IRDAI product register · general insurance

Cholamandalam MS General Insurance Policy Wordings

IRDAI's non-life product register lists 50 Cholamandalam MS products and 152 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Marine · Motor · Crop and rural

Fire and property (5)

Product	UIN	Approved	Policy wording
CHOLA SOLAR PLANT PROTECT POLICY	IRDAN123RP0011V01201819	24 Aug 2018	Wording
CHOLA WIND MILL PROTECT POLICY	IRDAN123RP0012V01201819	24 Aug 2018	Wording
Enterprise Package Policy (Sookshma)	IRDAN123RP0017V02100001	28 Apr 2021	Wording
Enterprise Package Policy (Sookshma)	IRDAN123RP0017V03100001	9 Nov 2021	Wording
Fire Loss of Profit Insurance	IRDAN123RP0024V02200203	15 Sep 2021	Wording

Shop, office, home and business packages (6)

Product	UIN	Approved	Policy wording
CHOLA ASSET SHIELD POLICY	IRDAN123RP0002V01202223	26 Apr 2022	Wording
CHOLA GROUP ASSET SHIELD POLICY	IRDAN123RP0001V01202223	26 Apr 2022	Wording
Home Package Policy-Griha Raksha	IRDAN123RP0086V02200203	28 Apr 2021	Wording
Home Package Policy-Griha Raksha	IRDAN123RP0086V03200203	9 Nov 2021	Wording
Office Package Policy	IRDAN123RP0085V02200203	19 Jul 2021	Wording
Shop Package Policy	IRDAN123RP0084V02200203	19 Jul 2021	Wording

Engineering (4)

Product	UIN	Approved	Policy wording
Contractor's Plant and Machinery Insurance	IRDAN123RP0033V02200203	3 Nov 2022	Wording
Erection All Risks Insurance	IRDAN123RP0040V02200203	15 Sep 2021	Wording
Loss of Profit (Machinery / Boiler & Pressure Plant) Insurance	IRDAN123RP0041V02200203	15 Sep 2021	Wording
Machinery Break-down Insurance	IRDAN123RP0038V02200203	3 Nov 2022	Wording

Liability (2)

Product	UIN	Approved	Policy wording
Chola D&O Protect Plus	IRDAN123RP0003V01202223	17 May 2022	Wording
Employees’ Compensation Insurance	IRDAN123RP0032V02200203	15 Sep 2021	Wording

Marine (1)

Product	UIN	Approved	Policy wording
Marine Hull and Machinery Insurance	IRDAN123RP0026V02200203	15 Sep 2021	Wording

Motor (30)

