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Chola Protect Car Insurance
Chola Protect Car Insurance




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Chola Protect Car Insurance

1 Information
1.1 Policy Name
Chola Protect Private Car Package Policy
1.2 Policy Status
In Force
1.3 Customer Care Number
18002005544
1.4 24x7 Customer Support
91% Package Policy Car Insurance Plans have it !
1.5 Buy Online
All Package Policy Car Insurance Plans have it !
1.6 Premium Payment in Installments
9% Package Policy Car Insurance Plans have it !
1.7 Other Plans
1.8 Depreciation Slabs for Adjusting IDV
1.8.1 Age Not Exceeding 6 Months
Royal Sundaram ..
5 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.2 Age Not Exceeding 1 Year
Royal Sundaram ..
15 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.3 Age Not Exceeding 2 Years
Royal Sundaram ..
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.4 Age Not Exceeding 3 Years
Royal Sundaram ..
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.5 Age Not Exceeding 4 Years
Royal Sundaram ..
40 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.6 Age Not Exceeding 5 Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
2 What is Covered
2.1 Third Party Cover
All Package Policy Car Insurance Plans have it !
2.2 Cover for Passengers
2.2.1 PA Cover for Owner Driver
Covered
2.2.2 Max PA Cover for Owner Driver
Royal Sundaram ..
₹ 200000
Rank: 1 (Overall)
Future Generali Car Insurance
2.2.3 PA Cover for Co Passengers
Covered
2.2.4 Medical Cover
Not Covered
2.3 Cover for Accessories
2.3.1 Electrical
Optional
2.3.2 Nonelectrical
Optional
2.3.3 CNG Kit
Optional
2.3.4 Bi Fuel System
Optional
2.4 Engine Protection Cover
Not Covered
2.5 Geographical Area Extension
Optional
2.6 Loss of Personal Belongings
2.6.1 Property
Covered
2.6.2 Licence
Covered
2.7 Accidental Repairs Warranty
Not Covered
2.8 Other Covers
2.8.1 Consumables Cover
Not Covered
2.8.2 Invoice Price Cover
Covered
2.8.3 Zero Depreciation Cover
Covered
2.9 Optional Add On Covers
Monthly installment cover
3 Roadside Assistance
3.1 Roadside Assistance Cover
Covered
3.1.1 24x7 Roadside Assistance
Covered
3.1.2 On Site Minor Repairs
Not Covered
3.1.3 Medical Coordination
Not Covered
3.1.4 Alternate Transport Assistance
Not Covered
3.1.5 Car Towing
Covered
3.1.6 Battery Jump Start
Covered
3.1.7 Tyre Related Assistance
Covered
3.2 Keys
3.2.1 Arrangement of Duplicate Keys
Not Covered
3.2.2 Lock Out or Lost Keys
Not Covered
3.2.3 Key Replacement
Covered
3.3 Fuel
3.3.1 Fuel Delivery
Covered
3.3.2 Emptying of Fuel Tank
Not Covered
3.4 Other Benefits
3.4.1 Urgent Message Relays
Not Covered
3.4.2 Accomodation Benefits
Not Covered
3.4.3 Legal Advice
Not Covered
3.4.4 Daily Inconvenience Allowance
Covered
3.5 Max Times It Can be Availed
2
4 Claims
4.1 Cashless Garages
All Package Policy Car Insurance Plans have it !
4.1.1 Cashless Garage Network
Bajaj Allianz C..
850 +
Rank: 13 (Overall)
United India Car Insurance
ADD ⊕
4.2 Lodging Claims From Anywhere 24x7
78% Package Policy Car Insurance Plans have it !
4.3 Quick Online Approval
13% Package Policy Car Insurance Plans have it !
4.4 Appointment of Surveyor
No Package Policy Car Insurance Plans has it !
4.5 Claim Settlement Duration
HDFC Ergo Car I..
30 days
Rank: 2 (Overall)
Bharti AXA Car Insurance
ADD ⊕
4.6 Required Documents
4.6.1 For Accidental Claims
Driving licence, Duly filled and signed claim form, Original repair estimate, Payment receipt for non-cashless claims, Policy copy, Registration certificate, Repair invoice
4.6.2 For Theft Claims
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, No trace report, Policy copy, Registration certificate, RTO transfer papers
4.6.3 For Third Party Claims
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, Policy copy, Registration certificate
5 Discounts
5.1 No Claim Bonus
All Package Policy Car Insurance Plans have it !
5.1.1 NCB After One Claim Free Year
Royal Sundaram ..
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.2 NCB After Two Claim Free Years
Royal Sundaram ..
25 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.3 NCB After Three Claim Free Years
Royal Sundaram ..
35 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.4 NCB After Four Claim Free Years
Royal Sundaram ..
45 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.5 NCB After Five Claim Free Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.2 Voluntary Discount Option
96% Package Policy Car Insurance Plans have it !
5.3 Age Discount
9% Package Policy Car Insurance Plans have it !
5.4 Profession Discount
4% Package Policy Car Insurance Plans have it !
5.5 ARAI Approved Anti Theft Device
87% Package Policy Car Insurance Plans have it !
5.6 Membership Discounts
5.6.1 AAI Membership
78% Package Policy Car Insurance Plans have it !
5.6.2 Recognised Motor Association
57% Package Policy Car Insurance Plans have it !
5.7 Handicap Discount
43% Package Policy Car Insurance Plans have it !
6 Terms and Conditions
6.1 Inclusions
6.1.1 Natural Calamities
Cyclone, Earthquake, Explosion, Fire, Flood, Frost, Hailstorm, Hurricane, Inundation, Landslide, Lightning, Rockslide, Self-ignition, Storm, Tempest, Typhoon
6.1.2 Manmade Calamities
Accident by external means, Burglary, Housebreaking, Malicious acts, Riots, strikes, Terrorism, Theft, Transit by road, rail, inland waterways, air or lift
6.2 Depreciations
6.2.1 Rubber, Nylon, Plastic Parts etc.
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.2 Fibre Glass
Royal Sundaram ..
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.3 Parts Made of Glass
Royal Sundaram ..
0 %
Rank: N/A (Overall)
Royal Sundaram Car Insurance
6.3 Other Terms and Conditions
6.3.1 Deduction for the Salvage Amount
22% Package Policy Car Insurance Plans have it !
6.3.2 Cost of Surveyor Inspection
4% Package Policy Car Insurance Plans have it !

