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Oriental Standalone Own Damage Car Insurance

Purchasing an Oriental Standalone Own Damage car insurance policy offers protection from own damage costs due to unanticipated incidents like fire, theft, vandalism, road accidents etc. This policy by Oriental General Insurance Company can also be enhanced by purchasing add-on covers at a nominal premium.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

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Coverage Under Oriental Standalone Own Damage Car Insurance

Inclusions
Exclusions

Own damage insurance claims can be raised for losses arising out of fire, or self-ignition
Partial or total loss arising out of burglary, theft or housebreaking
Damages caused due to riots and strikes are covered
Damages sustained by the insured vehicle due to earthquakes, storms, cyclones, and other natural calamities
Damages arising out of external means such as a road accident.

General wear and tear, depreciation sustained by the insured car
Damages caused to the insured four-wheeler as a result of drunk driving are not covered
Accidental damage sustained by the insured car when the driver was not carrying a valid DL
Damages arising outside the geographical scope of the car policy
Third-party property damage, death or injury to the third party caused due to the insured car.

Add-ons Under Oriental Standalone Own Damage Car Insurance

The coverage of Oriental car insurance is not limited, and can be enhanced by purchasing the following add-ons:

Nil Depreciation Cover
Loss of Personal Effects
NCB Protect Cover
Key Replacement Cover
Return to Invoice Cover
Consumables Cover
Engine Assistance Cover

How to Buy Oriental Standalone Own Damage Car Insurance Policy?

An Oriental own damage cover can be purchased via online and offline modes. However, purchasing it online is a completely hassle-free process. Below we have mentioned some simple steps to purchase an Oriental OD cover from Policybazaar Insurance Brokers Private Limited:

Visit Policybazaar.com and select “Car Insurance” from the website’s homepage
Enter your car number on the given form and proceed further
Select your car’s RTO
From the given lists, select your car’s make, model, variant and registration year
Fill in the proposal form and proceed to view quotes
Select Oriental own damage plan from the list of mentioned plans
Select your desired add-ons from the “Addons and Accessories” table
Pay the premium amount via online payment modes
After premium payment, your Oriental own damage car insurance policy papers will be mailed to you.

FAQs

Q1. Who are eligible to buy an Own Damage car insurance policy?

Ans: New car owners with a valid third-party car insurance policy can purchase a Standalone own damage car insurance policy.
Q2. How to download the Oriental OD car insurance policy document?

Ans: To download Oriental own damage car insurance policy document, sign in to Policybazaar.com and download a soft copy from your account dashboard.
Q3. Will I get any discount on purchasing the Oriental OD policy?
Ans: Yes, you can get a discount on the premium while purchasing Oriental own damage car insurance policy by following these tips:
- Become a member of the Automobile Associations of India
- Install an anti-theft device in your car that is approved by ARAI
- Do not claim during a policy year
- Opt for voluntary deductibles
- Choose your add-ons wisely
Q4. What is the validity of an Oriental own damage car insurance policy?

Ans: The validity of an Oriental own damage car insurance policy is one year after which it has to be renewed yearly.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in