{"uin":"IRDAN123RPMT0030V02202425","name":"Chola long term Private Car Package Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425","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 comprehensive long-term private car package policy covering own damage and third-party liability for 2/3 years, with CPA available for 1/2/3 years. Own-damage cover uses IDV as the sum insured and the product offers add-ons such as waiver of depreciation, consumables, tyre protect, roadside assistance and emergency medical expenses.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:54:22.423484+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":"The documents describe cover sections and add-on covers, but do not state named plan variants within the base product.","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":"Own damage and third-party sections are offered for 2/3 years. Compulsory personal accident cover is for 1/2/3 years.","display":"OD: 2/3 years; TP: 2/3 years; CPA: 1/2/3 years","note":null,"quote":"Section I – OD | 2/3 years | Section II – TP | 2/3 years | Section III – CPA 1/2/3 years","sources":[{"clause":"7","heading":"What is the period of Insurance under the policy?","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4693#c-7"}],"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":"Written notice must be given to the company immediately upon any accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately on accidental loss or damage; theft/criminal act also to police immediately","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 and thereafter the insured shall give all such information and assistance as the Company shall require. ... 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 and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#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":"quote-verified","value":["Claim Form detailing the damage of the insured vehicle","Driving license","Fitness","FIR","Un traced report","Fire brigade report","Post Mortem Report","Repair / replacement bill","Any other documents directly related to claim settlement","Accident details including the names of the injured person if applicable","FIR, Police Panchanama, Police charge sheet","MLC/AR (Medico Legal certificate / Accident Register)","MVI (Motor Vehicle Inspection Report)","Permit/Route Permit"],"display":"Claim form, driving licence, fitness, FIR/police papers, untraced/fire brigade/post-mortem reports, repair bills, accident details and other claim documents","note":"The first list is for OD claims; the police, MLC/AR, MVI and permit/route permit items are listed for TP claims.","quote":"1. Claim Form detailing the damage of the insured vehicle ... 2. Driving license ... 3. Fitness ... 4. FIR ... 5. Un traced report ... 6. Fire brigade report ... 7. Post Mortem Report ... 8. Repair / replacement bill ... 9. Any other documents directly related to claim settlement ... 10. Accident details including the names of the injured person if applicable ... 4. FIR, Police Panchanama, Police charge sheet ... 6. MLC/AR (Medico Legal certificate / Accident Register) ... 7. MVI (Motor Vehicle Inspection Report) ... 9. Permit/Route Permit","sources":[{"clause":null,"heading":"Details of OD Claims procedure (Processing)","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-details-of-od-claims-procedure-processing"},{"clause":null,"heading":"Claim can be also be intimated to us by","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-claim-can-be-also-be-intimated-to-us-by"}],"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. Chola MS obtains the survey report within 15 days of allocation, and approval or rejection is within 7 days from receipt of the survey report with all relevant claim documents.","display":"Initial survey within 24 hours; survey report within 15 days of allocation; approval/rejection within 7 days from survey report and 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 With 7 days from the date of receipt of Survey Approval /Rejection of Claim With 7 days from the date of receipt of Survey Approval /Rejection of Claim With 7 days from the date of receipt of Survey after receiving first/addendum Report with all relevant claim documents.","sources":[{"clause":null,"heading":"TAT (Turnaround time for settlement of claim)","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#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","under the influence of intoxicating liquor or drugs","outside the geographical area","contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","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","vehicle not being registered permanently","minor scratches to the vehicle, paint fading, wear and tear arising out of normal use","ionizing radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/mechanical breakdown, tyre-only damage, accessory theft unless vehicle stolen, intoxication, outside area, contractual liability, misuse, unlicensed driver, unregistered vehicle, minor scratches, nuclear/radioactivity 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. ... 1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... 2. any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ ... 