{"uin":"IRDAN123RP0001V01202324","name":"Chola Motor Warranty Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324","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":"Chola Motor Warranty Insurance covers repair or replacement of specified vehicle aggregate components for breakdown or failure resulting from manufacturing defects. The policy is for one year and ends earlier on utilization of 15,000 Kilometers, with limits of liability based on cubic capacity and no add-on covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:54:05.975817+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":"The policy is issued for one year and terminates earlier on utilization of 15,000 Kilometers or at the expiry date specified in the Policy Schedule.","display":"One year, ending earlier on utilization of 15,000 Kilometers or schedule expiry","note":null,"quote":"The policy will be issued for a period of one year and will commence from policy start date and hour as specified in Schedule of the policy and will terminate either on utilization of 15,000 Kilometers or at midnight on the expiry date as specified in the Policy Schedule whichever is earlier.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4576#c-s7"}],"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":"The insured must immediately and in any event within 14 days give written notice of any incident that may give rise to a claim, to the schedule address or by calling the call centre.","display":"Immediately and in any event within 14 days","note":null,"quote":"The Insured should immediately and in any event within 14 days give written notice of any incident that may give raise to claim under the policy to the address shown in the Policy Schedule or Call our Call Centre @ 1800 208 5544.","sources":[{"clause":"16","heading":"Duties and obligations of insured after occurrence of loss","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-16"}],"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":["written statement","Completed claim form detailing the damage or failure that had occurred","supporting documents (estimates, repair bills)","particulars of other insurances covering the same risk","information, assistance, records and documentation that they might reasonably require"],"display":"Written statement, completed claim form, estimates and repair bills, particulars of other insurances, and other reasonably required information, assistance, records and documentation","note":"The written statement, completed claim form and supporting documents must be delivered within 28 days from the date of the incident.","quote":"A written statement of claim will be required and a claim form will be provided.\n2. The written statement, Completed claim form detailing the damage or failure that had occurred, supporting documents (estimates, repair bills) alongwith particulars of other insurances covering the same risk must be delivered to us within 28 days from the date of such incident.\n3. The Insured should expeditiously provide the Insurer and its representatives and appointees with all the information, assistance, records and documentation that they might reasonably require","sources":[{"clause":"16","heading":"Duties and obligations of insured after occurrence of loss","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-16"}],"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":"quote-verified","value":"If the claim is admissible, the insurer will make an offer of settlement or convey rejection within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report, if required. If the claim is admitted, proceeds are paid within 7(seven) days of the insured person's acceptance of the offer.","display":"Offer or rejection within 30(thirty) days of all relevant documents and assessment report; payment within 7(seven) days of acceptance","note":null,"quote":"In the event of a claim, if the same is found admissible under the policy, we will make an offer of settlement or convey the rejection of the claim within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, claim proceeds shall be paid within 7(seven) days of your / Insured person’s acceptance of our offer.","sources":[{"clause":"18","heading":"Protection of Policy Holder’s Interest","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-18"}],"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":["The compulsory deductibles as mentioned below in respect of each and every claim under the policy.","Any Breakdown occurring outside Geographic Limits specified in the Schedule of the Policy.","Any Breakdown of parts unless specified in the list attached to the Policy.","Normal maintenance service required on the insured vehicle","Any loss where the speedometer has been tampered, altered or disconnected.","Repairs, replacements or alterations not authorised by the Company","Any vehicle used for competitions, racing, pace-making, rallies, off road use or by a Driving School or used for purpose other than what it was designed for.","Legal liability for death or bodily injury or for damage to property of any Third Party.","Consequential loss of any kind.","Any Breakdown occurring which is due in whole or in part to any type of accident or any act or omission which is willful, unlawful or negligent.","Any Breakdown to a component or components which are either subject to recall by the vehicle’s manufacturer or can be considered as having