{"uin":"IRDAN123RP0001V01200203","name":"Chola Value Added Services - Motor Private Car Package Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"motor-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a set of motor private car add-on covers offered with a 1 year OD + 1 year TP cover combination. The documents describe covers such as Franchise Benefit, Waiver of depreciation, NCB protection, consumables, key covers, hydrostatic lock, tyre protect, roadside assistance and related value added services.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:56:14.389958+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Listed add-on covers show a 1 year OD + 1 year TP cover combination.","display":"1 year OD + 1 year TP","note":"The term is shown as a cover combination for add-on covers; the base policy schedule term is not printed.","quote":"1 | Monthly Instalment Cover | IRDAN123RP0001V01200203/A0005V01201314 | 1 year OD + 1 year TP ... 7 | Franchise Benefit | IRDAN123RP0001V01200203/A0005V01201213 | 1 year OD + 1 year TP","sources":[{"clause":"Row 1","heading":"Monthly Instalment Cover","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1"},{"clause":null,"heading":"Cholamandalam MS General Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/5303#c-cholamandalam-ms-general-insurance-company-limit"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Deadlines vary by add-on: Pay As You Use requires intimation within 24 hours; Hydrostatic Lock Plus requires immediate intimation; Battery Protect excludes claims intimated after 30 days.","display":"Within 24 hours for Pay As You Use; immediately for Hydrostatic Lock Plus; after 30 days excluded for Battery Protect","note":"These are add-on specific conditions, not one common deadline for all covers.","quote":"8. The insured has to intimate to us within 24 hours on happening of a loss or damage to the insured vehicle which will trigger/give raise to a claim under this policy. ... 2. Claim has to be intimated to the insurance company immediately. ... 2. Any claim which is intimated to the Company after 30 days of the happening of loss or damage.","sources":[{"clause":null,"heading":"Distance at inception or during recharge","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-distance-at-inception-or-during-recharge"},{"clause":"5","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-5"},{"clause":null,"heading":"Definitions:-","page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-definitions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original First Information Report (FIR) filed with the Police Authorities.","Copy of the receipt obtained on payment of fee to the Transport Authority for getting duplicate Registration Certificate","Copy of the Original Registration Certificate.","Original bill for expenses incurred to obtain duplicate key from key maker / manufacturer.","Copy of FIR / Police Report","Death Certificate","Report of the attending Doctor confirming disability","Admit / Discharge card","Investigation reports such as X-rays, Lab test etc"],"display":"FIR/police report, receipts/bills, RC copies, death documents, and disablement medical records as applicable","note":"Documents depend on the add-on and type of claim.","quote":"a) Original First Information Report (FIR) filed with the Police Authorities. ... b) Copy of the receipt obtained on payment of fee to the Transport Authority for getting duplicate Registration Certificate ... c) Copy of the Original Registration Certificate. ... b) Original bill for expenses incurred to obtain duplicate key from key maker / manufacturer. ... Claim Documents required to be submitted by the Insured for Death:\n1. Copy of FIR / Police Report\n2. Copy of Post Mortem Report/Coroner’s report (If post-mortem is conducted)\n3. Copy or Panchanama / Inquest report\n4. Death Certificate\n5. Legal heir certificate\n6. Identity proof of nominee or original succession certificate/Original legal heir certificate Claim Documents required to be submitted by the Insured for Disablement:\n1. Report of the attending Doctor confirming disability\n2. Admit / Discharge card\n3. Investigation reports such as X-rays, Lab test etc","sources":[{"clause":"Row 1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1-a"},{"clause":"Row 1(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1-b"},{"clause":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1-c"},{"clause":"3(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-3-b"},{"clause":null,"heading":"Permanent Total disablement","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-permanent-total-disablement"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any claims where the Insured Vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations.","Any loss/damage caused to the Insured Vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual","Any vehicle which has not been maintained regularly as per manufacturer guidelines and thus is not in roadworthy condition.","The state of intoxication or under the influence of alcohol, drugs, toxins or narcotics