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. ... c) Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. ... d) 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. ... ionizing radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to/by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-general-exceptions"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-a-2"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-b-2"},{"clause":"4(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-c-2"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-d"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-5-3"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-6"}],"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 complain to the Grievance Redressal Officer or grievance cell by post, email, branch or toll-free number. If not satisfied, contact the grievance officer at GRO@cholams.murugappa.com, then the Insurance Ombudsman.","display":"First: Manager, Grievance Cell / customercare@cholams.murugappa.com / 1800 208 5544; then GRO@cholams.murugappa.com; then Insurance Ombudsman","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: ... Courier/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":"Documentation to be submitted by claimant:-","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-documentation-to-be-submitted-by-claimant"},{"clause":null,"heading":"2. Insurance Ombudsman","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#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":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot/strike, earthquake, storm/flood perils, accidental external means, malicious act, terrorism, transit, landslide/rockslide","note":null,"quote":"I. by fire explosion self-ignition or lightning;\nII. by burglary housebreaking or theft;\nIII. by riot and strike;\nIV. by earthquake (fire and shock damage)\nV. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nVI. by accidental external means;\nVII. by malicious act;\nVIII. by terrorist activity;\nIX. whilst in transit by road rail inland-waterway lift elevator or air;\nX. by landslide rockslide.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-1"}],"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 no claim has been made, the company refunds proportionate premium for the unexpired policy year and refunds entirely the remaining full policy years where risk coverage has not commenced.","display":"Proportionate refund for unexpired policy year if no claim; full refund for remaining full policy years not yet commenced","note":null,"quote":"The policy may be cancelled at any time by the insured for any reason by informing the Company. ... Refund Refund proportionate premium for unexpired policy periodyear 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":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-6-b"}],"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 cover is available only in India. On payment of additional premium it can be extended to Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka and Maldives by endorsement.","display":"India only; optional extension to Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka and Maldives","note":"The policy wording refers to the geographical area; this explicit territory statement is from the prospectus.","quote":"The cover is available for any loss or damage of vehicle insured happening only in India. However, on payment of additional premium the policy can be extended to cover the following Countries by way of Endorsements:\na) Bangladesh b) Bhutan c) Nepal d) Pakistan e) Sri Lanka f) Maldives","sources":[{"clause":"6","heading":"Is the cover available on worldwide basis?","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4693#c-6"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["comprehensive policy"],"display":"Comprehensive policy covering Third Party liability and Own Damage","note":null,"quote":"This is a comprehensive policy which covers both ‘Third Party liability (Act Only Cover)’ and ‘Own Damage Cover’ for up to 3 years.","sources":[{"clause":"3","heading":"What is the coverage under Chola long term Private Car package policy?","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4693#c-3"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value is the sum insured, fixed at the commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation. For TL/CTL claims, IDV is treated as market value throughout the policy period without further depreciation, and CTL applies if retrieval and/or repair cost exceeds 75% of IDV.","display":"IDV is the sum insured; 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 and it will be fixed at the commencement of each policy period for the insured vehicle. ... 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-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#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-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#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":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries, 30% for fibre glass components, nil for glass, and age-based for other and wooden parts from nil up to 50%. Painting depreciation is 50% on material cost, and if the bill is consolidated the material component is considered 25% of total painting charges.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries, 30% fibre glass, nil glass, age-based 0% to 50% for other parts; painting 50% on material cost","note":"Waiver of Depreciation is an optional add-on and is not included in this base depreciation answer.","quote":"1. For all rubber/nylon/plastic parts, tyres, tubes and batteries | - | 50%\n2. For fibre glass components | - | 30%\n3. For all parts made of glass | - | Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 year but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-5"}],"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 on the Own Damage section. At entry to the long-term policy, the discount on own-damage premium is 20% after one claim-free year, 25% after two, 35% after three, 45% after four and 50% after five consecutive claim-free years; it is allowed only if renewed within 90 days of expiry.","display":"Own-damage NCB: 20%, 25%, 35%, 45%, 50%; renewal within 90 days","note":"Long-term renewal NCB after 2 or 3 years depends on NCB at inception and number of own-damage claims filed during the policy tenure.","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 this