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Cholamandalam MS Standalone Own-Damage Car Insurance Policy

The standalone own-damage car insurance policy provides a layer of protection to the insured car and policyholders against uncertainties of the road. Cholamandalam MS General Insurance offers standalone own-damage insurance which is not mandatory to hold but it is quite beneficial as it covers a wide variety of situations such as accident, theft, fire, explosion, burglary, man-made disasters like riots, vandalism, etc., and natural calamities like earthquakes, floods, landslides, etc. Owning this plan while driving provides a sense of security to policyholders at the time of crisis.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


Cholamandalam MS Third Party car Insurance

Cholamandalam MS Standalone Own-Damage Car Insurance

Cholamandalam MS Comprehensive Car Insurance


Cholamandalam MS third party car insurance provides compensation if your insured car accidentally injures a third party person resulting in bodily injuries, disability, death, and property damage.

Cholamandalam MS standalone own-damage car insurance gives coverage for only own damage expenses only arising out of an accident or mishap. It also provides NCB benefits for every claim-free year.

Cholamandalam MS comprehensive car insurance tends to cover both own-damage expenses and third party liabilities. In addition to this, this policy also offers an optional personal accident cover.


Cholamandalam MS third party insurance does not provide any add-on cover.

Cholamandalam MS standalone own-damage car insurance offers various add-on covers to expand the coverage.

Cholamandalam MS comprehensive car insurance gives a variety of add-on covers to enhance the coverage.


Cholamandalam MS third party car insurance is the most affordable policy due to its limited coverage to cover only the third party.

Cholamandalam MS standalone own damage car insurance costlier than the third party insurance as it provides extended coverage.

Cholamandalam MS comprehensive car insurance policy is the costliest plan as it covers third party and own damage expenses.

What Is Covered Under Cholamandalam MS Standalone Own-Damage Policy?

Cholamandalam MS standalone own-damage car insurance covers the given below aspects:

  • Damage caused to the insured car due to an accident.
  • Damage beyond repair or in cases of theft of the car.
  • Damage incurred by your car due to fire or explosion.
  • Damage or loss sustained by the car during transportation.
  • Damage occurred due to a natural disaster or man-made calamity.

What Is Not Covered Under Cholamandalam MS Standalone Own-Damage Policy?

Cholamandalam MS standalone own-damage car insurance does not cover the following aspects:

  • Depreciation value due to wear and tear of the car.
  • Damages due to war, invasion, terror attacks, and so on.
  • Breakdown of the car due to a mechanical or electrical fault.
  • Theft or loss due to negligence like forgetting to lock the car
  • Accidental damage that occurs outside the geographical location.

Benefits of Cholamandalam MS Standalone Own-Damage Policy

Cholamandalam MS’s standalone own-damage car insurance comes with the following benefits:

  • Provides financial assistance in case of an accident or a mishap that damages the car.
  • Several add-on covers are offered with the standalone own-damage car insurance.
  • No Claim Bonus benefit for every claim-free year is provided with the insurance plan.
  • Special discounts will be offered with the policy to reduce the insurance policy premium.
  • You can make multiple car insurance claims for your damages until the IDV is exhausted.

How To Purchase Cholamandalam MS Standalone Own-Damage Policy?

Cholamandalam MS standalone own-damage car insurance can be bought by following the below steps:

Step 1: Visit the website InsuranceDekho and click on the ‘Car’ tab.

Step 2: Enter the registration number of your car. You can also enter other details like the car’s make, model and year of registration, etc. if you do not have the registration number.

Step 3: Fill up your personal details such as name, phone number, etc., and click on the ‘Submit and Get Quotes’ to move further.

Step 4: Various policy quotes for standalone own-damage car insurance plans offered by different insurance companies will be displayed on the screen. Select Cholamandalam MS Policy from those plans along with an add-on cover, if you like to buy them to extend your policy coverage.

Step 5: Make payment for the Cholamandalam MS standalone own-damage car insurance policy. Once the payment is completed, the car insurance policy document will be sent directly to your registered email ID.

Must Read Articles before buying Cholamandalam Car Insurance

Cholamandalam Car Insurance User Reviews

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  • Sensible Choice for Legal Prot...

    Third-party car insurance from InsuranceDekho is a sensible choice for legal protection. The Chola MS Car Insurance Policy ensures that I comply with the law while keeping my expenses in check for my Skoda car.

    By Samisha Boudh
    On: November 8, 2023
  • Economical Premiums

    I found that the premiums for the zero-depreciation Chola MS Car Insurance Policy from InsuranceDekho are economical, making it a valuable investment for my MG car.

    By Dheraj Mangla
    On: November 7, 2023
  • Ease of Use

    The premium calculator from InsuranceDekho is incredibly easy to use. It's designed with the customer in mind, making it accessible to all. With its help, I could purchase the Chola MS Car Insurance Policy for my Renault car.

    By Neel Pawani
    On: October 18, 2023
  • Comprehensive Protection

    Opting for zero-depreciation claim for the Chola MS Car Insurance Policy with InsuranceDekho provides me with comprehensive protection, ensuring that my investment in my Maruti car is safeguarded.

    By Sakshi Chand
    On: October 16, 2023
  • Responsive Customer Support fo...

    I recently bought the Chola MS Car Insurance Policy for my Maruti car. And I must say that the customer support team at InsuranceDekho is responsive and ready to assist with any issues related to cashless garage repairs.

    By Kenisha Saraf
    On: October 11, 2023
  • A Trustworthy Partner

    In summary, InsuranceDekho has proven to be a trustworthy partner when it comes to claim the Chola MS Car Insurance Policy for my Honda car. Their efficient and transparent claims process ensures that you're well taken care of during stressful times.

    By Nikita Sethi
    On: October 3, 2023
  • Customized Premiums

    I appreciated InsuranceDekho's premium calculator for allowing me to customize my coverage for the Chola MS Car Insurance Policy to match my needs and budget for my Mercedes-Benz. It's a flexible tool that caters to individual preferences.

    By Vikram Thakur
    On: September 27, 2023
  • Peace of Mind with Zero Dep In...

    I opted for a Zero Dep Chola MS Car Insurance Policy through InsuranceDekho, and it's been a game-changer. With this policy, I don't have to worry about the depreciation of car parts during a claim. It's like having a safety net for my Ford car. Highly recommended for car owners who want complete peace of mind.

    By Priyal Randhawa
    On: September 25, 2023
  • Prompt Settlement at Cashless ...

    I recently had my Audi car repaired at one of InsuranceDekho's cashless garages, and the settlement process of the Chola MS Car Insurance Policy was incredibly prompt. I was back on the road in no time.

    By Pihu Balani
    On: September 20, 2023
  • Comprehensive Coverage for a W...

    InsuranceDekho's comprehensive coverage protects my Nissan car against a wide range of risks, from accidents to natural disasters. The Chola MS Car Insurance Policy is a reliable safety net.

    By Mili Dhingra
    On: September 15, 2023
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