How do I stop a lone chariot from breaking through my defence?
These answers restate the rules implemented by our open-source engine, which follows the WXF laws for movement, checkmate and both repetition rulings: a side that forces a repetition by perpetual check or perpetual chase loses rather than drawing. The chase half has not been validated against the official casebook. Where an answer refers to a specific position, that position lives on the linked reference page, where the build verifies it before publishing.
Direct answer
Keep both advisors and both elephants on their correct points, and the chariot simply cannot construct a mating net on its own. This is one of the most reliable facts in the whole endgame: a lone chariot against a complete defence is a known draw, so the defensive task is maintaining the structure, not actively fighting the chariot piece by piece.
Do not chase the chariot
There is rarely any need to attack a lone enemy chariot directly. Every move should instead ask whether the structure is still intact, along the lines set out in defending with advisors and elephants: are both advisors on their points, are both elephants covering what they need to, and has nothing been provoked into moving without a reason.
The one thing that changes everything
Losing even one advisor turns this from a comfortable draw into a likely loss, which is exactly why an attacking side will often give up a soldier or more just to remove one. Guard the pair specifically, more than any other piece on the board.
Related questions
Is this true against chariot and soldier too?
Less true, since the soldier covers a point the chariot alone cannot, making that combination meaningfully harder to hold.
What if I have already lost an elephant instead?
Do not count on it. Advisors matter more against a chariot, but they are not enough on their own: with both elephants gone, a lone chariot beats two advisors in every position. The elephant you still have is doing real work.
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