policy.","sources":[{"clause":null,"heading":"NO CLAIM BONUS","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-no-claim-bonus"},{"clause":null,"heading":"No Claim Bonus at entry of Long Term Policy","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-no-claim-bonus-at-entry-of-long-term-policy"},{"clause":null,"heading":"UIN IRDAN123RPMT0030V02202425","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-uin-irdan123rpmt0030v02202425-10"}],"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 wording says the deductible is stated in the policy schedule and the IMT endorsement has blanks for the rupee amount; the fixed amount is not printed in the provided documents.","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 optional. If opted, the insured gets a premium reduction and bears the first aggregate amount under Section 1 for each event, including total loss or constructive total loss.","display":"Optional voluntary deductible; first aggregate amount under Section 1 for each event if opted","note":"The actual voluntary deductible amount is not printed in the wording and is to be inserted when the endorsement is used.","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 loss) the first Rs.........***","sources":[{"clause":null,"heading":"UIN IRDAN123RPMT0030V02202425","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-uin-irdan123rpmt0030v02202425-19"}],"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":"Compulsory personal accident cover for the owner-driver pays compensation for accidental bodily injury or death connected with the insured vehicle. The aggregate liability is up to Rs. 15 lakhs during any one period of insurance, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Owner-driver CPA up to Rs. 15 lakhs; 100% for death/PTD, 50% for one limb/one eye","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the ownerdriver of the vehicle ... 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 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":"Section III","heading":"COMPULSORY PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-section-iii"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-a"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-b"},{"clause":"4(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-c"}],"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":["Waiver of Depreciation","Consumables Plus","Hydrostatic Lock Plus Cover","Vehicle Replacement Advantage Cover","Tyre Protect","Rim Protect","Loss of Key Cover","Conveyance Allowance","Personal belongings [Inside the vehicle]","Loss of Laptop and Mobile phone","EMI Cover","Battery Protect","Pay As You Use","Pay How You Drive","Chola Value Added Services","Chola Advanced Value Added Services","Emergency Medical Expenses"],"display":"Waiver of depreciation, consumables, hydrostatic lock, vehicle replacement, tyre, rim, key, conveyance, personal belongings, laptop/mobile, EMI, battery, pay-as-you-use, pay-how-you-drive, value-added services and emergency medical expenses add-ons","note":"These are add-on covers and are available on payment of additional premium where applicable; they are not treated as part of the base cover.","quote":"Waiver of Depreciation - IRDAN123RPMT0030V02202425/A0031V02202425 ... Consumables Plus - IRDAN123RPMT0030V02202425/A0032V02202425 ... Hydrostatic Lock Plus Cover – IRDAN123RPMT0030V02202425/A0033V02202425 ... Vehicle Replacement Advantage Cover IRDAN123RPMT0030V02202425/A0034V02202425 ... Tyre Protect - IRDAN123RPMT0030V02202425/A0035V02202425 ... Rim Protect - IRDAN123RPMT0030V02202425/A0036V02202425 ... Loss of Key Cover IRDAN123RPMT0030V02202425/A0037V02202425 ... Conveyance Allowance - IRDAN123RPMT0030V02202425/A0038V02202425 ... Personal belongings [Inside the vehicle] - IRDAN123RPMT0030V02202425/A0039V02202425 ... Loss of Laptop and Mobile phone - IRDAN123RPMT0030V02202425/A0040V02202425 ... EMI Cover - IRDAN123RPMT0030V02202425/A0041V02202425 ... Battery Protect IRDAN123RPMT0030V02202425/A0042V02202425 ... Pay As You Use - IRDAN123RPMT0030V02202425/A0043V02202425 ... Pay How You Drive - IRDAN123RPMT0030V02202425/A0048V02202425 ... Chola Value Added Services - IRDAN123RPMT0030V02202425/A0052V02202425 ... ADD ON COVER - CHOLA ADVANCED VALUE ADDED SERVICES FOR CHOLA LONG TERM PRIVATE CAR PACKAGE POLICY UIN IRDAN123RPMT0030V02202425/A0153V01202526 ... EMERGENCY MEDICAL EXPENSES ADD ON COVER FOR CHOLA LONG TERM PRIVATE CAR PACKAGE POLICY UIN - IRDAN123RPMT0030V02202425/A0157V01202526","sources":[{"clause":null,"heading":"Waiver of Depreciation - IRDAN123RPMT0030V02202425/A0031V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4603#c-waiver-of-depreciation-irdan123rpmt0030v02202425"},{"clause":null,"heading":"Consumables Plus - IRDAN123RPMT0030V02202425/A0032V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4607#c-consumables-plus-irdan123rpmt0030v02202425-a0032"},{"clause":null,"heading":"Hydrostatic Lock Plus Cover – IRDAN123RPMT0030V02202425/A0033V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4609#c-hydrostatic-lock-plus-cover-irdan123rpmt0030v022"},{"clause":null,"heading":"Vehicle Replacement Advantage Cover IRDAN123RPMT0030V02202425/A0034V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4612#c-vehicle-replacement-advantage-cover-irdan123rpmt"},{"clause":null,"heading":"Tyre Protect - IRDAN123RPMT0030V02202425/A0035V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4615#c-tyre-protect-irdan123rpmt0030v02202425-a0035v022"},{"clause":null,"heading":"Rim Protect - IRDAN123RPMT0030V02202425/A0036V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4617#c-rim-protect-irdan123rpmt0030v02202425-a0036v0220"},{"clause":null,"heading":"Loss of Key Cover IRDAN123RPMT0030V02202425/A0037V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4620#c-loss-of-key-cover-irdan123rpmt0030v02202425-a003"},{"clause":null,"heading":"Conveyance