Claiming under an Oriental car insurance policy is a simple and hassle-free process. The insurance provider offers cashless repairs in more than 3,000 network garages in India. Moreover, the Oriental car insurance claim settlement ratio in 23-24 is 94% making it one of the most reliable insurers for claim settlement purposes.
Here is the list of the important documents required while claiming Oriental car insurance.
Oriental Car Insurance provides both online and offline modes of initiating the claim process. The policyholder may avail of the claim by either cashless or reimbursement process.
Under an Oriental cashless claim process, the policyholder is not required to pay for repairs from his/her pocket as the insurer directly settles the claim. Thus this claim becomes cashless. Moreover, to get a cashless claim, one must get his/her car repaired in an authorized network garage of the insurer.
If the insured car is repaired in a non-network garage, then such a claim becomes a reimbursement claim. Under this type of claim, the policyholder first pays for repairs from his/her pocket, which is later reimbursed by the insurer upon verification.
Here is how you can file accidental or third party car insurance claims with Oriental car insurance:
Ans: The cashless claim could be availed through a network workshop. Although the customer can get the car repaired at any workshop, pay the repair cost and then apply for reimbursement.
Ans: There are a few things that must be taken into consideration like the driver must have a valid driving license and not drive under the influence of any sort of alcohol and drugs. Do not delay reporting the accident to the insurer, and make sure your policy has not lapsed. Under the above-mentioned condition, the claim may get rejected.
Ans: Yes, NCB is applied for next year’s car insurance renewal premium.
Ans: It may take 3 to 30 days for an Oriental motor insurance claim to get settled. The time taken depends on the severity of the claim registered.
Ans: You can know the status of your Oriental car insurance claim by logging into the official website of the insurer. If you are a Policybazaar customer, you can also know your claim status from your account dashboard. Moreover, you can also contact our claims assistance team to know the status of your car claim.
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*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.
##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.
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*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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