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Cholamandalam MS General Insurance Company Ltd (Chola MS) is an Indian insurance firm and a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group (MSIG), a Japanese assurance company. The company's motto is 'T3- Trust, Transparency, and Technology'. Chola MS was named the best insurance company in India for "In time Claims Settlement for the year 2011 - 12" in the Rashtriya Swasthya Bima Yojana (RSBY) scheme run by the Ministry of Labour & Employment, Government of India. Motor Insurance is a mandatory document that you have to carry when you are driving. A vehicle provides you ease to travel around, however, with this comfort, it also comes with several risks that make it necessary to have an insurance. Vehicle insurance provides you the financial back up against the damaged or stolen vehicle. It also provides the third party liability coverage. It is one way to get whole coverage and freedom to drive safely.
Motor insurance is basically a policy that a person should buy to have a cover on the physical assets like car & motorbikes which are meant for personal use and Commercial vehicles also. The benefit of having a motor insurance policy is that you will be ready to face any kind of damage. Moreover, as per the law of Indian Motor Vehicle Act, it is mandatory to have a motor insurance policy. Without a valid motor insurance, it is completely illegal to drive on roads of India.
Whenever you plan to have a motor insurance policy, then you may first understand your needs of having the same. There are several forms of motor insurance available in India. To get the best one you should first understand your need and then search accordingly. Select a plan that offers wide coverage at affordable rates and you can easily get that through Cholamandalam Ms. Insurance company.
Car Insurance: After home, car is the most valuable item of a person. A single damage can cause more financial pain to you and the repairing charges of the same can be high. So with the help of an effective car insurance policy, you will be able o get the repairing work done easily. Effective motor insurance will provide coverage against damage to your car, its theft and much more. Cholamandalam is offering effective car insurance plans at affordable prices, so you can easily get the desired one.
Two-wheeler Insurance: Having a liability policy, is mandatory in India whether you own a car or a two-wheeler that you use for personal use. It will provide all coverage that you may get under a car insurance plan.
Commercial Vehicle Insurance: Commercial vehicle which is mainly used for business purpose are also liable for special motor insurance cover. Commercial vehicles such as bus, taxi, and other vehicles that public use to travel require adequate motor insurance. With a commercial vehicle insurance, you may get wider cover and be ready to face different situations easily.
a) Vehicle registration details
b) Chassis number
c) Year of manufacture
d) Fitness certificate only in case of commercial vehicle issued by the local authority While you are comparing insurance policies online you must keep your required documents ready. If you are here for renewal, then you must have the old policy. At the time of renewal you must be eligible to a different type of discounts such as no-claim bonus and much more.
Any loss happening due to an accident that takes place because of
1) Driver under the influence of drugs or alcohol
2) When the vehicle is used for illegal purposes or purposes as defined by your policy
3) When the driver is not using a valid driving license. In India person under the age group 18 years or above are eligible
It ensures that your vehicle stays safe and secure against any unfortunate mishap and your expenses are completely covered in the wake of any such incidents. It offers you 24*7 assistance and cashless facility.
It is designed in a way that will provide complete protection for your vehicles so that you can steer ahead into a secure future.
It is the type of motor insurance that will provide coverage for commercial vehicles.