not medically prescribed.","Lack of permission or corresponding license for the category of the Insured Vehicle or violation of the sanction of cancellation or withdrawal of them.","Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offence","Any Accident resulting from the illegitimate removal of the Insured Vehicle.","Any vehicle involved in or liable to be involved in legal case prior to or post immobilization.","Those happening while the vehicle lacks documentation or requisites (including the Technical Inspection of the Vehicles and Obligatory Insurance) legally necessary to ply on public roads.","Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials transported in the Insured Vehicle."],"display":"Racing/rallying, illegal use, manufacturer-manual violations, poor maintenance, intoxication, no licence/permission, deliberate damage, illegitimate removal, legal cases, lack of required documents, and carriage of inflammable or toxic materials","note":"Quoted exclusions are from the value added services add-on wording.","quote":"Any claims where the Insured Vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations. ... Any loss/damage caused to the Insured Vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual ... Any vehicle which has not been maintained regularly as per manufacturer guidelines and thus is not in roadworthy condition. ... a) The state of intoxication or under the influence of alcohol, drugs, toxins or narcotics not medically prescribed.\nb) Lack of permission or corresponding license for the category of the Insured Vehicle or violation of the sanction of cancellation or withdrawal of them. ... Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offence ... Any Accident resulting from the illegitimate removal of the Insured Vehicle. ... Any vehicle involved in or liable to be involved in legal case prior to or post immobilization. ... Those happening while the vehicle lacks documentation or requisites (including the Technical Inspection of the Vehicles and Obligatory Insurance) legally necessary to ply on public roads. ... Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials transported in the Insured Vehicle.","sources":[{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-1-3"},{"clause":"2","heading":"Any loss/damage caused to the Insured Vehicle when it is being used/driven against the","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-2-3"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-3-3"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-5-3"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-6-3"},{"clause":"7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-7-2"},{"clause":"9","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-9-2"},{"clause":"10","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-10-2"},{"clause":"11","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-11-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["non-payment of regular Monthly Instalment (MI) to the financier of the vehicle recorded in our books due to an accident involving the insured vehicle","cost of protection, extraction and removal of disabled vehicle by reason of loss or damage covered under Section 1 of the policy","reimburse cost of consumable items actually consumed and utilized for repairing the accidental damages / losses","reimburse the total cost of parts replaced, due to loss or damage to the insured vehicle, without any deduction towards depreciation","loss or damage caused by fire, burglary or accidental external means","wrong type of fuel filled at fuel filling station","damaged due to ingress of water or due to leakage of lubricating oil or coolant due to any accidental means","damaged due to Burst, Cut, and Bulge including labour cost","mechanical or electrical breakdown","breakdown or accident"],"display":"Add-on covers include accident-related instalment/EMI benefits, disabled vehicle removal, consumables, depreciation waiver, personal belongings, wrong fuelling, hydrostatic lock, tyre damage and roadside assistance for breakdown or accident","note":"These are add-on cover events and services, not the base motor package policy perils.","quote":"the insured will be covered for non-payment of regular Monthly Instalment (MI) to the financier of the vehicle recorded in our books due to an accident involving the insured vehicle. ... Insured will be reimbursed cost of protection, extraction and removal of disabled vehicle by reason of loss or damage covered under Section 1 of the policy ... the company hereby undertakes to reimburse cost of consumable items actually consumed and utilized for repairing the accidental damages / losses ... the company will reimburse the total cost of parts replaced, due to loss or damage to the insured vehicle, without any deduction towards depreciation ... The company will reimburse market value of clothes and personal belongings for the loss or damage caused by fire, burglary or accidental external means ... insured will be reimbursed the cost incurred to flush out the wrong type of fuel filled at fuel