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Oriental Car Insurance
- Oriental Comprehensive Car Insurance
Oriental Comprehensive Car Insurance Policy
Oriental comprehensive car insurance policy ensures coverage for both third-party liabilities arising out of a road accident as well as damages incurred by the policyholder's vehicle in the unfortunate event. This car insurance policy by Oriental General Insurance Company can also be enhanced with the help of add-ons.
Benefits of Oriental Comprehensive Car Insurance Policy
Policyholders are entitled to the following benefits with the Oriental comprehensive car insurance policy:
- Cashless Services: Cashless repairs PAN India through a network of 3,100+ garages for quick and hassle-free claim settlement.
- Fulfils Legal Mandate: By purchasing a Oriental comprehensive car insurance policy, you fulfil the legal mandate of the motor laws of India. According to this mandate, every car owner must have at least a third party car insurance policy to drive legally in India.
- Personal Accident Cover: With a comprehensive car insurance policy, you can also get a personal accident cover of up to Rs. 15 Lakh to cover the death or disability of the owner/driver of the insured car.
- Additional Coverage: The coverage of a comprehensive car insurance policy can also be enhanced by purchasing add-ons like zero dep, NCB protect, consumables cover, etc.
Coverage Under Oriental Comprehensive Car Insurance Policy
- Death, property damages, bodily injuries to the third party involving the insured car
- Theft or burglary of the insured four-wheeler
- Losses to the insured car due to fire, explosion or self-ignition
- Damages to the insured vehicle while it was in transit
- Strikes, riots or any other manmade act causing damage to the insured vehicle
- Losses arising as a result of natural calamities like typhoons, hurricanes, earthquakes, etc.
- Damage caused by an insured vehicle while the driver is under the influence of drugs/alcohol
- Mechanical as well as an electronic breakdown of the vehicle
- No valid driving licence was available at the time of the accident
- Damage caused due to general wear and tear and depreciation of the vehicle
- Damage caused due to nuclear/terrorist/war/mutiny risks
- Damage caused to the vehicle outside the geographical boundaries of India
- Damage caused to the tyres of the insured vehicle
- Damages to the insured vehicle in the event of speed testing, racing, or in the case of safety trials.
Add-ons Under Oriental Comprehensive Car Insurance Policy
The additional covers offered under an Oriental comprehensive car insurance policy are:
- Zero Depreciation Cover
- Engine Protect Cover
- Return to Invoice
- Consumables Cover
- Key Replacement
How to Purchase Oriental Comprehensive Car Insurance Policy?
To buy car insurance policy online, follow the steps mentioned below:
- Visit Policybazaar.com and select “Car Insurance” from the homepage
- Now enter your vehicle number in the form and proceed
- The details of your car will now be auto-fetched
- From the list of plans, select Oriental comprehensive car insurance
- From the list of addons and accessories, select additional covers that you want to include in your plan
- Pay the premium amount using any of the online payment modes
- After successful payment, your Oriental car insurance policy document will be sent to your email address.
Documents Required to Raise Oriental Comprehensive Car Insurance Claim
To raise a claim under Oriental comprehensive car insurance policy, you will need the following documents:
- Vehicle insurance claim form
- Registration certificate of the four-wheeler
- Copy of Police FIR
- Repair bills and estimates of repair
- Vehicle fitness certificate
- Driving licence of the driver
- KYC
FAQs
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Q1. What will be the period of my Oriental comprehensive car insurance policy?
Ans: The coverage period with Oriental Comprehensive Car Insurance Policy is generally 1 year. You can also opt for a multi-year car insurance plan. -
Q2. What type of add-on covers will help me get higher claims with my Oriental comprehensive car insurance policy?
Ans: In addition to your existing Oriental comprehensive car insurance policy, you can opt for add-on covers such as zero depreciation cover, engine cover, and tyre protection cover, to fetch a higher claim amount. -
Q3. Will I still be able to make an insurance claim if someone else was driving my car during an accident?
Ans: Yes, you would still be able to raise a claim with your Oriental comprehensive car insurance policy as the policy does not insure the driver but the car. -
Q4. What do third-party liabilities mean in terms of insurance coverage?
Ans: Your Oriental comprehensive car insurance policy also provides coverage for third-party liabilities. This means that if there is any property or bodily injury caused to a third party involved in the accident, the legal and financial liabilities would be covered by Oriental Insurance Company Ltd. -
Q5. Would I need to pay any amount even after opting for the Oriental Comprehensive Car Insurance Policy?
Ans: Yes, you would be required to pay for the compulsory deductibles and the depreciation amount charged on the parts which were replaced during the repair.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
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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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*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.