inherent design faults.","Any Breakdown caused by corrosion, frost or lack of anti-freeze/coolants, lubricants or hydraulic fluids or overheating.","Any breakdown arising out of any external cause","A defect which is likely to have existed prior to the commencement of this Policy.","Wear and tear commensurate with the age and mileage of the Vehicle"],"display":"Compulsory deductibles, outside geographic limits, unlisted parts, normal maintenance, tampered speedometer, unauthorised repairs or modifications, racing or wrong use, third-party legal liability, consequential loss, accident or negligent breakdown, recall or design faults, corrosion or lack of fluids, external causes, pre-existing defects, and wear and tear","note":null,"quote":"1. The compulsory deductibles as mentioned below in respect of each and every claim under the policy. ... 2. Any Breakdown occurring outside Geographic Limits specified in the Schedule of the Policy.\n3. Any Breakdown of parts unless specified in the list attached to the Policy.\n4. Normal maintenance service required on the insured vehicle ... 5. Any loss where the speedometer has been tampered, altered or disconnected.\n6. Repairs, replacements or alterations not authorised by the Company ... 7. Any vehicle used for competitions, racing, pace-making, rallies, off road use or by a Driving School or used for purpose other than what it was designed for.\n8. Legal liability for death or bodily injury or for damage to property of any Third Party.\n9. Consequential loss of any kind. ... 11. Any Breakdown occurring which is due in whole or in part to any type of accident or any act or omission which is willful, unlawful or negligent.\n12. Any Breakdown to a component or components which are either subject to recall by the vehicle’s manufacturer or can be considered as having inherent design faults.\n13. Any Breakdown caused by corrosion, frost or lack of anti-freeze/coolants, lubricants or hydraulic fluids or overheating.\n14. Any breakdown arising out of any external cause ... a) A defect which is likely to have existed prior to the commencement of this Policy. ... b) Wear and tear commensurate with the age and mileage of the Vehicle","sources":[{"clause":null,"heading":"14.Wear and tear","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-14-wear-and-tear"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-d"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-a-2"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-b-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":"quote-verified","value":"First address the grievance in writing by post or email to the insurer's Grievance Redressal Officer, call the toll free number, email customer care, or approach the grievance cell at a branch. If not satisfied through those methods, contact the grievance officer at GRO@cholams.murugappa.com before escalating further.","display":"Write or email the Grievance Redressal Officer, call 1800 208 5544, email customercare@cholams.murugappa.com, or approach a branch grievance cell","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address or call our Toll Free @1800 208 5544 or email to customercare@cholams.murugappa.com ... You may also approach the grievance cell at any of the company’s branches with the details of grievance. If You are not satisfied with the redressal of grievance through one of the above methods, You may contact the grievance officer at GRO@cholams.murugappa.com.","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-1-our-grievance-redressal-officer"}],"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":["repair or replacement of the Components of the listed Aggregate(s), forming part of the Insured vehicle, caused by a Breakdown or Failure resulting from manufacturing defects","Engine","Gear Box or Transmission system","Differential assembly","Engine Management system"],"display":"Repair or replacement of listed aggregate components caused by Breakdown or Failure resulting from manufacturing defects: Engine, Gear Box or Transmission system, Differential assembly and Engine Management system","note":null,"quote":"The Company will indemnify the Insured for the repair or replacement of the Components of the listed Aggregate(s), forming part of the Insured vehicle, caused by a Breakdown or Failure resulting from manufacturing defects during the Policy period. ... Aggregate(s) refers to the parts of the insured vehicle listed in the policy and that are the Engine, Gear Box or Transmission system, Differential assembly, Engine Management system.","sources":[{"clause":null,"heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-coverage"},{"clause":null,"heading":"1.Aggregate(s)","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-1-aggregate-s"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"If the insured cancels, the insurer refunds premium after retaining premium on a short-period basis, subject to no claim under the policy. There is no refund if the insured has utilized 15000 kilometers on the cancellation date.","display":"Short-period refund if no claim; no refund if 15000 kilometers have been utilized","note":"Another wording says: 'The policy may be cancelled at any time by the insured for any reason by informing the Company.' and 'the Company will refund proportionate premium for unexpired policy period, provided there is no claim (s)'.","quote":"The Policy may be cancelled by the