{"uin":"IRDAN123RPMT0002V02201920","name":"Chola Standaone Own Damage Policy for Private Car","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920","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-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a standalone own damage policy for private cars that covers loss or damage to the insured vehicle and accessories from listed perils such as fire, theft, riot, earthquake, flood, accidental external means, transit and landslide. Third party liability is excluded, IDV is the sum insured, and optional owner-driver personal accident cover is for Rs. 15 lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:54:17.928198+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":"No named plan variants are printed in the supplied base policy wording or CIS.","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":"not-stated","value":null,"display":null,"note":"The policy defines the period of insurance by reference to the policy schedule, but the actual term is not printed in these clauses.","quote":null,"sources":[],"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":"Notice must be given in writing to the Company immediately upon any accidental loss or damage, and theft or criminal acts must also be reported immediately to the police.","display":"Immediately in writing to the Company; immediate police notice for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-conditions"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Initial survey is within 24 hours from claim intimation, survey report is to be obtained within 15 days of allocation, and claim approval or rejection is within 7 days from receipt of the survey report with all relevant claim documents.","display":"Initial survey within 24 hours from intimation; survey report within 15 days of allocation; approval / rejection within 7 days from receipt of survey report with all relevant claim documents","note":null,"quote":"Initial Survey | Within 24 hours from the time of intimation of claim to Chola MS ... Obtaining Survey report by Chola MS | Within 15 days of allocation ... Approval /Rejection of Claim after receiving first/addendum survey report | With 7 days from the date of receipt of Survey Report with all relevant claim documents.","sources":[{"clause":null,"heading":"TAT (Turnaround time for settlement of claim)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-tat-turnaround-time-for-settlement-of-claim"}],"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":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle Insured is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","loss or damage suffered while the driver is under the influence of intoxicating liquor or drugs","loss or damage caused sustained or incurred outside the geographical area","any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or in charge of a person other than a Driver as stated in the Driver’s Clause","vehicle not being registered permanently","minor scratches, paint fading, wear and tear arising out of normal use","nuclear fuel, nuclear waste or nuclear weapons material","war, invasion, hostilities, civil war, mutiny rebellion, military or usurped power"],"display":"Main exclusions include wear and tear/breakdown, tyres-only damage, accessories theft unless vehicle stolen, intoxication, outside geographical area, contractual liability, wrong use, unauthorised driver, non-permanent registration, minor scratches/paint fading, nuclear risks and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) damage to tyres and tubes unless the vehicle Insured is damaged at the same time ... c) Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... I. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\nII. any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ (or) ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause IV. ... a) Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. ... b) Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered. ... arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS (APPLICABLE TO ALL THE SECTIONS)","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-general-exceptions-applicable-to-all-the-section"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a-4"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-4"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a-5"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-5"}],"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 send the grievance to the Manager, Grievance Cell by post or email, call the toll-free number, or approach the grievance cell at a company branch. If not satisfied, contact the grievance officer at GRO@cholams.murugappa.com before approaching the Insurance Ombudsman.","display":"First: Manager, Grievance Cell / company grievance cell; then GRO@cholams.murugappa.com; then Insurance Ombudsman if still not satisfied","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:\nCourier/Post : Manager, Grievance Cell, Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry's Corner, Chennai - 600 001. E-Mail : customercare@cholams.murugappa.com ... 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. ... If You are still not satisfied with the redressal of grievance through above methods, You may also approach the office of Insurance Ombudsman","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-1-our-grievance-redressal-officer"},{"clause":null,"heading":"2. Insurance Ombudsman","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-2-insurance-ombudsman"}],"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":["by fire explosion self-ignition or lightning","by burglary housebreaking or theft","by riot and strike","by earthquake (fire and shock damage)","by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","by accidental external means","by malicious act","by terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","by landslide rockslide"],"display":"Fire, explosion, self-ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood, storm and allied perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon\n• by fire explosion self-ignition or lightning;\n• by burglary housebreaking or theft;\n• by riot and strike;\n• by earthquake (fire and shock damage)\n• by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\n• by accidental external means;\n• by malicious act;\n• by terrorist activity;\n• whilst