filling station ... parts damaged due to ingress of water or due to leakage of lubricating oil or coolant due to any accidental means. ... insurance company will reimburse for the replacement of the tyre (s) fitted to the insured vehicle if it is damaged due to Burst, Cut, and Bulge including labour cost. ... In the event of Immobilization of the Insured Vehicle due to mechanical or electrical breakdown ... In the event that the onsite minor repair mentioned under point no. 2 or services mentioned between points 3 to 8 are not possible and the Insured Vehicle is unable to move on its own power due to an accident or breakdown","sources":[{"clause":null,"heading":"PROSPECTUS FOR ADD ON COVERS FOR MOTOR PRIVATE CAR PACKAGE POLICY UIN: IRDAN123RP0001V01200203","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-prospectus-for-add-on-covers-for-motor-private-c-2"},{"clause":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1-c"},{"clause":"3(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-3-b"},{"clause":"3(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-3-e"},{"clause":"5","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-5"},{"clause":"8","heading":null,"page":24,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-8"},{"clause":"Row 2","heading":"On site minor repair","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-row-2"},{"clause":null,"heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-s5"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":"The add-on wording says cancellation is subject to cancellation of the base policy and refund will be as per policy condition, but does not print the refund scale.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"For roadside assistance services, cover is on National Highways, State Highways and motorable roads within mainland India, and all services are within Indian Territory only.","display":"National Highways, State Highways and motorable roads within mainland India; within Indian Territory only","note":"The printed territory is for the roadside assistance/value added services add-on; territory for other add-on indemnity benefits follows the base policy but is not separately printed.","quote":"Covered Area: Covered Area means the area where the services can be provided. The roadside Assistance services is available on National Highways, State Highways and motorable roads within mainland India. ... All the Services are available on National highways, state highways and motorable roads of cities within Indian Territory only.","sources":[{"clause":"7","heading":"Covered Area: Covered Area","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-7"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-6-2"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["1 year OD + 1 year TP","standard motor insurance policy – standalone own damage/bundled/packaged policy"],"display":"1 year OD + 1 year TP; add-on may be extended to standalone own damage/bundled/packaged policy","note":"The prospectus rows mainly show the add-on cover combination as 1 year OD + 1 year TP.","quote":"1 | Monthly Instalment Cover | IRDAN123RP0001V01200203/A0005V01201314 | 1 year OD + 1 year TP ... Policy shall mean standard motor insurance policy – standalone own damage/bundled/packaged policy issued by Us to which this add on cover is extended.","sources":[{"clause":"Row 1","heading":"Monthly Instalment Cover","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1"},{"clause":"15","heading":"Policy","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-15"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"not-stated","value":null,"display":null,"note":"The documents mention 1 year TP in the add-on cover combination, but do not state third-party liability terms, injury/death limits, or property damage limits.","quote":null,"sources":[],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"Under the Reinstatement Value basis add-on, the vehicle and declared accessories are insured on the original invoice value excluding registration charges and road tax; this is treated as Market Value throughout the policy period for TL/CTL claims.","display":"Reinstatement Value basis: original invoice value excluding registration charges and road tax; treated as Market Value for TL/CTL","note":"This is an add-on basis for fixing IDV; the base policy IDV formula is not printed.","quote":"your vehicle and the declared accessories are insured on ‘REINSTATEMENT VALUE BASIS’ which is the original invoice value excluding the registration charges and road tax. ... Reinstatement Value Basis shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-3"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"Waiver of depreciation reimburses the total cost of parts replaced for loss or damage to the insured vehicle without deduction towards depreciation, subject to the stated add-on conditions.","display":"Waiver of depreciation: total cost of parts replaced without any deduction towards depreciation","note":"This is the add-on benefit. The standard base policy depreciation schedule for