Insured in which case the Company will refund the premium to the Insured after retaining premium on a short-period basis as below subject to No claim under the policy. There will be no refund of premium if the insured had utilized 15000 kilometers on the date of cancellation of policy. ... The policy may be cancelled at any time by the insured for any reason by informing the Company. ... the Company will refund proportionate premium for unexpired policy period, provided there is no claim (s)","sources":[{"clause":null,"heading":"Cancellation by Insured","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4517#c-cancellation-by-insured"},{"clause":"8","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-8"}],"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":"The policy covers insured events arising during the Policy Period within India, and payment is within India in Indian Rupees only.","display":"Within India; payment within India in Indian Rupees only","note":null,"quote":"This Policy covers insured events arising during the Policy Period within India. The Company’s liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":"12","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-12"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-applicable","value":null,"display":null,"note":"This is a motor warranty policy for breakdown or failure of specified components, not a standard motor comprehensive, standalone own-damage or third-party policy.","quote":null,"sources":[],"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":"quote-verified","value":"No. Legal liability for death or bodily injury or for damage to property of any Third Party is excluded.","display":"No; third-party legal liability is excluded","note":"The quoted item appears under 'The Company shall not be liable to make any payment in respect of'.","quote":"Legal liability for death or bodily injury or for damage to property of any Third Party.","sources":[{"clause":null,"heading":"14.Wear and tear","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-14-wear-and-tear"}],"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":"not-applicable","value":null,"display":null,"note":"This warranty policy covers component breakdown or failure and does not insure theft or total loss on an IDV basis.","quote":null,"sources":[],"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":"Depreciation on parts is not applicable for repair, reinstatement or replacement of defective vehicle components.","display":"Depreciation on parts will not be applicable","note":null,"quote":"Where the defective component of the Insured Vehicle can reasonably be repaired or reinstated at a cost less than the replacement cost, the Company will indemnify the Insured in respect of the expenses necessarily incurred to restore the Insured Vehicle to its state immediately prior to the happening of the insured event. Depreciation on parts will not be applicable. ... If the defective vehicle components requires to be replaced, the Company will indemnify the insured in respect of the expenses necessarily incurred for replacement of vehicle’s components. Depreciation will not be applicable.","sources":[{"clause":"17","heading":"Basis of Claim Settlement","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-17"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":"The CIS mentions NCB under the policy, but does not state a no-claim bonus discount scale or percentage.","quote":null,"sources":[],"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":"Private cars: Rs.1000 for not exceeding 1500 CC and Rs.2000 for exceeding 1500 CC. Commercial cars: Rs.500 for all cubic capacity.","display":"Private cars: Rs.1000 up to 1500 CC, Rs.2000 above 1500 CC; commercial cars: Rs.500 all cubic capacity","note":null,"quote":"The compulsory deductibles as mentioned below in respect of each and every claim under the policy.\nPrivate Cars | Commercial Cars\nNot exceeding 1500 CC | Rs.1000 | All Cubic capacity | Rs.500\nExceeding 1500 CC | Rs.2000","sources":[{"clause":null,"heading":"14.Wear and tear","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-14-wear-and-tear"}],"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":"not-stated","value":null,"display":null,"note":"The documents state compulsory deductibles, but do not state any voluntary deductible chosen for a lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-applicable","value":null,"display":null,"note":"This is a motor warranty policy for specified component breakdowns, not a standard motor policy providing compulsory personal accident cover for an owner-driver.","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":"The wording refers to OEM workshop/authorised repairs, but does not state cashless repairs at network garages.","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 Breakdown occurring outside Geographic Limits specified in the Schedule of the Policy.","Any Breakdown of parts unless specified in the list attached to the Policy.","Normal maintenance service required on the insured vehicle","Any loss where the speedometer has been tampered, altered or disconnected.","Repairs, replacements or alterations not authorised by the Company","Any vehicle used for competitions, racing, pace-making, rallies, off road use or by a Driving School or used for purpose other than what it was designed for.","Legal liability for death or bodily injury