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Cholamandalam MS General Insurance Company Limited offers motor insurance, health insurance, travel insurance, and home insurance plans along with insurance-related solutions. With three types of car insurance policies, it can provide you with a very smooth and hassle-free claim settlement process. Additionally, the Cholamandalam MS Motor Insurance claim settlement ratio, 96%, can support the fact that their claim settlements are prompt and fair.

 

Moreover, Cholamandalam MS Motor Insurance for Private Cars offers you 5 ways in which you can file a car insurance claim. You can choose to initiate your car insurance claim process through any of the methods listed below.

 

  • Website: www.cholainsurance.com

  • Toll-free number: 1800-208-5544

  • Chatbot: Joshu (www.cholainsurance.com)

  • Offline: File a claim directly at a network garage

  • App: Chola MS

How to File a Cashless Claim Under Cholamandalam MS Motor Insurance for Private Cars

A cashless claim can give you the ability to enjoy car repairs and replacement services at network garages. Staying true to its name, a cashless claim doesn’t require you to shell out any cash to pay for the garage bills. The expenses are settled between the garage and the insurer up to the maximum coverage amount offered.

 

If you are interested in filing a cashless claim with Cholamandalam MS Motor Insurance, you can follow the steps given below to initiate the car insurance claim process.

 

  • Step 1: Give a brief to the Cholamandalam MS General Insurance Co. Ltd. about your wish to file a claim

  • Step 2: Explain the incident/accident to them in detail, with complete candidness and honesty

  • Step 3: Log into the website to file the claim online

  • Step 4: Accommodate the insurance surveyor into your schedule to assess the damage

  • Step 5: Submit all documents asked of you after the survey is complete

  • Step 6: Deliver your car to the nearest network garage for repairs

 

Now, you can let the insurer handle the rest. However, if you have opted for voluntary deductibles, or if the repair expenses have exceeded the maximum coverage limit, you might have to lighten your pockets a little to make up for the deficit.

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How to File a Reimbursement Claim Under Cholamandalam MS Motor Insurance for Private Cars

In the case of reimbursement claims, the money you spent on repairing or replacing the damaged parts of your car is returned to you. The amount is reimbursed by the car insurance company up to the maximum coverage limit.

 

If you’d like to file a reimbursement claim, here’s how you can do so.

 

  • Step 1: Forewarn the insurer about your intention to claim

  • Step 2: Initiate the car insurance claim process through your preferred online or offline means

  • Step 3: Allow the surveyor sent by Chola MS Motor Insurance to properly assess the damage

  • Step 4: Get your car towed to a garage of your choice

  • Step 5: Commence the repair and replacement process

  • Step 6: Request the garage to provide you with original receipts/invoices

  • Step 7: Submit those receipts, along with other essential documents, to the insurer

 

After this, the claim settlement process should be underway. If you have volunteered to cover certain deductibles from the expenses incurred, the insurer and you can split the bill accordingly. Otherwise, the insurer will reimburse the expenses up to the maximum coverage amount.

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Documents Required for Claim Settlement

Here are the documents that you could be asked for during the car insurance claim process of your Cholamandalam MS car insurance.

 

  • A signed and duly filled claim form

  • Registration Certificate (copy)

  • FIR copy (in case of an unfortunate demise, injury, or theft)

  • Hospital bills (in case of hospitalisation)

  • Driver’s licence (copy)

  • Insurance policy documents (copies)

  • Estimate papers or bills for repairs/replacements (original), etc.

Reasons for Claim Rejection Under Cholamandalam MS Motor Insurance for Private Cars

Many often assume that an active car insurance policy translates to a guarantee of getting claims approved blindly. However, that is not the case. Once you send in a claim request, Cholamandalam MS General Insurance Co. Ltd. analyses the claim carefully before approving it. They have the complete right to reject your claim as well.

 

While this is done at their discretion, here could be a few reasons why your claim request could face rejection.

 

  • Driving under the influence of drugs or alcohol

  • Loss due to nuclear activity

  • Loss due to radioactivity

  • Wear and tear maintenance costs

  • Damages caused due to negligence

  • Driving without a licence

  • War/riot damages

  • Mechanical failure

  • Electrical malfunctions

  • Claiming an exclusion

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How to Avoid a Rejection of Your Cholamandalam MS Motor Insurance for Private Cars

Should you file a claim and find that your request was rejected, you might feel crestfallen. Thus, it is crucial that you practise every measure that helps you avoid this situation entirely. Keeping that in mind, here are a few precautions that can help you avoid claim rejection.

 

  • If you have a second-hand car, ensure that you request the previous owner to transfer the insurance ownership to you within one month of sale/purchase

  • Ensure that the documents, certificates, and information that you submit for your claim are true and valid

  • In case of theft or a third-party accident where injuries or an accidental demise has occurred, do not forget to get an FIR lodged

  • Do not drive with an invalid licence or without a licence

  • Any act of negligence can cause you to lose your right to file a claim, and hence, stay vigilant and disciplined on-the-road

  • Offer the most honest and candid details in the claim form and do not miss out on any detail when explaining the incident to the insurer

Disclaimer

Cholamandalam MS General Insurance Company Limited (A Joint Venture between Murugappa Group & Mitsui Sumitomo Insurance Company Ltd., Japan)

 

Regd. Office: Dare House, No.2, II Floor, N.S.C Bose Road, Parrys, Chennai, TN - 600 001. India. Trade logo displayed above belongs to “CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED’ and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license.

 

Toll-free No. Motor Insurance: 1800 208 5544, Health & Other Insurance: 1800 208 9100, SMS: ‘CHOLA’ to 56677, Whatsapp: 7305234433 |www.cholainsurance.com.

 

For more details on risk factors, terms, conditions and exclusion please read sales brochure carefully before concluding a sale.

 

Bajaj Finserv Direct Limited is a registered corporate agent of Cholamandalam MS General Insurance Company Ltd. For Bajaj Finserv Direct Limited, IRDAI Registration Number CA0551.  

Frequently Asked Questions About Cholamandalam MS Motor Insurance for Private Cars

What is the Cholamandalam motor insurance claim ratio?

The Chola MS motor insurance claim settlement ratio is 96%. 

How can I check my Cholamandalam MS Motor Insurance claim status?

You can check your claim status on the Cholamandalam MS Car Insurance website (https://customerclaims.cholainsurance.com/). Their customer care services are also open to offering you information regarding your claim status (1800-208-5544). You can also send an SMS to them to track your claim (SMS ‘CHOLA’ to 56677). 

How can I file a Cholamandalam MS Motor Insurance claim?

Through your Cholamandalam MS Car Insurance plan, you can file a cashless or reimbursement claim. Here are the five ways in which you can initiate the car insurance claim process.

  • Claim intimation toll-free number: 1800-208-5544

  • Website: www.cholainsurance.com

  • App: Chola MS

  • Chatbot: Joshu

  • Offline: File a claim directly at a network garage

I own a valid driver’s licence, but I didn’t have it with me when the accident occurred. Will my claim be rejected?

It is very important for you to have a valid driver’s licence with you at all times. Moreover, this stands true in case of claims as well. If you were in an accident without a valid licence with you, any claims associated with that incident could be rejected. However, this depends entirely upon the insurance company. 

How is the Cholamandalam motor insurance claim ratio calculated?

You can use a formula to calculate the Cholamandalam motor insurance claim settlement ratio or any insurance company’s CSR.

 

CSR = (total number of claims settled in a particular year / total number of claims filed in that year) x 100

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