Oriental Car Insurance

Get Car Insurance starting at only ₹2,094/year #
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Any mishap involving your car can make a big hole in your pocket. Oriental car insurance plans have been designed to cover the insured vehicle if it meets with an unforeseen incident such as collision, theft, fire etc. This motor policy by Oriental General Insurance Company also offers a wide range of add-on covers to offer some extra coverage to your car.

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  • 3100 Cashless garages

  • Plan starting @ ₹2094#

  • 94% Claim settlement ratio

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
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      About Oriental Insurance Company

      Incorporated in September 1947, The Oriental Insurance Company is a subsidiary of The Oriental Government Security Life Assurance Company Ltd. The insurance company was formed to carry out the business of General Insurance.

      The Oriental Insurance Company offers various types of insurance covers, such as motor insurance, health insurance, insurance for the rural population, personal accident policy and more. The company aims at rendering the best customer service through its qualified and competent team of professionals.

      The insurance company ensures that all the range of misfortune events are well covered under its car insurance plans.

      Key Features of Oriental Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 94%
      Personal Accident Insurance Up to Rs. 15 Lakh
      Network Garages 3,100
      No Claim Bonus Yes
      No. of Zero Dep Claims 2
      No. of Comprehensive Claims Unlimited

      Benefits of Oriental Car Insurance

      Oriental car insurance offers the below-mentioned benefits to its policyholders:

      • Oriental car insurance offers an assortment of discounts to its customers on car insurance premium.
      • With over 3,100 cashless network garages, the insurance company offers a cashless repairs facility to its policyholders
      • An online portal for a host of services, such as the online purchase of various plans, renewal of plans, and migration for car insurance plans, is available.
      • No Claim Bonus is given for not making a claim in the previous policy year.
      • Oriental motor insurance also offers Personal Accident Cover to the policyholders.

      Types of Oriental Car Insurance Policy

      The Oriental Insurance Company offers three car insurance plans to choose from. These are:

      1. Third-Party Liability Only Plan

        The Liability only policy by Oriental car insurance provides complete protection against legal liabilities arising due to accidental property damages and/or injury/ death of a third party person caused by the insured car.

        Under this plan, the liability for death/injury is unlimited and for property damage is limited to up to Rs. 7.5 lakh. The liability-only plan does not cover the damages sustained by the insured car. It only compensates a policyholder against third-party liabilities.

      2. Standalone Own Damage Policy

        The Oriental Standalone Own Damage car insurance policy provides coverage against damages sustained by the insured car due to accidents, natural calamities, riots, fire, theft, etc. This policy can be purchased additionally along with third-party liability insurance to cover repair expenses incurred by the insured car due to an unanticipated incident.

      3. Comprehensive Insurance Policy

        The comprehensive car insurance policy provides coverage to the policyholder against damages to the insured car due to events like accidents, theft, fire, calamities, etc. Moreover, this policy also provides coverage against third-party liabilities, such as third-party death, injury or property damage.

        Comprehensive car insurance is an extensive cover and can further be enhanced by purchasing add-on covers that provide extra coverage.

      Oriental Car Insurance Premium Calculator

      A policyholder can calculate the car insurance premium of an Oriental motor insurance policy by using an Oriental car insurance premium calculator. This tool allows car owners to check the premium beforehand and make an informed decision about buying the policy.

      Coverage Under Oriental Car Insurance

      • Natural Calamities: Any loss or damage caused to the vehicle due to natural calamities, such as earthquakes, floods, typhoons, landslides, rockslides, etc.
      • Manmade Calamities: Any loss or damage caused due to manmade calamities, such as riots, strikes, malicious acts, etc.
      • Fire: Damages sustained by the insured car due to events, such as fire, self-ignition, lightning and explosion
      • Theft: Loss or damages arising due to theft or burglary of the insured car
      • Third-Party Liabilities: Any damage to third party property and third party injury or death
      • In-transit Damages: Any damage to the insured car during transit by rail, road, airway or waterway
      • Breakdown: Damages arising out of the mechanical or electrical breakdown of the insured vehicle
      • Contractual Liability: Claims where the loss or damage to the car is due to any kind of contractual agreement
      • Outside Geographical Area: Any damage or liability which has happened outside the geographic area as defined in the policy documents
      • Drunk Driving: Accidental damages caused to the insured car under the influence of alcohol or drugs
      • Driving Licence: Damages sustained by the insured car when the vehicle was being driven without a valid licence
      • Ageing: Damages to the insured car due to depreciation, wear, and tear
      • Unauthorised Uses: If the insured car is being used for a purpose other than agreed or defined, such as if a private car is being used for commercial purposes
      • War: Damages to the insured car in the event of any civil war and nuclear perils

      Oriental Car Insurance: Add-ons
      Nil Depreciation Cover

      Nil Depreciation cover provides coverage to policyholders against depreciation borne by the insured car.

      Under this add-on, the insurance company bears the depreciation on all the metal and plastic parts of the car in full. However, the depreciation for tyres and tubes is covered at 50%.

      Read more
      Loss of Personal Belongings Cover

      Under the Loss of Personal Belongings cover, the insurance company will compensate for the cost of personal belongings lost from the insured car in case of a total loss or theft.

      A maximum of Rs. 5,000 and Rs. 10,000 are compensated depending upon the limit a policyholder chooses.

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      Alternative Car Benefit Cover

      If the insured car meets with an accident or suffers a total loss, this Oriental car insurance add-on cover will provide an alternate car that can be used for a limited duration of 5, 10 or 15 days at most.

      However, this cover becomes payable only when the insured vehicle is disabled and damaged beyond 20% of the Insured Declared Value.

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      Free Benefit of Emergency Services

      Under this add-on cover, the insurer will offer free emergency services in case of a complete breakdown of the car.