or for damage to property of any Third Party.","Any Breakdown occurring which is due in whole or in part to any type of accident or any act or omission which is willful, unlawful or negligent.","Any Breakdown caused by corrosion, frost or lack of anti-freeze/coolants, lubricants or hydraulic fluids or overheating.","Any breakdown arising out of any external cause","A defect which is likely to have existed prior to the commencement of this Policy.","Wear and tear commensurate with the age and mileage of the Vehicle","Damage in respect of those vehicles which has not been regularly serviced in accordance with OEM’s instructions.","Any claims for repair/replacement of parts covered under the Manufacturer’s Warranty Period.","Theft of vehicle/Equipments and/or parts or accessories."],"display":"Outside geographic limits, unlisted parts, normal maintenance, tampered speedometer, unauthorised repairs or modifications, racing or wrong use, third-party liability, accident or negligent breakdown, corrosion or lack of fluids, external causes, pre-existing defect, wear and tear, irregular servicing, manufacturer warranty claims, and theft","note":null,"quote":"2. Any Breakdown occurring outside Geographic Limits specified in the Schedule of the Policy.\n3. Any Breakdown of parts unless specified in the list attached to the Policy.\n4. Normal maintenance service required on the insured vehicle ... 5. Any loss where the speedometer has been tampered, altered or disconnected.\n6. Repairs, replacements or alterations not authorised by the Company ... 7. Any vehicle used for competitions, racing, pace-making, rallies, off road use or by a Driving School or used for purpose other than what it was designed for.\n8. Legal liability for death or bodily injury or for damage to property of any Third Party. ... 11. Any Breakdown occurring which is due in whole or in part to any type of accident or any act or omission which is willful, unlawful or negligent.\n12. Any Breakdown to a component or components which are either subject to recall by the vehicle’s manufacturer or can be considered as having inherent design faults.\n13. Any Breakdown caused by corrosion, frost or lack of anti-freeze/coolants, lubricants or hydraulic fluids or overheating.\n14. Any breakdown arising out of any external cause ... a) A defect which is likely to have existed prior to the commencement of this Policy. ... b) Wear and tear commensurate with the age and mileage of the Vehicle ... 17. Damage in respect of those vehicles which has not been regularly serviced in accordance with OEM’s instructions. ... 24. Any claims for repair/replacement of parts covered under the Manufacturer’s Warranty Period. ... 27. Theft of vehicle/Equipments and/or parts or accessories.","sources":[{"clause":null,"heading":"14.Wear and tear","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-14-wear-and-tear"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-d"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-a-2"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-b-2"},{"clause":"4(f)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-4-f"}],"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 limit of liability is the amount stated in the policy schedule per claim and as the maximum liability during the policy period. The table bases the maximum limit on cubic capacity: Upto 1000 CC ₹ 3,00,000, exceeding 1000 CC but not exceeding 1500 CC ₹ 5,00,000, and exceeding 1500 CC ₹ 10,00,000.","display":"Cubic capacity basis: Upto 1000 CC ₹ 3,00,000; exceeding 1000 CC but not exceeding 1500 CC ₹ 5,00,000; exceeding 1500 CC ₹ 10,00,000","note":null,"quote":"Limit of liability means the amount as stated in the policy schedule per claim and maximum liability of the Company during the policy period.\nCubic capacity of the insured vehicle | Maximum limit of liability per Claim and\npolicy period\nUpto 1000 CC | ₹ 3,00,000\nExceeding 1000 CC but not exceeding 1500 CC | ₹ 5,00,000\nExceeding 1500 CC | ₹ 10,00,000","sources":[{"clause":null,"heading":"13.Limit of liability","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639#c-13-limit-of-liability"}],"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":"Chola Motor Warranty Insurance (Policy Wording) - IRDAN123RP0001V01202324.pdf","pages":15,"fetched_at":"2026-10-17 19:30:37+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Motor%20Warranty%20Insurance%20%20(Policy%20Wording)%20-%20IRDAN123RP0001V01202324.pdf/b49ac445-94fd-456a-72af-3d6f4d00fcbe","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4517"},{"kind":"wording","label":"29 Policy wording-Chola Motor Warranty Insurance.pdf","pages":14,"fetched_at":"2026-10-17 19:34:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/29%20Policy%20wording-Chola%20Motor%20Warranty%20Insurance.pdf/73cd5802-5d01-33cc-3577-d40aea8afdd5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4639"},{"kind":"cis","label":"CIS-Chola Motor Warranty Insurance.pdf","pages":3,"fetched_at":"2026-10-17 19:32:35+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20Motor%20Warranty%20Insurance.pdf/698eed48-f70a-bbe9-d394-348c09c78811","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324/document/4576"}],"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 Motor Warranty Insurance (UIN IRDAN123RP0001V01202324), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-motor-warranty-insurance-irdan123rp0001v01202324"}