Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive car insurance, as the name suggests, offers overall cover for damages to both parties involved in an accident. This is an extensive policy because it covers damages to car, theft of car, legal liability towards third-party and personal accident cover. The policy coverage can also be extended by opting for add-ons like Monthly Instalment Cover, Coverage for Disabled Vehicle, Waiver of Depreciation, Personal Belongings (inside the vehicle), etc. This cover is preferred due to its end-to-end coverage, which provides convenience and security for the policyholder.

Why choose Chola MS Comprehensive Car Insurance?

Competitive Premiums: Overpriced premiums have no place at Chola MS. We offer competitive and best-priced premiums to all our customers. Get a quote and find out for yourself. It's just a click away.

Low IDV: Customize your IDV to suit your requirement.

Quick & Hassle-free Claims: 15,000 claims settled within a month and 60% claims settled in 10 days. Our claim process is designed to assist customers with a speedy turnaround on their claim settlement.

Limitless Claims: No restrictions on claims. Register as many as you need until the IDV is exhausted.

[/B]Phone,Email & Chat Support:[/B] Phone and Email Support is available.

Cashless Garages: 7100+ Cashless Garages spread across the country for your convenience.

Doorstep Pickup & Repair: Doorstep pickup, repair and drop.

Exclusive Discounts: Chola MS ensures customer delight always. Our customers are eligible for discount on purchases from Pharmacies and for services in leading Diagnostic Centres spread across the country.

Benefits of Comprehensive Car Insurance

Comprehensive Car Insurance attracts a higher premium when compared to Third Party Car Insurance, but with good reason. A comprehensive cover provides an extensive insurance cover benefits with the option of Add on covers. A standard comprehensive car insurance policy covers you for the following:

Theft of your car

Damage to your car due to natural calamities and disasters

Damage to your car due to an accident

The Comprehensive Car Insurance provides a cover for the damages and protects both the parties involved in the case of an unfortunate accident. Buying comprehensive insurance for a car is beneficial as it covers all kinds of accidents, thefts and even legal charges towards a third party.

Here are some of the features of Car Insurance -

Receive quick and hassle free claims at Chola MS which is designed for speedy turnarounds on claim settlement for the comfort of the customer

With zero restrictions on claims, you can register as many claims as you need until your IDV is exhausted

Receive customer support via chat, email and phone calls, even on national holidays

Chola MS ensures exclusive discounts for services in diagnostic centers and pharmacies across the country

Benefits of Comprehensive Car Insurance

While a standard insurance policy only covers the basic damages to the car due to an accident or theft, a comprehensive car insurance policy covers you for the damages of your car and vehicle or property of a third party and the injury caused to the third party due to the accident.

What does your comprehensive car insurance policy give you?

What it covers

Personal injury in an accident

Damage to your car due to fire or explosion

Damage to vehicle or property of a third party in an accident

Injury to a third party during an accident

What it does not cover

To ensure there are no shocks or surprises when you make a claim make a note of these events and situations which are not covered under this policy.

If the event occurs post expiry and prior to renewal of the policy, your car will not be covered. Policy must be in force at the time of damage thus it is important to renew on time.

Depreciation in the value of the car is not covered.

Any electrical or mechanical breakdowns are not covered under this policy.

Driving under the influence of drugs/alcohol is out of insurance coverage scope

Any damages to your car due to war, terror attacks, invasion, radiation, rebellion or hostilities will not be covered.

Activities in violation of the law such as driving without a valid license, driving on the wrong side of the road or underage driving are not covered by the policy.

Damages due to negligence such as forgetting to lock the car leading to theft are out of scope.

Damages caused by deliberate attempts such as intentionally hitting your car to cause an accident will not be covered by this policy.