Product	UIN	Approved	Policy wording
Chola Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN123RP0086V01201819	12 Dec 2018	Wording
Chola Long Term Motor Two Wheeler Package Policy 1 add-on Return to Invoice Cover IRDAN123RP0003V01202122/A0019V01202122 · 1 Nov 2021 Wording	IRDAN123RP0003V01202122	3 May 2021	Wording
Chola Standalone Own Damage Policy for Private Car 27 add-ons Auto Extension of Policy for Standalone Private Car OD IRDAN123RP0002V01201920/A0017V01201920 · 23 Aug 2019 Wording Chola Value Added Services - Private Car Package Policy for Standalone Private Car OD IRDAN123RP0002V01201920/A0029V01201920 · 23 Aug 2019 Wording Consumables Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0014V01201920 · 23 Aug 2019 Wording Consumables Plus Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0024V01201920 · 23 Aug 2019 Wording Conveyance Allowance for Standalone Private Car OD IRDAN123RP0002V01201920/A0026V01201920 · 23 Aug 2019 Wording Coverage for Disabled Vehicle for Standalone Private Car OD IRDAN123RP0002V01201920/A0019V01201920 · 23 Aug 2019 Wording Coverage for road tax and registration charges in case of total loss of the vehicle for Standalone P IRDAN123RP0002V01201920/A0010V01201920 · 23 Aug 2019 Wording Coverage of Insurance Cost for Standalone Private Car OD IRDAN123RP0002V01201920/A0013V01201920 · 23 Aug 2019 Wording Daily Cash Allowance for Standalone Private Car OD IRDAN123RP0002V01201920/A0004V01201920 · 23 Aug 2019 Wording Discount for repairs in preferred workshop for Standalone Private Car OD IRDAN123RP0002V01201920/A0011V01201920 · 23 Aug 2019 Wording EMI Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0025V01201920 · 23 Aug 2019 Wording Franchise Benefit for Standalone Private Car OD IRDAN123RP0002V01201920/A0016V01201920 · 23 Aug 2019 Wording Hydrostatic lock cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0021V01201920 · 23 Aug 2019 Wording Hydrostatic Lock Plus Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0027V01201920 · 23 Aug 2019 Wording Key replacement cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0022V01201920 · 23 Aug 2019 Wording License Loss cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0009V01201920 · 23 Aug 2019 Wording Loss of Key Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0023V01201920 · 23 Aug 2019 Wording Monthly installment cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0018V01201920 · 23 Aug 2019 Wording No Claim Bonus Protection for Standalone Private Car OD IRDAN123RP0002V01201920/A0012V01201920 · 23 Aug 2019 Wording Personal belongings Inside the vehicle for Standalone Private Car OD IRDAN123RP0002V01201920/A0007V01201920 · 23 Aug 2019 Wording Registration Certificate Lost cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0015V01201920 · 23 Aug 2019 Wording Reimbursement of cost of duplicate keys for Standalone Private Car OD IRDAN123RP0002V01201920/A0008V01201920 · 23 Aug 2019 Wording Reinstatement Value basis for fixing IDV for Standalone Private Car OD IRDAN123RP0002V01201920/A0006V01201920 · 23 Aug 2019 Wording Tyre Protect for Standalone Private Car OD IRDAN123RP0002V01201920/A0030V01201920 · 23 Aug 2019 Wording Vehicle Replacement Advantage Cover for Standalone Private Car OD IRDAN123RP0002V01201920/A0028V01201920 · 23 Aug 2019 Wording Waiver of Depreciation for Standalone Private Car OD IRDAN123RP0002V01201920/A0005V01201920 · 23 Aug 2019 Wording Wrong fuelling for Standalone Private Car OD IRDAN123RP0002V01201920/A0020V01201920 · 23 Aug 2019 Wording	IRDAN123RP0002V01201920	23 Aug 2019	Wording