Details About Chola Protect Car Insurance

Chola Protect Car Insurance is a Package Policy provided by Chola MS. Details about Chola Protect Car Insurance include basic information, covers included in the plan, roadside assistance details, claims and discounts related information and terms and conditions of the policy. Cholamandalam Insurance Company customer care number is: 18002005544. This policy can be bought online. It provides Third Party liability insurance. The insurance policy provides personal accident cover for the Owner/ driver. The maximum limit of personal accident cover under this plan is ₹ 200000.The policy includes personal accident cover for co passengers. You can get your vehicle repaired in cashless garages of Cholamandalam Insurance Company.

Covers In Chola Protect Car Insurance

Among various covers in Chola Protect Car Insurance, some are mandatory covers, while the remaining are optional covers. Optional covers can be selected at an additional premium. Some companies also put a limit on the maximum number of times these covers can be claimed. Comparing Chola Protect Car Insurance vs Bajaj Allianz Car Insurance Flexible Plan will help for you to decide which one is better. If the insured vehicle is going to be used outside the Indian border, You should avail the geographical area extension; Otherwise the car insurance does not cover any damage to the vehicle, injury to the owner or third party liability outside the Indian border. This cover can be availed for surrounding countries such as, Nepal, Sri lanka, Maldives, Bhutan etc. Geographical area extension is available for most of the car insurance policies as an optional cover.

Some car insurance companies provide cover for the accessories that are not fitted by the car manufacturer. The accessories in a car can be of two types- Electrical accessories and Non-Electrical accessories. Chola Protect Car Insurance provides you with an option to cover electrical accessories fitted in the car. The policy provides cover for non-electrical accessories fitted in the car, as an optional cover.If you have installed a CNG kit in your car, you also need to buy a CNG kit cover. Chola Protect Car Insurance provides cover for CNG kit installed in the car, as an optional cover.

Roadside Assistance by Cholamandalam Insurance Company

Roadside Assistance is the emergency on site help provided by the insurer, in case the insured car suffers a breakdown or an accident.Chola Protect Car Insurance provides roadside assistance. The number of times roadside assistance by Cholamandalam Insurance Company can be availed is 2. Roadside Assistance by Cholamandalam Insurance Company includes towing facility to tow your vehicle to the nearest garage. Assistance related to the keys and fuel is also included in some roadside assistance covers. Chola Protect Car Insurance roadside assistance does not include locked/ lost keys related assistance. Fuel delivery is included in this plan. The company makes the arrangements for fuel delivery at your location, in case your car runs out of fuel.

Discounts On Chola Protect Car Insurance

The insurance company provides various discounts on Chola Protect Car Insurance, which reduce the amount of premium to be paid. No Claim Bonus, Voluntary Discounts, ARAI approved Anti-Theft Device discount are the main discounts that are generally available on car insurance package policies. Apart from these, some companies also provide age based discounts, profession based discounts and membership based discounts.There might be some more Discounts available on Chola Protect Car Insurance. Voluntary discount option is also available for the policy. Cholamandalam Insurance Company provides an additional discount on your premium if you have fitted an ARAI approved Anti-Theft device in your car.

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