Insurance

CholaMS Motor Insurance

Car insurance by Chola MS offered by Bank of Baroda covers loss/damage to vehicle, injuries/death outside/inside vehicle and much more. Know everything on this motor insurance policy here!

Policy typeMotor insurance InsurerCholamandalam MS General Insurance Company Limited

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeMotor insuranceView source

Manually classified from the insurer/product identity published on the official Bank of Baroda page.

Source: CholaMS Motor Insurance
Page / section: Product title and current official product page
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

InsurerCholamandalam MS General Insurance Company LimitedView source

Manually classified from the insurer/product identity published on the official Bank of Baroda page.

Source: CholaMS Motor Insurance
Page / section: Product title and current official product page
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

CholaMS motor scopeCholaMS motor insurance covers private cars, two-wheelers, commercial goods and passenger vehicles, taxis, tractors, trailers, ambulances and other special classes, with own-damage and third-party liability options.View source

The official lists vehicle classes and the mandatory third-party cover structure.

Source: CholaMS Motor Insurance
Page / section: Features /
Accessed: 23 Aug 2026
Confidence: high

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Motor risks coveredThe policy covers third-party injury, death and property damage, and own-vehicle damage from accidental external means, riot, strike, malicious act, fire, flood and cyclone. A two-wheeler does not require a spot survey; where applicable, spot survey is completed within six hours.View source

The official Features section publishes covered risks and survey handling.

Source: CholaMS Motor Insurance
Page / section: Features
Accessed: 23 Aug 2026
Confidence: high

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Motor policy benefitsThe FAQ lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.View source

The official enumerates the product benefits and service features.

Source: CholaMS Motor Insurance
Page / section
Accessed: 23 Aug 2026
Confidence: high

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Owner-driver accident coverCompulsory personal-accident cover compensates up to ₹15 lakh for accidental death or disability of the registered owner-driver while driving or getting into or out of the insured vehicle, provided the owner holds an effective driving licence.View source

The Bank of Baroda page states that cover offers compensation up to Rs.15 lakhs for accidental death or disability of the registered owner while driving or alighting into or out of the vehicle, with an effective driving licence.

Source: CholaMS Motor Insurance — Bank of Baroda
Page / section: Compulsory Personal Accident cover for Owner-driver
Accessed: 28 Aug 2026
Confidence: high

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Eligible vehicles and owner-driver conditionThe page describes cover for private cars, two-wheelers, commercial goods and passenger vehicles, taxis, tractors, trailers, ambulances and other special vehicle classes. The compulsory owner-driver personal-accident cover requires the registered owner to hold an effective driving licence.View source

The official page lists the vehicle classes that can be insured and says the registered owner must hold an effective driving licence for the owner-driver cover.

Source: CholaMS Motor Insurance — Bank of Baroda
Page / section: Scope of Cover; Compulsory Personal Accident cover for Owner-driver
Accessed: 29 Aug 2026
Confidence: high

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Acceptance documentsThe acceptance checklist names a proposal form, valuation report where applicable, renewal notice copy for renewals, break-in inspection report when there is a break or no past insurance, and RC book or invoice copy where applicable.View source

The page's acceptance section lists the proposal, valuation, renewal, break-in inspection and registration/invoice documents.

Source: CholaMS Motor Insurance — Bank of Baroda
Page / section: Key requirements for acceptance
Accessed: 29 Aug 2026
Confidence: high

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Claim notification and survey processClaims are first intimated to CholaMS with the policy number, driver, incident, location and damage details. The page says a two-wheeler does not need a spot survey; where a spot survey applies, it is expected within six hours, followed by estimate review, final survey and reinspection where required.View source

The current page describes claim intimation, the two-wheeler spot-survey exception and the six-hour spot-survey timeline where applicable.

Source: CholaMS Motor Insurance — Bank of Baroda
Page / section: Claims Procedure and
Accessed: 29 Aug 2026
Confidence: high

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Policy termMotor insurance policies are annual policies renewed after twelve months; with approval of the competent authority, the policy period may be longer or shorter than twelve months.View source

The states that all motor insurance policies are annual and renewed after twelve months, while the policy period may be varied with approval of the valid authority.

