1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)


Private Car Insurance

You love your car and your family and you want to keep them safe at any possible rate. Chola MS keeps you secure with its private car insurance policy.

Why you should get a motor insurance policy

If you own a car, Indian law requires you to have third-party insurance for your vehicle. Whether you want a comprehensive car insurance policy is your choice. Car insurance can relieve you of the burden of unnecessary expenses which may be incurred owing to accident, fire or theft.

What to look for in a motor insurance policy

  • It offers damage cover for a third party and your own vehicle
  • It offers 24/7 assistance in case of a car breakdown or accident
  • Cashless claims
  • Easy claim settlement process
  • Quick online buying and renewal process

Chola MS comprehensive can insurance policy covers damage to your own vehicle as well as damage to a third party property. Whether the damage is through accident or theft, or through natural calamities like earthquake and flood, Chola MS motor insurance covers it all.

You can buy and renew car insurance online, and be assured of easy and hassle-free claim settlement.

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

* Conditions apply.

Chola MS Motor Insurance protects your vehicle against:

  • Third Party Personal Liability with unlimited coverage. The amount awarded by the court as your liability to a third party due to accidental death or injuries caused by your vehicle will be compensated for under the vehicle insurance policy.
  • Third Party Property Damage with a maximum cover ofINR 7,50,000, in case of private cars.
  • Own Damage Cover protects against the loss due to:
    • Fire, lightning, self-ignition or explosion
    • Burglary, theft or housebreaking
    • Strike or riot
    • Earthquake (shock damage and fire)
    • Flood, inundation, storm, tempest, typhoon, hurricane, Cyclone and Hailstorm
    • Accidental external means
    • Malicious acts
    • Terrorist activity
    • During transit by rail, road, inland waterway, air or lift
    • Landslide and rockslide
  • Personal Accident Cover with compensation for owner cum driver.
  • LL to Paid Driver.
  • PA cover for named & unnamed passengers, including spouse, children, parents, etc
  • Legal liability towards employees arising out of an accident involving the insured vehicle.

Other Covers available are

  • Discounts include No Claim Bonus, Automobile Association Membership Discount, Discount for Anti Theft Devices approved by Automobile Research Association of India (ARAI) that are fitted in the vehicle
  • Add-on Covers for Private Vehicles include a wide range of additional covers that you can choose from for enhanced protection of your vehicle.
  • Fixed Daily Allowance of INR500 orINR1,000 per day to meet the cost of hiring a car (for a maximum of 5 days per policy period) if the insured vehicle was involved in an accident and is under repair at a garage.
  • Reinstatement Value to ensure maximum claim benefit - Full Car Investment Security with compensation based on the vehicle invoice value# and zero depreciation charges on repaired parts
    (# Excluding vehicle registration charges and road tax.)
  • Waiver of reduction in depreciation for partial losses, such asreplaced vehicle parts, depending on the age of the vehicle.
  • Cover for personal belongings and clothing destroyed or damaged in a fire or an accident (the items must have been inside the locked car during the mishap). The maximum reimbursement during a policy period isINR10,000
  • Reimbursement of expenses towards obtaining a duplicate ignition key up to a maximum ofINR 1,000, following the loss of the original ignition key
  • Compensation for obtaining duplicate license (fixed sum ofINR 500) in the event that the original driving license for a light motor vehicle is lost
  • Cover for road tax and registration charges
  • Chola Assistance for roadside emergencies - Support is available 24x7 for spot assistance, including fuel delivery and battery top-up, as well as car breakdown assistance including fixing a flat tyre or on-site repair. CARE 24x7 can be reached at 1800-103-5354 /1800-209-5354 (Exclusive toll free numbers for CARE Services only).

The Chola insurance policy for private vehicles does not cover the following:

  • Accidental damage or loss due to wilful negligence
  • Accidental loss or damage if you are driving under the influence of intoxicating liquor or drug
  • Loss or liability while the vehicle is being used outside the scope of limitations of use and/or being driven by a person not duly licensed
  • Consequential loss, depreciation, wear & tear, mechanical & electrical breakdown / failure of breakages
  • Loss due to nuclear weapons or radioactivity
  • Loss due to war and related activities

* Conditions apply.

The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'Sum Insured,' fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle is fixed on the basis of the manufacturer's listed selling price for the specific brand and model of the insured vehicle at the time of commencement of the insurance or renewal, and adjusted for depreciation.

The table below lists the schedule of age-wise depreciation, for fixing IDV.

Age of the Vehicle % of Depreciation for fixing IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding
1 year
Exceeding 1 year but not exceeding
2 years
Exceeding 2 years but not exceeding
3 years
Exceeding 3 years but not exceeding
4 years
Exceeding 4 years but not exceeding
5 years

* Conditions apply.

Chola MS General Insurance Online General Insurance

Customers Reviews

Average Rating:
(Based on 13 ratings)
5 Star:
4 Star:
3 Star:
2 Star:
1 Star:

  • 23-Feb-2014
    I had run out of time in renewing my car insurance. It was the last day and I searched on Google for competitive quotes online. I hit upon Chola MS Car Insurance on their website and ended up buying online within 10 minutes, after checking out the instant quotes. Even more thrilled that I got my policy certificate instantly online to my eMail id. Thank you Chola MS It was a super experience.

  • 08-Mar-2014
    I was looking for a competitive car insurance premium for my Volkswagen Polo Car. I visited www.cholainsurance.com and checked out the quotes. It was attractive and was a perfect fit within my budgets. I ended up buying online in less than 10 minutes. It was fast, secure and convenient too with instant policy sent to my eMail. It indeed was a peaceful experience.

  • 09-May-2014
    This is the first time I used Chola MS for my car insurance and surprisingly, it was an amazing experience. All I did was fill up my personal details and their customer service representative called me up and helped me through the whole process. I am hoping to receive similar quick response when it comes to claims settlement.

  • 04-Jun-2014
    I had run into a huge accident last week and the sum needed to get it repaired was a lot. Luckily I ended up at one of the garage which provided cashless claims for people having a car insurance policy from Chola MS. There isn¿t anything else I could have asked for from my insurance company.

  • 10-Jun-2014
    Really impressed with the services rendered by Chola. Claims settlement was easy and customer service executive is very friendly.

  • 25-Jun-2014
    The policy renewal process is easy and completed within minutes. Thanks for the guidance provided by Chola¿s service provider.

  • 08-Jul-2014
    With a wide range of benefits along with cashless claims at more than 600 garages across India, the car insurance policy from Chola Insurance is definitely the best one in the market today and it has enough options and features to make it a complete policy for my car.

  • 04-Aug-2014
    For me my car insurance from Chola is by far the best one yet as their online services are really good and I do not have to worry about the finances during any repair work. The online sales team was prompt in calling and solving all my queries at the time of my online purchase.

  • 10-Aug-2014
    Renewed my car insurance policy online within few minutes and would like to appreciate customer care services provided by Chola MS.

  • 25-Sep-2014
    Thanks to Chola MS team for the timely release of claim when I recently met with an accident which left the front panel portion of my car partially damaged.
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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 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.

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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.