Chola Standalone Own Damage Policy for Two Wheeler 8 add-ons Chola Value Added Services for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0037V01201920 · 23 Aug 2019 Wording Consumables Plus-Chola Standalone Own Damage Policy for Two Wheeler IRDAN123RP0003V01201920/A0001V01202122 · 28 Apr 2021 Wording Daily Cash Allowance for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0036V01201920 · 23 Aug 2019 Wording Full Depreciation Waiver Cover for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0032V01201920 · 23 Aug 2019 Wording Hydrostatic Lock Cover for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0034V01201920 · 23 Aug 2019 Wording Monthly Installment Cover for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0031V01201920 · 23 Aug 2019 Wording Reinstatement Value Basis for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0035V01201920 · 23 Aug 2019 Wording Return to Invoice Cover for Standalone Two Wheeler OD IRDAN123RP0003V01201920/A0033V01201920 · 23 Aug 2019 Wording	IRDAN123RP0003V01201920	23 Aug 2019	Wording
Commercial Vehicles Package Policy - GCV -Additional Towing Charges	IRDAN123A0005V01201617	19 Oct 2016	Wording
Commercial Vehicles Package Policy - GCV -Conveyance Allowance	IRDAN123A0004V01201617	19 Oct 2016	Wording
Commercial Vehicles Package Policy - GCV -EMI Cover	IRDAN123A0003V01201617	19 Oct 2016	Wording
Commercial Vehicles Package Policy - GCV -Hydrostatic Lock Plus Cover	IRDAN123A0002V01201617	19 Oct 2016	Wording
Consumables Plus Cover- Add on cover under Commercial Vehicle Package Policy	IRDAN123A0003V01201718	21 Apr 2017	Wording
EMI Protection Cover- Add on cover under Commercial Vehicle Package Policy	IRDAN123A0002V01201718	21 Apr 2017	Wording
Engine Seizure Plus:- Add on cover under Commercial Vehicle Package Policy	IRDAN123A0001V01201718	21 Apr 2017	Wording
Motor Private Car Liability Policy for three years	IRDAN123RP0014V01201819	30 Aug 2018	Wording
Motor Private Car Package Policy for Three years 26 add-ons Auto Extension of Policy for three years IRDAN123RP0016V01201819/A0032V01201819 · 10 Sep 2018 Wording Chola Value Added Services - Private Car Package Policy for three years IRDAN123RP0016V01201819/A0044V01201819 · 10 Sep 2018 Wording Consumables Cover for three years IRDAN123RP0016V01201819/A0029V01201819 · 10 Sep 2018 Wording Consumables Plus Cover for three years IRDAN123RP0016V01201819/A0039V01201819 · 10 Sep 2018 Wording Conveyance Allowance for three years IRDAN123RP0016V01201819/A0041V01201819 · 10 Sep 2018 Wording Coverage for Disabled Vehicle for three years IRDAN123RP0016V01201819/A0034V01201819 · 10 Sep 2018 Wording Coverage for road tax and registration charges in case of total loss of the vehicle for three years IRDAN123RP0016V01201819/A0025V01201819 · 10 Sep 2018 Wording Coverage of Insurance Cost for three years IRDAN123RP0016V01201819/A0028V01201819 · 10 Sep 2018 Wording Daily Cash Allowance for three years IRDAN123RP0016V01201819/A0019V01201819 · 10 Sep 2018 Wording Discounts for repairs in preferred workshop for three years IRDAN123RP0016V01201819/A0026V01201819 · 10 Sep 2018 Wording EMI Cover for three years IRDAN123RP0016V01201819/A0040V01201819 · 10 Sep 2018 Wording Franchise Benefit for three years IRDAN123RP0016V01201819/A0031V01201819 · 10 Sep 2018 Wording Hydrostatic lock cover for three years IRDAN123RP0016V01201819/A0036V01201819 · 10 Sep 2018 Wording Hydrostatic Lock Plus Cover for three years IRDAN123RP0016V01201819/A0042V01201819 · 10 Sep 2018 Wording Key replacement cover for three years