Chola MS Liability Only Policy

• Cover for third party liability
• Personal accident cover for owner cum driver
• Optional covers to customize policy coverage
• 24/7 assistance for accidents & emergencies
• Instant online purchase and renewal
• Cashless claims at over 3750 network garages
• Hassle free claim settlement process

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of an amount as specified under the policy schedule is payable towards personal accident cover during any one period of insurance.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Personal Accident Cover: Personal accident cover to named/unnamed passengers, paid driver and cleaner is available, upto the limit as specified under the policy schedule.
• Legal Liability to Employee/Paid Driver: Legal liability to employees of the insured and paid driver/conductor/cleaner who may be travelling or driving the insured vehicle, is payable.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.