The wide ranging benefits you enjoy when you buy car insurance from Chola MS.

• A complete comprehensive cover that offers both "Third Party Cover" and "Own Damage Cover"
• Third Party Liability Cover - Personal Liability & Property Liability
• Personal Accident Cover - for both owner - driver and passengers
• Protects your vehicle from losses or damages due to accidental external means, burglary, theft and various other perils
• Discount on OD (Own Damage) premium for claim free policy years - No Claim Bonus
• Optional cover for personal accident cover of up to RS 2 lakhs for other passengers in your car
• Cashless claims facility available at over 400 Chola MS preferred garages
• Seamless and hassle-free claims process
• Online car insurance buying facility with simple, hassle-free procedures
• Quick and easy online insurance renewal process

* Conditions apply.

Chola MS Car Insurance will protect your car against:

• Third Party Personal Liability with an unlimited coverage. Whatever the court awards as your liability to the third party due to accidental death or injuries caused by your vehicle will be met by Chola MS.
• Third Party Property Damage with a maximum cover of RS 7, 50,000 in case of Private Cars.
• Own Damage Cover will cover the loss or damage against :
  • Fire, explosion, self-ignition or lightning
  • Burglary housebreaking or theft
  • Riot and strike
  • Earthquake (fire and shock damage)
  • Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm
  • Accidental external means
  • Malicious Act
  • Terrorist Activity
  • Whilst in transit by road, rail, inland waterway, lift or air
  • Landslide, Rockslide
  • Personal Accident Cover with compensation for owner as well as unnamed passengers including spouse, children, parents, etc.,
  • Legal liability towards your employees that may arise due to an accident involving the vehicle.

Discounts - No Claim Bonus; Automobile Association Membership Discount; Discount for Anti Theft Devices fitted in vehicle, approved by Automobile Research Association of India (ARAI)

Add-on Covers for Private Vehicles
You can choose from a wide range of additional covers for enhanced protection of your vehicle.

• Fixed Daily Allowance of RS 500 or RS 1000 per day to meet the cost of hiring a car (maximum of 5 days per policy period) if your car involved in an accident is under repair at the garage.
• Reinstatement Value to ensure maximum claim benefit - Full Car Investment Security with compensation on the basis of 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 like replaced 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 luggage must have been inside the locked car during the mishap). The maximum reimbursement in a policy period is RS 10,000
• Reimbursement of cost towards obtaining a duplicate Ignition key subject to a maximum of RS 1,000/- ("when the original ignition key is lost").
• Compensation for obtaining duplicate license (fixed sum of RS 500/-) in case of loss of Original Driving License of Light Motor Vehicle
• Coverage for Road Tax and Registration Charges
• Chola Assistance for Roadside Emergencies - CARE 24x7 for spot assistance like fuel delivery/ battery top-up or car breakdown assistance like fixing a flat tyre/on-site repair. CARE can be reached at 1800-103-5354 / 1800-209-5354 (Exclusive Toll Free number for CARE Services only).

* Conditions apply.

Benefits	CARE Standard
	Monetary/ Event limit
On-site repair of the vehicle	2 events per year
Battery Jumpstart	2 events per year
Tyre Change ( Replacement of stepney)	2 events per year
Car wash (only in case of accident / break-down): If the vehicle is towed	RS350/2 events year
Towing of the Vehicle	RS1,500/2 events per year - Towing distance limit: 20Km
Removal of the Vehicle	RS3,000/2 events per year
Fuel delivery (only petrol or diesel)	NA
Transport of the repaired or recovered vehicle or traveling expenses to drive the car back. (Only if repairing time is more than 3 days )	NA
Deposit or custody transfer of the repaired or recovered vehicle (Only if repairing time is more than 3 days)	NA
Location and delivery of replacement parts of the vehicle in case repair of the damaged part is not possible (Only if the genuine parts are available in India)	NA
Stay/Accommodation due to immobilization or theft of the Covered Vehicle## Or Traveling expenses due to immobilization or theft of the Covered Vehicle## and Luggage Transportation to residence in case of accident## (## Only if vehicle repair time is more than 6 hours)	NA
Emergency travel as a result of burglary/ fire/ explosion at your residence or business premises	NA

The above covers are available at a nominal additional premium and subject to the terms, exceptions conditions and limitations of the policy. Refer to policy wordings for the complete scope of coverage, exclusions and terms and conditions of the policy.

* Conditions apply.

While Chola Protect Insurance policy for private vehicles, offers you an array of superior benefits, it's good to know what it does not cover.

• Accidental loss or damage suffered while driving under the influence of intoxicating liquor or drug
• Accidental loss or damage caused due to willful negligence
• Loss or liability while the vehicle is 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 radioactivity or nuclear weapons
• Loss due to war and related activities

Please refer to the Policy Wordings for the complete scope of coverage, exclusions and terms and conditions of the policy.

* Conditions apply.

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

The schedule of age-wise depreciation is shown below and is applicable for the purpose of Total Loss / Constructive Total Loss claims only.

Age of the Vehicle	% of Depreciation for fixing IDV
Not exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

* Conditions apply.