in transit by road rail inland-waterway lift elevator or air;\n• by landslide rockslide.","sources":[{"clause":null,"heading":"Chola Standalone Own Damage Policy for Private Car UIN - IRDAN123RPMT0002V02201920","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-chola-standalone-own-damage-policy-for-private-c"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time by informing the Company. If there has been no claim, the Company refunds proportionate premium for the unexpired policy year, and refunds entirely for remaining full policy years where risk coverage has not commenced.","display":"Proportionate premium for the unexpired policy year if no claim; full refund for remaining full policy years where risk has not commenced","note":null,"quote":"The policy may be cancelled at any time by the insured for any reason by informing the Company. ... Refund proportionate premium for unexpired policy year in which cancellation happens, provided there is no claim (s) made during the policy period. For the remaining full policy years where the risk coverage has not commenced, premium will be refunded entirely.","sources":[{"clause":"5(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-6"},{"clause":"5(b)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-i"}],"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":"not-stated","value":null,"display":null,"note":"The base policy excludes loss outside the geographical area and has an endorsement for extending geographical area, but the base geographical area itself is not printed in the supplied clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone Own damage cover"],"display":"Standalone own damage","note":null,"quote":"This is a standalone Own damage cover which offers insurance coverage to Private Cars mentioned in the Policy Schedule","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-s1"}],"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":"Third Party liability as per the Motor Vehicle Act is excluded from the scope of cover.","display":"Excluded from this standalone own-damage policy","note":null,"quote":"Third Party liability as per Motor Vehicle stands excluded from the scope of cover.","sources":[{"clause":null,"heading":"Chola Standalone Own Damage Policy for Private Car UIN - IRDAN123RPMT0002V02201920","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-chola-standalone-own-damage-policy-for-private-c"}],"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":"The IDV is deemed to be the sum insured, fixed at the commencement of each policy period based on the manufacturer's listed selling price for the vehicle and accessories, adjusted for depreciation. It is treated as Market Value throughout the policy period for total loss or constructive total loss, and the vehicle is CTL if retrieval and/or repair costs exceed 75% of IDV.","display":"IDV is the sum insured; based on manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL; CTL if repair/retrieval exceeds 75% of IDV","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy ... fixed on the basis of the manufacturer’s listed selling price of the brand and model ... adjusted for depreciation ... IDV 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. ... The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED -INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No Claim Bonus can be earned only in the own damage section. The discount on own damage premium is 20%, 25%, 35%, 45% or 50% after one to five consecutive claim-free years, and NCB is allowed only if renewed within 90 days of expiry.","display":"20% to 50% own-damage premium discount for claim-free years; renewal within 90 days","note":null,"quote":"No Claim Bonus (NCB) can be earned only in the Own Damage section of the Policy. ... No claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50% ... No Claim Bonus will only be allowed provided the Policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":null,"heading":"NO CLAIM BONUS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-no-claim-bonus"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The policy says the deductible is stated in the schedule and the compulsory deductible endorsement uses a blank amount, so the fixed rupee amount is not printed in these clauses.","quote":null,"sources":[],"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":"A voluntary deductible is available if the insured opts for it; the insured then bears the stated first amount for each event, including total loss or constructive total loss.","display":"Available if opted; insured bears the first Rs......... for each event","note":"The actual voluntary deductible amount is not printed in these clauses; it is to be inserted based on the amount opted.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs..........* a reduction in premium of Rs........** under section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total\nloss) the first Rs.........***","sources":[{"clause":null,"heading":"IMT.22. COMPULSORY DEDUCTIBLE (Applicable to Private Cars)","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-imt-22-compulsory-deductible-applicable-to-priva"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Optional compulsory personal accident cover for the owner-driver pays compensation for death or specified permanent disablement caused by violent accidental external and visible means, with total liability not exceeding Rs. 15 lakhs for a private car policy during any one period of insurance. It applies only if the owner-driver is the registered owner, is the insured named in the policy, and holds an effective driving licence.","display":"Optional owner-driver PA cover up to Rs. 15 lakhs; 100% for death/PTD, 50% for loss of one limb or one eye","note":null,"quote":"OPTIONAL COVER - COMPULSORY PERSONAL ACCIDENT COVER FOR OWNER-DRIVER ... Nature of injury | Scale of compensation\n(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs for private car policy during anyone period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the insured named in this policy. ... c) the owner-driver holds an effective driving license","sources":[{"clause":null,"heading":"OPTIONAL COVER - COMPULSORY PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-optional-cover-compulsory-personal-accident-cove"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a-3"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-3"},{"clause":"5(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-c-3"}],"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":"quote-verified","value":["Chola Advanced Value Added Services","Emergency Medical Expenses Add On Cover"],"display":"Chola Advanced Value Added Services; Emergency Medical Expenses Add On Cover","note":"These are separate add-on covers; base policy fields are not answered from rider benefits.","quote":"ADD ON COVER - CHOLA ADVANCED VALUE ADDED SERVICES FOR CHOLA STANDALONE OWN DAMAGE POLICY FOR PRIVATE CAR UIN IRDAN123RPMT0002V02201920/A0154V01202526 ... EMERGENCY MEDICAL EXPENSES ADD ON COVER FOR CHOLA STANDALONE OWN DAMAGE POLICY FOR PRIVATE CAR UIN - IRDAN123RPMT0002V02201920/A0158V01202526","sources":[{"clause":null,"heading":"ADD ON COVER - CHOLA ADVANCED VALUE ADDED SERVICES FOR CHOLA STANDALONE OWN DAMAGE POLICY FOR PRIVATE CAR UIN IRDAN123RPMT0002V02201920/A0154V01202526","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4600#c-add-on-cover-chola-advanced-value-added-services"},{"clause":null,"heading":"EMERGENCY MEDICAL EXPENSES ADD ON COVER FOR CHOLA STANDALONE OWN DAMAGE POLICY FOR PRIVATE CAR UIN - IRDAN123RPMT0002V02201920/A0158V01202526","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4651#c-emergency-medical-expenses-add-on-cover-for-chol"}],"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":["driver under the influence of intoxicating liquor or drugs","being used otherwise than in accordance with the ‘Limitations as to Use’","person other than a Driver as stated in the Driver’s Clause","vehicle not being registered permanently","Commercial purpose","does not hold an effective driving license","mechanical or electrical breakdown, failures or breakages","wear and tear","accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No cover for intoxication, use outside limitations, unauthorised/no valid driver, no permanent registration, commercial use, breakdown/wear and tear, outside geographical area and war risks","note":null,"quote":"d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ (or) ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause IV. ... a) Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. ... c) If the vehicle insured is used for Commercial purpose ... d) If the insured /driver / user does not hold an effective driving license at the time of the accident and is disqualified from holding or obtaining such a license. ... mechanical or electrical breakdown, failures or breakages; ... wear and tear ... I. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-d"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a-4"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-4"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a-5"},{"clause":"8(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-8-c-2"},{"clause":"8(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520#c-8-d"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-a"},{"clause":null,"heading":"GENERAL EXCEPTIONS (APPLICABLE TO ALL THE SECTIONS)","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-general-exceptions-applicable-to-all-the-section"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-5-b-5"}],"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 sum insured basis is Insured's Declared Value (IDV), fixed at commencement of each policy period from the manufacturer's listed selling price adjusted for depreciation. IDV is treated as Market Value for Total Loss and Constructive Total Loss claims during the policy period.","display":"IDV, based on manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the Vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV 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":null,"heading":"SUM INSURED -INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"IRDAN123RPMT0002V02201920 - Chola Standalone Own Damage Policy for Private Car - Main Product.pdf","pages":23,"fetched_at":"2026-10-17 19:31:11+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0002V02201920%20-%20Chola%20Standalone%20Own%20Damage%20Policy%20for%20Private%20Car%20-%20Main%20Product.pdf/8c6da6a0-8404-4bf0-39a0-9813cb768fec","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4530"},{"kind":"prospectus","label":"IRDAN123RPMT0002V02201920A0158V01202526 - Emergency Medical Expenses - Chola Standalone Own Damage Policy for Pvt Car - Prospectus.pdf","pages":2,"fetched_at":"2026-10-17 19:31:31+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0002V02201920A0158V01202526%20-%20Emergency%20Medical%20Expenses%20-%20Chola%20Standalone%20Own%20Damage%20Policy%20for%20Pvt%20Car%20-%20Prospectus.pdf/bc08ce74-05a1-255b-c2fa-34692d9ad8b9","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4543"},{"kind":"cis","label":"IRDAN123RPMT0002V02201920 - Chola Standaone Own Damage Policy for Private Car - CIS.pdf","pages":6,"fetched_at":"2026-10-17 19:30:48+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0002V02201920%20-%20Chola%20Standaone%20Own%20Damage%20Policy%20for%20Private%20Car%20-%20CIS.pdf/e7b3e31d-b442-0f6a-8817-796e9bf79cb7","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4520"},{"kind":"rider","label":"IRDAN123RPMT0002V02201920A0154V01202526 - Chola Advanced Value Added Services - Pvt Car SA OD up to 2 years.pdf","pages":17,"fetched_at":"2026-10-17 19:33:24+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0002V02201920A0154V01202526%20-%20Chola%20Advanced%20Value%20Added%20Services%20-%20Pvt%20Car%20SA%20OD%20up%20to%202%20years.pdf/6efa84f0-5885-ffea-7c4e-5ab0315c14bc","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4600"},{"kind":"rider","label":"IRDAN123RPMT0002V02201920A0158V01202526 - Emergency Medical Expenses - Chola Standalone Own Damage Policy for Pvt Car - Addon Wordings.pdf","pages":3,"fetched_at":"2026-10-17 19:34:43+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0002V02201920A0158V01202526%20-%20Emergency%20Medical%20Expenses%20-%20Chola%20Standalone%20Own%20Damage%20Policy%20for%20Pvt%20Car%20-%20Addon%20Wordings.pdf/6f06d8b4-ab47-c2b8-a22d-1789a269452c","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920/document/4651"}],"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 Standaone Own Damage Policy for Private Car (UIN IRDAN123RPMT0002V02201920), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-standaone-own-damage-policy-for-private-car-irdan123rpmt0002v02201920"}