Allowance - IRDAN123RPMT0030V02202425/A0038V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4623#c-conveyance-allowance-irdan123rpmt0030v02202425-a"},{"clause":null,"heading":"ADD ON COVERS POLICY WORDING CHOLA LONG TERM PRIVATE CAR PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4626#c-add-on-covers-policy-wording-chola-long-term-pri"},{"clause":null,"heading":"Loss of Laptop and Mobile phone - IRDAN123RPMT0030V02202425/A0040V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4630#c-loss-of-laptop-and-mobile-phone-irdan123rpmt0030"},{"clause":null,"heading":"EMI Cover - IRDAN123RPMT0030V02202425/A0041V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4634#c-emi-cover-irdan123rpmt0030v02202425-a0041v022024"},{"clause":null,"heading":"Battery Protect IRDAN123RPMT0030V02202425/A0042V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4635#c-battery-protect-irdan123rpmt0030v02202425-a0042v"},{"clause":null,"heading":"Pay As You Use - IRDAN123RPMT0030V02202425/A0043V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4638#c-pay-as-you-use-irdan123rpmt0030v02202425-a0043v0"},{"clause":null,"heading":"Pay How You Drive - IRDAN123RPMT0030V02202425/A0048V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4641#c-pay-how-you-drive-irdan123rpmt0030v02202425-a004"},{"clause":null,"heading":"Chola Value Added Services - IRDAN123RPMT0030V02202425/A0052V02202425","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4645#c-chola-value-added-services-irdan123rpmt0030v0220"},{"clause":null,"heading":"ADD ON COVER - CHOLA ADVANCED VALUE ADDED SERVICES FOR CHOLA LONG TERM PRIVATE CAR PACKAGE POLICY UIN IRDAN123RPMT0030V02202425/A0153V01202526","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4592#c-add-on-cover-chola-advanced-value-added-services"},{"clause":null,"heading":"EMERGENCY MEDICAL EXPENSES ADD ON COVER FOR CHOLA LONG TERM PRIVATE CAR PACKAGE POLICY UIN - IRDAN123RPMT0030V02202425/A0157V01202526","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4654#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":["outside the geographical area","being used otherwise than in accordance with the ‘Limitations as to Use’","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","vehicle not being registered permanently","minor scratches to the vehicle, paint fading, wear and tear arising out of normal use","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","under the influence of intoxicating liquor or drugs","does not have a valid driving license or is under the influence of Alcohol or Drug","used for Commercial purpose","vehicle is driven before the necessary repairs are effected","Mechanical failure / Wear & Tear / Rusted / Corrosions / accumulated / multiple scratches & damages / cosmetic loss / damages"],"display":"Outside area, misuse, no valid driver/licence, unregistered vehicle, minor scratches and normal wear, mechanical/electrical breakdown, tyre-only damage, intoxication, commercial use, driving before repairs and cosmetic/mechanical failures","note":null,"quote":"1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ ... 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. ... c) Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. ... d) 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. ... 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 ... 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. ... No Sum shall be payable by an Insurer in case a person driving the vehicle does not have a valid driving license or is under the influence of Alcohol or Drug. ... c) If the vehicle insured is used for Commercial purpose ... e) If the vehicle is driven before the necessary repairs are effected. ... Mechanical failure / Wear & Tear / Rusted / Corrosions / accumulated / multiple scratches & damages / cosmetic loss / damages.","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-general-exceptions"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-a-2"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-b-2"},{"clause":"4(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-c-2"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-4-d"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-5"},{"clause":"6(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-6-i"},{"clause":"10(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-10-c-2"},{"clause":"10(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-10-e"},{"clause":"10(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4518#c-10-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 sum insured basis is the Insured’s Declared Value (IDV). IDV is fixed at policy commencement from the manufacturer’s listed selling price of the brand and model, adjusted for depreciation, and is treated as market value for total loss and constructive total loss claims.","display":"IDV basis, 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 ... 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-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#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-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"IRDAN123RPMT0030V02202425-Chola LT Private Car Package Policy-Main Product.pdf","pages":28,"fetched_at":"2026-10-17 19:31:02+00","source_url":"https://www.cholainsurance.com/documents/20121/o/IRDAN123RPMT0030V02202425-Chola%20LT%20Private%20Car%20Package%20Policy-Main%20Product.pdf/07442fd8-cf34-e804-6e9f-6fa7de100b30","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425/document/4526"},{"kind":"prospectus","label":"IRDAN123RPMT0030V02202425A0157V01202526 - 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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 long term Private Car Package Policy (UIN IRDAN123RPMT0030V02202425), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-long-term-private-car-package-policy-irdan123rpmt0030v02202425"}