IRDAN123RP0016V01201819/A0037V01201819 · 10 Sep 2018 Wording License Loss cover for three years IRDAN123RP0016V01201819/A0024V01201819 · 10 Sep 2018 Wording Loss of Key Cover for three years IRDAN123RP0016V01201819/A0038V01201819 · 10 Sep 2018 Wording Monthly installment Cover for three years IRDAN123RP0016V01201819/A0033V01201819 · 10 Sep 2018 Wording No Claim Bonus Protection for three years IRDAN123RP0016V01201819/A0027V01201819 · 10 Sep 2018 Wording Personal belongings Inside the vehicle for three years IRDAN123RP0016V01201819/A0022V01201819 · 10 Sep 2018 Wording Registration Certificate Lost cover for three years IRDAN123RP0016V01201819/A0030V01201819 · 10 Sep 2018 Wording Reimbursement of cost of duplicate keys for three years IRDAN123RP0016V01201819/A0023V01201819 · 10 Sep 2018 Wording Reinstatement Value basis for fixing IDV for three years IRDAN123RP0016V01201819/A0020V01201819 · 10 Sep 2018 Wording Vehicle Replacement Advantage Cover for three years IRDAN123RP0016V01201819/A0043V01201819 · 10 Sep 2018 Wording Waiver of depreciation for three years IRDAN123RP0016V01201819/A0021V01201819 · 10 Sep 2018 Wording Wrong fuelling for three years IRDAN123RP0016V01201819/A0035V01201819 · 10 Sep 2018 Wording	IRDAN123RP0016V01201819	30 Aug 2018	Wording
Motor Private Car Policy Bundled 27 add-ons Auto Extension of Policy Bundled IRDAN123RP0018V01201819/A0065V01201819 · 10 Sep 2018 Wording Chola Value Added Services - Private Car Package Policy Bundled IRDAN123RP0018V01201819/A0077V01201819 · 10 Sep 2018 Wording Consumables Cover Bundled IRDAN123RP0018V01201819/A0062V01201819 · 10 Sep 2018 Wording Consumables Plus Cover Bundled IRDAN123RP0018V01201819/A0072V01201819 · 10 Sep 2018 Wording Conveyance Allowance IRDAN123RP0018V01201819/A0085V01201819 · 15 Oct 2018 Wording Conveyance Allowance Bundled IRDAN123RP0018V01201819/A0074V01201819 · 10 Sep 2018 Wording Coverage for Disabled Vehicle Bundled IRDAN123RP0018V01201819/A0067V01201819 · 10 Sep 2018 Wording Coverage for road tax and registration charges in case of total loss of the vehicle Bundled IRDAN123RP0018V01201819/A0058V01201819 · 10 Sep 2018 Wording Coverage of Insurance Cost Bundled IRDAN123RP0018V01201819/A0061V01201819 · 10 Sep 2018 Wording Daily Cash Allowance Bundled IRDAN123RP0018V01201819/A0052V01201819 · 10 Sep 2018 Wording Discounts for repairs in preferred workshop Bundled IRDAN123RP0018V01201819/A0059V01201819 · 10 Sep 2018 Wording EMI Cover Bundled IRDAN123RP0018V01201819/A0073V01201819 · 10 Sep 2018 Wording Franchise Benefit Bundled IRDAN123RP0018V01201819/A0064V01201819 · 10 Sep 2018 Wording Hydrostatic lock cover Bundled IRDAN123RP0018V01201819/A0069V01201819 · 10 Sep 2018 Wording Hydrostatic Lock Plus Cover Bundled IRDAN123RP0018V01201819/A0075V01201819 · 10 Sep 2018 Wording Key replacement cover Bundled IRDAN123RP0018V01201819/A0070V01201819 · 10 Sep 2018 Wording License Loss cover Bundled IRDAN123RP0018V01201819/A0057V01201819 · 10 Sep 2018 Wording Loss of Key Cover Bundled IRDAN123RP0018V01201819/A0071V01201819 · 10 Sep 2018 Wording Monthly installment Cover Bundled IRDAN123RP0018V01201819/A0066V01201819 · 10 Sep 2018 Wording No Claim Bonus Protection Bundled IRDAN123RP0018V01201819/A0060V01201819 · 10 Sep 2018 Wording Personal belongings Inside the vehicle Bundled IRDAN123RP0018V01201819/A0055V01201819 · 10 Sep 2018 Wording Registration Certificate Lost cover Bundled IRDAN123RP0018V01201819/A0063V01201819 · 10 Sep 2018 Wording Reimbursement of cost of duplicate keys Bundled IRDAN123RP0018V01201819/A0056V01201819 · 10 Sep 2018 Wording Reinstatement Value basis for fixing IDV Bundled IRDAN123RP0018V01201819/A0053V01201819 · 10 Sep 2018 Wording Vehicle Replacement Advantage Cover Bundled IRDAN123RP0018V01201819/A0076V01201819 · 10 Sep 2018 Wording Waiver of depreciation Bundled IRDAN123RP0018V01201819/A0054V01201819 · 10 Sep 2018 Wording Wrong fuelling Bundled IRDAN123RP0018V01201819/A0068V01201819 · 10 Sep 2018 Wording	IRDAN123RP0018V01201819	30 Aug 2018	Wording