      However, this service can only be availed if the motor insurance policy has been purchased in the states of Delhi & NCR, Punjab, Himachal Pradesh, Haryana, Rajasthan, Mumbai, Southern States and Kolkata.

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      Key Replacement Cover

      Under the Key Replacement add-on cover, the insurance company will offer compensation to the policyholder for the replacement

      or repair of the car keys in case the keys of the insured car have been lost, stolen or damaged.

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      Tyre and Rim Protect Cover

      A standard car insurance policy does not cover damages to the tyre and rim of the insured car.

      Under the Tyre and Rim Protect cover, the insurer will pay for the first claim of repairing or replacing tyres damaged due to burst, bulge or continuous running when deflated.

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      Consumables Cover

      The consumables cover reimburses the policyholder with the cost of consumable items refilled or replaced as a result of accidental damage.

      Consumables items refer to items like nuts, bolts, screws, engine oil, etc.

      Read more
      View more Add-ons

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      How to Renew Oriental Car Insurance?

      You can easily renew Oriental car insurance online from Policybazaar.com by following these steps:

      Step 1: From the homepage of Policybazaar Insurance Brokers Private Limited, select the “Car Insurance” tab

      Step 2: You will find a form where you have to add your car number and select ‘view instant quotes’.

      Step 3: Fill in the required details like name, email, etc. and select ‘view prices’

      Step 4: Enter your policy expiry date and previous claim information

      Step 5: From the given plans, find the Oriental car insurance renewal plan. You can also view the details of your motor insurance renewal policy by clicking on the ‘View Policy Details’ option.

      Step 6: Include the add-on covers you wish to add to your policy

      Step 7: Enter the No Claim Bonus of your existing policy and proceed forward

      Step 8: Fill out the given form and verify your details

      Step 9: Select the option of “Summary and Payment"

      Step 10: After verification of Oriental car insurance price, you can make a payment using your preferred payment mode.

      Step 11: Once the payment is complete, your Oriental insurance renewal will be complete. The car insurance renewal documents will be sent to your registered email ID.

      How to File a Claim Under Oriental Car Insurance?

      Follow the steps mentioned below to file an Oriental motor insurance claim:

      1

      Claim Intimation

      Immediately inform the insurer about the incident by calling or emailing them so that your claim can be registered.

      2

      Vehicle Inspection:

      Once the claim has been registered, the insurance company will get the insured car inspected by a surveyor. The surveyor will examine the extent of damages sustained by the insured vehicle.

      3

      Documents Verification:

      After the inspection, you may be required to show relevant documents to the surveyor. Make sure to keep copies of all the required documents for the claim processing.

      4

      Claim Processed:

      In the case of a cashless claim, the insurance company will pay the cost of repairs directly to the workshop/garage once the car repair work is complete. If the car is being repaired in a non-authorized network garage, the insurance company will reimburse the claim amount to you after you have paid the entire bill amount and raised a reimbursement claim.

      Documents Required to Raise a Claim Under Oriental Car Insurance

      Make sure to keep these documents handy while registering a claim under Oriental vehicle insurance:

      • Duly signed claim form
      • Copy of Registration Certificate (RC)
      • Copy of a valid driving licence
      • Copy of motor insurance papers
      • Police FIR copy
      • Original repair estimates or repair invoice

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      Average Rating
      (Based on 8 Reviews)
       Why buy from policybazaar
      Oriental Car Insurance Reviews & Ratings
      4.8 / 5 (Based on 8 Reviews)
      (Showing Newest 8 reviews)
      Bipin
      Meerut, November 23, 2021
      Excellent service
      I approached the customer service of Policybazaar from where i have taken oriental car insurance policy. i was facing some difficulty and with the least waste of time my issue was addressed. I really liked how efficient the team is in their work.
      Govinda
      Gopalpur, September 07, 2021
      Suitable plan
      I got a suitable car plan from PolicyBazaar which was not too costly and I have got all the features which I wanted in my plan.The team of Policybazaar takes good care of its customer. everyone will get good service from here just like i got.
      Rohit
      Ranchi, August 25, 2021
      Add on covers
      I had taken Oriental car insurance from policy bazaar. first i thought the coverage provided under my plan would be enough but i was wrong. I wanted some more features in my policy so later i added some add on covers and it enhanced my plan.
      Adit
      Ramgarh, August 18, 2021
      Great deals
      last month i have bought a new car and for that recently i got oriental car insurance plan from policy bazaar. i did not have to go anywhere.i bought the plan sitting at home under my budget. thanks to the team for offering me such a good plan.
      Karu
      Zankhvav, April 26, 2021
      Best plan
      I found the best car insurance plan in the oriental car insurance policy and would renew it that plan only. Happy and got the best services.
      Sahil
      Padampur, April 23, 2021
      Protective layer
      The car insurance plan has been a protective layer for my Hyundai Accent car. I bought the oriental car insurance policy and loved it. Thanks team.
      Sumit
      Jammu, March 27, 2017
      Excellent service and efforts Thumbs up
      It was a great experience to renew my car insurance through policy bazar..The agent Mr samarth chaddha pw01688 was so helpful in guiding me through the best possible quotes rates and the max benefits out of the policy..Highly recommended for renewal
      Nisha
      Agartala, December 20, 2015
      Best Insurance
      My friend told me about the benefits and features of oriental car insurance. So I purchased Oriental insurance for my new four-wheeler. Now, it has been 4 years and they have not given me any chance for disappointment. It covers insurance for all parts of cars like glass, materials and fiber. I have claimed it once when I met with an accident last year and I got 80% of my claim with easy procedure. It was hassle free process and all staff members were co-operative.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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