BOB CholaMS Motor Insurance

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BOB CholaMS Motor Insurance

CholaMS Motor Insurance offers wide coverage, fast claims, and cashless garages—protecting your vehicle and third-party liabilities with ease.

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Details for BOB CholaMS Motor Insurance

CholaMS Motor Insurance offers extensive coverage for your vehicle, including third-party liabilities, property damage, and personal injuries—whether to passengers, drivers, or pedestrians. It safeguards against accidental damage, natural disasters like floods or cyclones, fire, and theft of parts or the entire vehicle. With a CPA cover offering up to ₹15 lakhs for accidental death or disability of the vehicle’s registered owner, it ensures financial protection during unforeseen events. Enjoy the benefit of cashless garage services, No Claim Bonus, and valuable add-ons like Personal Accident and Personal Damage Covers. It’s a smart, all-round insurance solution for responsible vehicle owners.

Policy Exclusion

  • Only claims arising out of accidents are payable for the first 30 days of inception of the Policy
  • 90 days, 1, 2 and 3 Years waiting period for specific diseases
  • Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers
  • Vitamins, Tonics Drug/alcohol abuse, Self-Inflicted Injury
  • Non-prescription Drug, Home visit charges
  • Dental treatment (unless arising out of accident and requiring hospitalisation) and Out Patient Department treatment (OPD treatment)

Additional Benefits

  • Creation of Liabilities(called generically as Third Party Cover)
  • Injuries/ death of persons outside or inside a vehicle. This could be the owner, passengers, driver, pedestrians, etc.
  • Damage to property of others - also called as Third Party Property Damage
  • Partial damage to the vehicle itself. This may arise due to accidental external means, riot, strike, malicious act, fire, flood, cyclone, etc.
  • Theft of parts or theft of the vehicle itself.
  • Total loss/damage of the vehicle.
  • The CPA cover offers compensation up to Rs.15 lakhs for Accidental Death/Disability of the registered Owner of the Insured Vehicle whilst driving or alighting into/out of the Vehicle.
  • The registered Owner should hold an effective driving license.

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