Motor Two - Wheelers Policy Bundled 8 add-ons Chola Value Added Services - Two Wheeler Package Policy Bundled IRDAN123RP0017V01201819/A0084V01201819 · 10 Sep 2018 Wording Consumables Plus-Motor Two - Wheelers Policy Bundled IRDAN123RP0017V01201819/A0002V01202122 · 28 Apr 2021 Wording Daily Cash Allowance Cover Bundled IRDAN123RP0017V01201819/A0083V01201819 · 10 Sep 2018 Wording Full Depreciation Waiver Cover Bundled IRDAN123RP0017V01201819/A0079V01201819 · 10 Sep 2018 Wording Hydrostatic lock cover Bundled IRDAN123RP0017V01201819/A0081V01201819 · 10 Sep 2018 Wording Monthly installment Cover Bundled IRDAN123RP0017V01201819/A0078V01201819 · 10 Sep 2018 Wording Reinstatement Value Basis Bundled IRDAN123RP0017V01201819/A0082V01201819 · 10 Sep 2018 Wording Return to Invoice Cover Bundled IRDAN123RP0017V01201819/A0080V01201819 · 10 Sep 2018 Wording	IRDAN123RP0017V01201819	30 Aug 2018	Wording
Motor Two Wheeler Liability Policy for five years	IRDAN123RP0013V01201819	30 Aug 2018	Wording
Motor Two – Wheelers Package Policy for Five years 7 add-ons Chola Value Added Services - Two Wheeler Package Policy for five years IRDAN123RP0015V01201819/A0051V01201819 · 10 Sep 2018 Wording Daily Cash Allowance Cover for five years IRDAN123RP0015V01201819/A0050V01201819 · 10 Sep 2018 Wording Full Depreciation Waiver Cover for five years IRDAN123RP0015V01201819/A0046V01201819 · 10 Sep 2018 Wording Hydrostatic Lock Cover for five years IRDAN123RP0015V01201819/A0048V01201819 · 10 Sep 2018 Wording Monthly Installment Cover for five years IRDAN123RP0015V01201819/A0045V01201819 · 10 Sep 2018 Wording Reinstatement Value Basis for five years IRDAN123RP0015V01201819/A0049V01201819 · 10 Sep 2018 Wording Return to Invoice Cover for five years IRDAN123RP0015V01201819/A0047V01201819 · 10 Sep 2018 Wording	IRDAN123RP0015V01201819	30 Aug 2018	Wording
Private Car Package Policy-Consumables Plus Cover	IRDAN123A0007V01201617	27 Oct 2016	Wording
Private Car Package Policy-Conveyance Allowance	IRDAN123A0009V01201617	27 Oct 2016	Wording
Private Car Package Policy-EMI Cover	IRDAN123A0008V01201617	27 Oct 2016	Wording
Private Car Package Policy-Hydrostatic Lock Plus Cover	IRDAN123A0010V01201617	27 Oct 2016	Wording
Private Car Package Policy-Loss of Key Cover	IRDAN123A0006V01201617	27 Oct 2016	Wording
Private Car Package Policy-Vehicle Replacement Advantage Cover	IRDAN123A0011V01201617	27 Oct 2016	Wording
Two Wheeler Package Policy -Daily Cash Allowance	IRDAN123A0017V01201617	11 Nov 2016	Wording
Two Wheeler Package Policy -Full Depreciation Waiver Cover	IRDAN123A0013V01201617	11 Nov 2016	Wording
Two Wheeler Package Policy -Hydrostatic Lock Cover	IRDAN123A0015V01201617	11 Nov 2016	Wording
Two Wheeler Package Policy -Monthly Installment Cover	IRDAN123A0012V01201617	11 Nov 2016	Wording
Two Wheeler Package Policy -Reinstatement Value Basis	IRDAN123A0016V01201617	11 Nov 2016	Wording
Two Wheeler Package Policy -Return to Invoice Cover	IRDAN123A0014V01201617	11 Nov 2016	Wording
Vehicle Replacement Cover- Add on cover under Commercial Vehicle Package Policy	IRDAN123A0004V01201718	21 Apr 2017	Wording

