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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
| 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 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:
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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.
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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.
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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
- 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
- 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 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: Accidental damages caused to the insured car under the influence of alcohol or drugs
- Driving Licence: Damages 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 full depreciation on all the car's metal and plastic parts. However, the depreciation on tyres and tubes is covered at 50%.
Loss of Personal Belongings
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.
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.
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 of if the motor insurance policy has been purchased in Delhi and NCR, Punjab, Himachal Pradesh, Haryana, Rajasthan, Mumbai, Southern States, and Kolkata.
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.
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 to repair or replace tyres damaged due to burst, bulge, or continuous running when deflated.
Consumables Cover
The consumables cover reimburses the policyholder with the cost of consumable items repaired or replaced as a result of accidental damage.
Consumables items refer to items like nuts, bolts, screws, engine oil, etc.
How to Renew Oriental Car Insurance Online?
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 that suits your budget.
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 vehicle insurance price, you can make a payment using your preferred payment mode.
Step 11: Once the payment is complete, your Oriental car 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 you the claim amount after you have paid the entire bill 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
Car Insurance for Popular Brands in India
FAQs
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Q1. How to pay a premium for my Oriental motor insurance policy? What are the modes of payment available?
Ans: The premium for the Oriental car insurance policy is as follows: it can be paid offline as well as online. For online payment, the policyholder can pay via:- Credit Card
- Debit Card
- Net banking
- UPI
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Q2. How can I check the policy status for Oriental car insurance online?
Ans: You can log in to the official website of Oriental General Insurance Company with your credentials to check your motor insurance plan status. If you have purchased your car policy from us, you can know its status by logging into your Policybazaar.com account. -
Q3. How can I lower my Oriental car insurance price?
Ans: You can lower the premium of your Oriental motor insurance policy by retaining your NCB, opting for higher voluntary deductibles, installing anti-theft devices in your car, and joining the Automobile Association of India.
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Q4. Can I avail No Claim Bonus discount on my Oriental Liability Only policy?
Ans: No, you cannot avail NCB discount with an Oriental third-party liability motor insurance plan. This is because NCB can be availed only on own damage cover provided in comprehensive and standalone OD car insurance plans only. -
Q5. How can I get an Oriental insurance policy download?
Ans: You can download a soft copy of your Oriental car insurance policy from the insurer’s official website or your Policybazaar account.
Car insurance companies
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
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