Chola MS Car Insurance : Cholamandalam General Company

Organization : Cholamandalam MS General Insurance Company Ltd
Facility : Chola MS Car Insurance

Get More details here : cholainsurance.com/individual/car-insurance.aspx
Home Page : http://www.cholainsurance.com/

Car Insurance :

WHY CAR INSURANCE? :
** Your car is your reason for joy, happiness and immense pride.
** It gives you independence, freedom and the ease to move around.

Related : Chola MS Health Insurance : www.statusin.in/1883.html

** While buying a car is always a great emotional moment for the entire family, it is also one of the most important purchase decisions you ever made.
** Once you buy a car it becomes crucial to protect your vehicle against risks and uncertainties.
** The moment your car rolls down the road, it is prone to many unforeseen hazards such as accidents, fire, theft and loss of vehicle, resulting in sudden and huge expenses that may drain out your hard earned money.
** A good car insurance policy makes sure your vehiclestays safe and secure against any unfortunate event and your expenses are completely covered in the wake of any such incidents.

A GOOD MOTOR INSURANCE POLICY MEANS :
** The damage done to a third party is completely covered.
** 24/7 help and assistance in case of an accident or a sudden breakdown.
** Easy, smooth and hassle free claim settlement process.
** A wide network of cashless garages for easy claims
** Instant Online Policy buying and renewal.

CHOLA MS comprehensive car insurance policy provides you with all the above benefits along with a complete peace of mind and sense of security. Not only does it cover your vehicle from accidents and losses but also from the damage done through natural calamities like earthquake, cyclones and floods.

Benefits :
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

What does it Cover :
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 24×7 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 24×7 can be reached at 1800-103-5354 /1800-209-5354 (Exclusive toll free numbers for CARE Services only)