Crop and rural (2)

Product	UIN	Approved	Policy wording
Chola MS PMFBY	IRDAN123P0001V01201617	22 Jul 2016	Wording
CHOLA MS Restructured Weather Based Crop Insurance Scheme(RWBCIS)	IRDAN123P0005V01201718	24 Apr 2017	Wording

Add-ons filed on their own (48)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
ACCIDENTAL DAMAGE EXTENSION	IRDAN123RP0014V01202021/A0015V01202122	13 Jul 2021	Wording
ACCIDENTAL DAMAGE EXTENSION	IRDAN123RP0015V01202021/A0010V01202122	30 Jun 2021	Wording
ACCIDENTAL DAMAGE EXTENSION	IRDAN123RP0016V01202021/A0005V01202122	30 Jun 2021	Wording
Accidental Damage Extension - Shop Package Policy	IRDAN123A0018V01201718	17 May 2018	Wording
Accidental Damage Extension under Fire Secrtion of Office Package Policy	IRDAN123A0002V01201819	2 Apr 2018	Wording
Accidental Damage Extension under Fire Section of Shop Package Policy	IRDAN123A0018V01201718	23 Mar 2018	Wording
Accidental Damage Extension under SFSP policy	IRDAN123A0001V01201819	2 Apr 2018	Wording
Additional Increased Cost of Working under Consequential Loss (Fire)	IRDAN123CP0034V01201819/A0084V01201819	12 Feb 2019	Wording
Additional Increased Cost of Working under Industrial All Risk (IAR) Policy	IRDAN123CP0022V01200203/A0085V01201819	12 Feb 2019	Wording
Average 85% Clause - SFSP	IRDAN123A0017V01201718	21 Mar 2018	Wording
Building Facade Clause - Office Package Policy	IRDAN123A0012V01201718	1 Nov 2017	Wording
Building Facade Clause - Plate Glass	IRDAN123A0013V01201718	1 Nov 2017	Wording
Building Facade Clause - Shop Package Policy	IRDAN123A0014V01201718	1 Nov 2017	Wording
Chola Value Added Services - Private Car	IRDAN123A0006V01201718	18 Sep 2017	Wording
Chola Value Added Services – Commercial Vehicles	IRDAN123A0008V01201718	18 Sep 2017	Wording
Chola Value Added Services – Commercial Vehicles	IRDAN123A0009V01201718	18 Sep 2017	Wording
Chola Value Added Services – Two Wheeler	IRDAN123A0007V01201718	18 Sep 2017	Wording
Consumables Plus Cover - MCV - Passenger carrying vehicle	IRDAN123A0003V01201718	6 Apr 2017	Wording
EMERGENCY EXPENSES	IRDAN123RP0014V01202021/A0018V01202122	13 Jul 2021	Wording
EMI Protection Cover - MCV - Passenger carrying vehicle	IRDAN123A0002V01201718	6 Apr 2017	Wording
Engine Seizure Plus - MCV - Passenger carrying vehicle	IRDAN123A0001V01201718	6 Apr 2017	Wording
ESCALATION CLAUSE	IRDAN123RP0015V01202021/A0011V01202122	30 Jun 2021	Wording
ESCALATION CLAUSE	IRDAN123RP0016V01202021/A0006V01202122	30 Jun 2021	Wording
EXPEDITING EXPENSES	IRDAN123RP0015V01202021/A0014V01202122	30 Jun 2021	Wording
EXPEDITING EXPENSES	IRDAN123RP0016V01202021/A0009V01202122	30 Jun 2021	Wording
EXPENSES FOR SHIFTING TO ALTERNATE ACCOMMODATION	IRDAN123RP0014V01202021/A0016V01202122	13 Jul 2021	Wording
Expenses to avert imminent loss clause under Fire Section of Office Package Policy	IRDAN123A0005V01201819	28 May 2018	Wording