parts is not printed.","quote":"In consideration of payment of additional premium for this cover, the company will reimburse the total cost of parts replaced, due to loss or damage to the insured vehicle, without any deduction towards depreciation subject to the following terms:","sources":[{"clause":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-row-1-c"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB protection can extend the No Claim Bonus to renewal where not more than one own damage claim occurs in a policy period, and a roadside assistance service claim does not affect NCB.","display":"NCB protection if own damage claims are not more than one; roadside assistance does not affect NCB","note":"The base policy NCB percentage scale is not printed.","quote":"NCB protection is available for the renewal or fresh policy only if the number of Own Damage claim is not more than one in a policy period. ... Insured will continue to avail No Claim Bonus benefit, if claim is registered and settled under this add-on cover and not under the Policy. Any claim under this add-on does not affect the NCB applicable under the Policy.","sources":[{"clause":null,"heading":"PROSPECTUS FOR ADD ON COVERS FOR MOTOR PRIVATE CAR PACKAGE POLICY UIN: IRDAN123RP0001V01200203","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-prospectus-for-add-on-covers-for-motor-private-c-2"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-3-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"Compulsory deductible is not applicable for availing the value added roadside assistance services.","display":"Not applicable for availing these services","note":"Other add-on covers may refer to policy excess, but the base own-damage compulsory deductible amount is not printed.","quote":"`Compulsory deductible’ will not be applicable for availing these services.","sources":[{"clause":"G","heading":"COMPULSORY DEDUCTIBLE","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-g"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"Franchise Benefit gives an OD premium discount for agreeing to a franchise of Rs. 5,000 for each net assessed own damage claim up to that amount; claims above the franchise are subject to policy excess.","display":"Franchise of Rs. 5,000 for each net assessed own damage claim up to this amount","note":"This is the Franchise Benefit add-on. The base policy voluntary excess table is not printed.","quote":"Insured has been offered a discount on Own Damage (OD) premium as mentioned in the schedule for having agreed to a franchise of Rs. 5,000/- (Rupees Five Thousand Only) for each net assessed own damage claim up to this amount. Consequent to this, no own damage claim up to this amount will be entertained. Any Own Damage claim with assessed value in excess of franchise limit will be considered for settlement in full subject to policy excess.","sources":[{"clause":null,"heading":"Cholamandalam MS General Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/5303#c-cholamandalam-ms-general-insurance-company-limit"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The documents describe an add-on Personal Accident Protector for unnamed occupants including insured and/or paid driver, but do not state the compulsory owner-driver PA cover.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Any claims where the Insured Vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations.","Any loss/damage caused to the Insured Vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual","Any vehicle which has not been maintained regularly as per manufacturer guidelines and thus is not in roadworthy condition.","The state of intoxication or under the influence of alcohol, drugs, toxins or narcotics not medically prescribed.","Lack of permission or corresponding license for the category of the Insured Vehicle or violation of the sanction of cancellation or withdrawal of them.","Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offence","Those accidents or breakdowns that are produced when the Insured or the authorized driver have infringed upon the regulatory ordinances as far as the requisites and number of persons transported, weight and means of things and animals that can be transported or the form of handling them as long as the infraction has been the determining cause of the accident or the causal event of the incident.","Those happening while the vehicle lacks documentation or requisites (including the Technical Inspection of the Vehicles and Obligatory Insurance) legally necessary to ply on public roads.","Any animals carried in the Insured Vehicle."],"display":"No racing/rallying, illegal use, use against manufacturer manual, poor maintenance, intoxication, no licence/permission, deliberate damage, overloading/transport-rule breaches, lack of required vehicle documents, or animals carried","note":"Quoted exclusions are from the value added services add-on wording; base motor package policy exclusions are not printed.","quote":"Any claims where the Insured Vehicle is being used for the purpose of racing, rallying, motor-sports, or is not being used/driven in accordance with applicable laws and regulations. ... Any loss/damage caused to the Insured Vehicle when it is being used/driven against the recommendations of the owner’s/manufacturer’s manual ... Any vehicle which has not been maintained regularly as per manufacturer guidelines and thus is not in roadworthy condition. ... a) The state of intoxication or under the influence of alcohol, drugs, toxins or narcotics not medically prescribed.