Source: CholaMS Motor Insurance
Page / section: — How long is motor insurance valid?
Accessed: 29 Aug 2026
Confidence: high

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Key exclusionsFor third-party cover, claims are subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs. Own-damage and add-on exclusions remain subject to the selected policy wording and schedule.View source

The official describes third-party cover as subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs; the selected policy wording governs other exclusions.

Source: Chola MS Motor Insurance
Page / section: Motor Insurance — Third-Party Policy
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Key coverageThe FAQ lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.View source

The manually reviewed product benefits state: “The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.”.

Source: CholaMS Motor Insurance — official product page
Page / section: Published coverage and benefits
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsThe FAQ lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.View source

The manually reviewed product record states: “The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.”.

Source: CholaMS Motor Insurance — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.

Eligibility

The page describes cover for private cars, two-wheelers, commercial goods and passenger vehicles, taxis, tractors, trailers, ambulances and other special vehicle classes. The compulsory owner-driver personal-accident cover requires the registered owner to hold an effective driving licence.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

proposal form
valuation report where applicable
renewal notice copy for renewal
break-in inspection report where applicable
RC book or invoice copy where applicable

Try the numbers

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableArea

Third-party liability · Published detailInjury or death of persons and property damage to others

This value is copied from CholaMS Motor Insurance — cover and acceptance points. Check the table notes before relying on it.

Source: CholaMS Motor Insurance — Bank of Baroda · Features, owner-driver and key requirements Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsCholaMS Motor Insurance — cover and acceptance pointsStructured transcription of the official page's scope, owner-driver condition and acceptance checklist.View tableHide table

Scroll sideways to view every column

CholaMS Motor Insurance — cover and acceptance points
Area	Published detail
Third-party liability	Injury or death of persons and property damage to others
Own-vehicle damage	Accidental external means, riot, strike, malicious act, fire, flood and cyclone
Theft / total loss	Theft of parts or vehicle and total loss/damage are listed
Owner-driver	Up to ₹15 lakh for accidental death/disability while driving or getting into/out of the insured vehicle; effective driving licence required
Vehicle classes	Private cars, two-wheelers, commercial goods/passenger vehicles, taxis, tractors, trailers, ambulances and other special classes
Acceptance documents	Proposal form; valuation report where applicable; renewal notice for renewal; break-in inspection where applicable; RC book/invoice where applicable

The page does not publish a complete policy wording, premium schedule, universal policy period, waiting period or exclusion list; those fields are intentionally not filled here.

CholaMS Motor Insurance — Bank of Baroda · Features, owner-driver and key requirements · accessed 29 Aug 2026Open official source ↗

Table 2 · 7 rows · 2 columnsCholaMS Motor Insurance — cover types and published limitsCover options and limits transcribed from the official insurer page used by the Bank of Baroda product listing.View tableHide table

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CholaMS Motor Insurance — cover types and published limits
Cover / plan	Published scope or limit
Third-party liability	Injury/death and third-party property damage; property-damage caps are ₹7,50,000 for private cars, ₹1,00,000 for two-wheelers and ₹7,50,000 for other classes
Comprehensive motor plan	Third-party liability plus own-vehicle accidents, theft, malicious acts and natural-disaster damage
Own-damage plan	Own vehicle accident, calamity, fire and theft cover; does not cover third-party injury or property damage
Owner-driver	Maximum ₹15,00,000 for accidental death/disability of the registered owner-driver with an effective driving licence
Renewal	Renewal may be completed up to 60 days before expiry; post-expiry renewal requires authorised inspection
Roadside assistance	Available as an add-on at additional cost; includes breakdown, tyre, towing and fuel support
Cashless network	The insurer page states 15,900+ cashless garages nationwide

Plan availability, add-ons, deductibles and final limits depend on the selected policy schedule and wording.

Chola MS Motor Insurance · Types of Motor Insurance; What does Motor Insurance Offer You; Renewal · accessed 29 Aug 2026Open official source ↗

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CholaMS Motor Insurance

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Accident Care Individual Insurance Policy

Arogya Sanjeevani Policy - National

Auto Secure Private Car Package Policy - TATA AIG

Auto Secure Two-Wheeler Package Policy - TATA AIG