Expenses to avert imminent loss clause under Fire Section of Shop Package Policy	IRDAN123A0006V01201819	28 May 2018	Wording
Expenses to avert imminent loss clause under Industrial All Risks Policy	IRDAN123A0004V01201819	28 May 2018	Wording
Expenses to avert imminent loss clause under SFSP policy	IRDAN123A0003V01201819	28 May 2018	Wording
FIRE FIGHTING EXPENSES	IRDAN123RP0015V01202021/A0013V01202122	30 Jun 2021	Wording
FIRE FIGHTING EXPENSES	IRDAN123RP0016V01202021/A0008V01202122	30 Jun 2021	Wording
Full Depreciation Waiver Cover	IRDAN123RP0002V01200203/A0013V02201617	23 Nov 2021	Wording
Hydraulic Jack Cover	IRDAN123RP0003V03100001/A0004V01202122	30 Jun 2021	Wording
INSURANCE OF ADDITIONAL EXPENSES OF RENT FOR AN ALTERNATIVE ACCOMMODATION	IRDAN123RP0015V01202021/A0012V01202122	30 Jun 2021	Wording
INSURANCE OF ADDITIONAL EXPENSES OF RENT FOR AN ALTERNATIVE ACCOMMODATION	IRDAN123RP0016V01202021/A0007V01202122	30 Jun 2021	Wording
Minor Works Clause under Fire section of Office Package Policy	IRDAN123A0009V01201819	28 May 2018	Wording
Minor Works Clause under Fire section of Shop Package Policy	IRDAN123A0008V01201819	28 May 2018	Wording
Minor Works Clause under IAR policy	IRDAN123A0010V01201819	28 May 2018	Wording
Minor Works Clause under SFSP Policy	IRDAN123A0007V01201819	28 May 2018	Wording
THIRD PARTY LIABILITY COVER	IRDAN123RP0014V01202021/A0017V01202122	13 Jul 2021	Wording
Tyre protect	IRDAN123RP0001V02100001/A0001V01201920	2 Jun 2019	Wording
Vehicle Replacement Cover - MCV - Passenger carrying vehicle	IRDAN123A0004V01201718	21 Apr 2017	Wording
Waiver of Reduction in Depreciation for Partial Loss Claims	IRDAN123RP0003V02100001/A0011V02201213	9 Nov 2021	Wording
Waiver of Reduction in Depreciation for Partial Loss Claims	IRDAN123RP0005V01200203/A0040V02201213	23 Nov 2021	Wording
Waiver of Reduction in Depreciation for Partial Loss Claims	IRDAN123RP0006V01200203/A0041V02201213	23 Nov 2021	Wording
Waiver of Subrogation Clause - IAR policy	IRDAN123A0015V01201718	30 Nov 2017	Wording
Waiver of Subrogation Clause - SFSP	IRDAN123A0016V01201718	30 Nov 2017	Wording

Names in the register

IRDAI registration number 123. Filed as: Cholamandalam MS General Insurance Co. Ltd.; Cholamandalam MS General Insurance Company Limited. Its claim settlement, solvency and market share figures: Cholamandalam MS profile.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Cholamandalam MS policy wordings?

Above: every Cholamandalam MS product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Cholamandalam MS general insurance products are in IRDAI's register?

50 products and 152 add-ons, approved 2016 to 2022.

Which lines of cover does Cholamandalam MS file most?

By number of products in the register: motor 30, shop, office, home and business packages 6, fire and property 5, engineering 4.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.