom we think will find these products and services interesting and beneficial.

We respect and value your privacy and understand that some of you may not wish to be contacted over the phone for promotions.

If this is the case with you, you may please let us know your phone number(s) that you want excluded from our telemarketing list. The details that you provide to us will remain confidential.

Once you have registered for the Do Not Call Registry:

  • We will make every effort to see that you do not receive any unwelcome marketing calls from Chola MSon the registered numbers.
  • Registration on the DNCR will only bar unsolicited calls for Chola MS products and services and not for the product and services of any other group companies.

Click here for Do Not Call Registry.


Mr. S S Gopalarathnam is the Managing Director of Cholamandalam MS General Insurance Company Limited (Chola MS).

He joined the Murugappa Group in 1979 as a Management Trainee and has been with the group for the past 30 years. Mr. Gopalarathnam has been with Chola MS as Chief Financial Officer since its inception, became President Operations in 2006 and took over as Managing Director and CEO in April 2008.

A graduate of commerce and a qualified FICWA from the Institute of Cost and Works Accountants of India, he has extensive training in the areas of strategy, finance and leadership.He has also recently undergone an Advanced Management Program at Harvard University, USA.

He was an active member of IRDA's Working Group responsible for revamping investment regulations in India, and a member of the Committee to revamp Motor Pool in India.