Most Trusted Car Insurance
Oriental Car Insurance
Any mishap involving your car can put a big hole in your pocket. Oriental car insurance plans have been designed to cover the insured vehicle if it encounters 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 for your car.
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.
Oriental Insurance Company offers various types of insurance coverage, such as motor insurance, health insurance, insurance for the rural population, personal accident policies, and more. The company aims to render the best customer service through its qualified and competent team of professionals.
The insurance company ensures that all misfortune events are well covered under its car insurance plans.
Key features of Oriental Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs. 15 Lakh
Network Garages
3,100
No Claim Bonus
Yes
No. of Zero Dep Claims
2
No. of Non-ZD Claims
Unlimited
Benefits of Oriental Car Insurance
Oriental car insurance offers the below-mentioned benefits to its policyholders:
Oriental car insurance provides a variety 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, plan renewals, and car insurance plan migration, is available.
No Claim Bonus is given by the insurer for not making a claim in the previous policy year.
Oriental motor insurance also offers Personal Accident Cover of up to Rs. 15 Lakh to the policyholders.
Types of Oriental Car Insurance Policy
The Oriental General Insurance Company offers three car insurance plans to choose from. These are:
Third-Party Liability Only Plan
The Liability only policy by Oriental car insurance provides complete protection against legal liabilities arising from 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.
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 with third-party liability insurance to cover repair expenses incurred by the insured car due to an unanticipated incident.
Comprehensive Insurance Policy
The comprehensive car insurance policy provides coverage to the policyholder against damages to the insured car caused by events like accidents, theft, fire, calamities, etc. Moreover, this policy also provides coverage against third-party liabilities, such as third-party death, injury, disability, or property damage.
Comprehensive car insurance is extensive and can be enhanced by purchasing add-on coverage that provides 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
What is Covered?
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 by 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 due to the insured vehicle.
In-transit Damages
Any damage to the insured car during transit by rail, road, airway or waterway
What is not Covered?
Breakdown or Wear & Tear
Damages to the insured car due to depreciation, wear & tear, and mechanical or electrical breakdowns are not covered.
Contractual Liability
Claims where the loss or damage to the car is due to any kind of contractual agreement are not accepted.
Outside Geographical Area
Any damage or liability which has happened outside the geographic area as defined in the policy documents.
Drunk Driving or Invalid Licence
Accidental damages caused to the insured car when driving under the influence of alcohol or drugs or without a valid licence
Unauthorised Use
Damages when a private car is used for commercial purposes or vice versa.
War-Like Situations
Damages to the insured car in the event of any civil war and nuclear perils
Oriental Car Insurance Add-Ons
Nil Depreciation Cover
The Nil Depreciation Cover, also known as Zero Depreciation cover, eliminates the depreciation factor on the insured car's damaged parts. This means that the policyholder will not be charged any depreciation amount for repairing or replacing the damaged parts of the vehicle. In other words, the claim amount received will be higher.
Loss of Personal Belongings
This add-on covers the loss of personal belongings of the policyholder when the car is stationary.
Alternative Car Benefit Cover
This add-on cover provides an alternative car/rent allowance in place of the insured car when it is in the garage for repairs.
Free Benefit of Emergency Services
Under this benefit, the policyholder is provided emergency services free of cost in case of an emergency.
How to Renew Oriental Car Insurance Online?
To renew the Oriental car insurance policy online through Policybazaar.com, follow the below-mentioned steps:
How to File a Claim Under Oriental Car Insurance?
To file a claim under the Oriental car insurance policy, follow the steps given below:
Claim Intimation
Inform the insurer about the mishap by calling the toll-free number of Oriental Insurance Company as soon as the mishap occurs.
Vehicle Inspection
After claim registration, a surveyor will be assigned by the insurer to inspect and assess the damages to the insured car.
Documents Verification
The surveyor will then verify all the relevant documents and submit the final report to the insurer.
Claim Processed
Post document verification, the claim amount is either transferred directly to the garage (in case of cashless claim) or to the policyholder's bank account (in case of reimbursement claim).
Documents Required to Raise a Claim Under Oriental Car Insurance
The following documents are required to raise a claim under Oriental car insurance:
Car Insurance for Popular Brands in India
FAQs - Oriental Car Insurance
-
What are the payment modes available for buying an Oriental car insurance policy?
Oriental car insurance can be purchased by paying via NEFT, RTGS, debit card, credit card, and online fund transfer. -
How can I check my Oriental car insurance policy status?
To check the Oriental car insurance policy status, a policyholder can visit the official website of Oriental Insurance Company and check it. -
How can I lower my Oriental car insurance premium?
To lower the car insurance premium, you can choose to install safety features in your car, maintain a no claim bonus, or opt for voluntary deductibles on your Oriental car insurance plan. -
Can I get NCB on a liability-only car insurance plan?
No, a policyholder cannot get NCB on a liability-only car insurance plan of Oriental Insurance Company as NCB applies only to own damage insurance coverage. -
How can I download the Oriental car insurance policy document?
To download the Oriental car insurance policy document, a policyholder can visit the official website of Oriental Insurance Company. After logging in with the required credentials, the policyholder can download the policy document.
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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.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