\nb) Lack of permission or corresponding license for the category of the Insured Vehicle or violation of the sanction of cancellation or withdrawal of them. ... Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offence ... Those accidents or breakdowns that are produced when the Insured or the authorized driver have infringed upon the regulatory ordinances as far as the requisites and number of persons transported, weight and means of things and animals that can be transported or the form of handling them as long as the infraction has been the determining cause of the accident or the causal event of the incident. ... Those happening while the vehicle lacks documentation or requisites (including the Technical Inspection of the Vehicles and Obligatory Insurance) legally necessary to ply on public roads. ... Any animals carried in the Insured Vehicle.","sources":[{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-1-3"},{"clause":"2","heading":"Any loss/damage caused to the Insured Vehicle when it is being used/driven against the","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-2-3"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-3-3"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-5-3"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-6-3"},{"clause":"8","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-8-2"},{"clause":"10","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-10-2"},{"clause":"12","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579#c-12-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The add-ons use different bases: Reinstatement Value basis uses original invoice value excluding registration charges and road tax; Vehicle Replacement Advantage uses new replacement cost with applicable taxes and charges; Personal Accident Protector sum insured can be up to Rs.25 lacs per insured person.","display":"Add-on specific: original invoice value, new replacement cost, or up to Rs.25 lacs per insured person","note":"The base policy IDV or sum insured basis is not printed in these add-on documents.","quote":"your vehicle and the declared accessories are insured on ‘REINSTATEMENT VALUE BASIS’ which is the original invoice value excluding the registration charges and road tax. ... the insured vehicle and the declared accessories are insured for the value of new replacement cost with all applicable taxes and charges paid for the insured vehicle on the date of total loss including registration charges incurred for the vehicle, Road Tax and total insurance cost of this policy availed with us and in force on the date of accident. ... Sum insured: upto Rs.25 lacs per insured person (in multiples of 1 lac can be chosen by insured)","sources":[{"clause":"3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-3"},{"clause":"5","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-5"},{"clause":null,"heading":"Permanent Total disablement","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636#c-permanent-total-disablement"}],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PW - Franchise Benefit -Motor Private Car Package Policy withdrawn wef 13-03-2024.pdf","pages":1,"fetched_at":"2026-10-17 19:47:51+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW%20-%20Franchise%20Benefit%20-Motor%20Private%20Car%20Package%20Policy%20withdrawn%20wef%2013-03-2024.pdf/0dc3ce18-0ca0-798c-09bd-348b8c628190","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/5303"},{"kind":"prospectus","label":"PROSPECTUSO FOR ADD ON COVERS FOR MOTOR PRIVATE CAR PACKAGE POLICY.pdf","pages":40,"fetched_at":"2026-10-17 19:34:16+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PROSPECTUSO%20FOR%20ADD%20ON%20COVERS%20FOR%20MOTOR%20PRIVATE%20CAR%20PACKAGE%20POLICY.pdf/c104f2b5-8a22-b552-2387-dbac356e527f","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4636"},{"kind":"rider","label":"IRDAN123RP0001V01200203A0006V02202425 - Chola Value Added Services - Motor Private Car Package Policy - Add-on wording.pdf","pages":10,"fetched_at":"2026-10-17 19:32:41+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RP0001V01200203A0006V02202425%20-%20Chola%20Value%20Added%20Services%20-%20Motor%20Private%20Car%20Package%20Policy%20-%20Add-on%20wording.pdf/c086637f-4c85-615f-d627-481406b2201b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203/document/4579"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Chola Value Added Services - Motor Private Car Package Policy (UIN IRDAN123RP0001V01200203), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-value-added-services-motor-private-car-package-policy-irdan123rp0001v01200203"}