Cholamandalam MS General Insurance

Cholamandalam MS General Insurance

Chola MS General Insurance

Chola MS General Insurance Company Limited, a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan.

Chola MS General Insurance began its operations in 2002. The company has grown consistently to expand its 26 states with over 600+ touch points, and a network of over 15,500+ garages.

A leading and respected player in the General Insurance space, Chola MS champions the philosophy known as T3 — Trust, Transparency and Technology. Driven by a promise the company has taken — #pledge2protect — ‘customer centricity’ forms the essence of the brand. Visit the official website of Cholamandalam MS General Insurance : Click Here

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Step-by-step guide to buy Cholamandalam MS Car Insurance policies

  • Step 1

    Step 1

    Open our online application form.

    Click here to insure your private car.

  • Step 2

    Step 2

    Enter the vehicle type, registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.

  • Step 3

    Step 3

    Choose the IDV, NCB value, optional add-on covers and plan type to get a list of relevant car insurance policies. You need to update the expiry date of your current insurance policy here.

  • Step 4

    Step 4

    Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

  • Step 5

    Step 5

    Confirm the vehicle registration date and the previous policy type (Comprehensive car insurance / third-party car insurance). Click on ‘Proceed’.

  • Step 6

    Step 6

    Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.

  • Step 7

    Step 7

    Review your previously filled details and make the payment through your preferred online payment mode. Use net banking, UPI, credit, or debit card to buy Chola MS car insurance policy.

  • After successful payment, your car insurance policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment processed successfully.

    You can also access your policy details through the My Account section within 5-7 days after purchase.

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Documents required to buy Chola MS motor insurance policies

No documents required to buy Chola MS motor insurance policies on Bajaj Finance Insurance Mall. Below are some basic information that you need to purchase the policy.

  • Registration number of the vehicle being insured
  • Valid 10-digit mobile number
  • Name and e-mail ID of the applicant
  • Residential address and PIN code of the applicant
  • Previous policy details of the vehicle

How to raise a cashless claim

To claim the benefits of cashless claims at CHOLA MS network garages, follow these steps:

  • Step 1 - Contact Chola MS

    Step 1 - Contact Chola MS

    Log in to https://www.cholainsurance.com or CHOLA MS app and click on 'Claim Now' to register your claim request. You can also call 1800-208-5544 (toll-free) to register your claim or send an e-mail to customercare@cholams.murugappa.com.

  • Step 2 - Locate your nearest network garage

    Step 2 - Locate your nearest network garage

    Once the claim is registered, take your vehicle to a Chola MS network garage near you.

    In some cases, a crew may be assigned to take your vehicle for repairs at network garages.

  • Step 3 – Repair cost and coverage is estimated

    Step 3 – Repair cost and coverage is estimated

    A surveyor along with a mechanic will discuss and let you know the repair cost and the coverage amount based on the applicable terms and conditions.

  • Step 4 – Bill is settled between Chola MS and the garage

    Step 4 – Bill is settled between Chola MS and the garage

    The garage will repair your vehicle and settle the bill directly with Chola MS.

    The balance (deductibles) amount needs to be paid by you to the garage.

How to raise a reimbursement claim

To reimburse your vehicle repairing bills with Chola MS General Insurance, follow these steps.

  • Step 1 - Inform the insurer

    Step 1 - Inform the insurer

    Log in to Chola MS.com or the CHOLA MS app using your registered mobile number or call 1800-208-5544 (toll-free) and inform CHOLA MS about the damage to your vehicle.

  • Step 2 – Get the vehicle repaired at any of your preferred garage

    Step 2 – Get the vehicle repaired at any of your preferred garage

    Get your vehicle repaired at your preferred garage, pay the bills, and retain the invoice.

  • Step 3 - Upload the invoice and other necessary documents

    Step 3 - Upload the invoice and other necessary documents

    Submit the reimbursement claim with Chola MS by logging in to their website or app and uploading the invoice and necessary documents.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    Chola MS will reimburse the claim as per the policy terms and conditions.

Documents required for raising claim requests

Here are the documents required to raise claims with Chola MS.

  • Copy of fully filled and duly signed claim form
  • Copy of the registration certificate (RC) of your vehicle
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • Vehicle permit & FC copy in case of commercial vehicle.
  • Load Challan in case of vehicle loaded at time of loss.
  • The original bills for the repairs of the vehicle (only in case of reimbursement claim)

Contact Chola MS

For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:

Frequently asked questions

What is Chola MS General Insurance?

Chola MS General Insurance, a joint venture between Murugappa Group and Mitsui Sumitomo Insurance Company, offers a range of insurance products, including health, motor, and travel insurance. It focuses on providing comprehensive coverage and customer-centric solutions, ensuring policyholders are well-protected against various risks.

What is the claim settlement ratio for Chola insurance?

Chola MS General Insurance has maintained a strong claim settlement ratio, which is a key indicator of its reliability. A health claim settlement ratio demonstrates the company’s efficiency in addressing and resolving claims promptly and effectively.

What is the time taken by the Chola MS motor insurance company to settle a claim?

Chola MS Motor Insurance typically settles claims quickly, depending on the complexity and documentation of the case. Simple claims may be resolved in a shorter time, especially with proper documentation and swift communication between the insurer and the policyholder.

Why should I buy Chola MS Car Insurance?

Chola MS Car Insurance provides comprehensive coverage, including protection against accidents, theft, and natural disasters. With a strong claim settlement ratio and a wide range of add-ons, it offers policyholders enhanced peace of mind and tailored insurance solutions for all types of vehicles.

What will be the tenure of the Chola car insurance policy?

The tenure of Chola MS Car Insurance policies typically ranges from one to three years. Customers can choose the policy duration that best suits their needs, with the option to renew upon expiry to ensure continuous coverage for their vehicles.

How many modes of payment are allowed in Chola MS Car Insurance?

To pay the premiums Chola MS Car Insurance, you can use multiple payment modes for convenience, including online payments via credit/debit cards, net banking, UPI, and offline methods such as cheques and demand drafts.

How to know the policy status of my Chola MS Car Insurance policy?

To check the status of your Chola MS Car Insurance policy, you can visit the official website, log in to the customer portal, or use the insurer's mobile app. Alternatively, you can contact customer support for assistance or visit a nearby branch.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.