Oriental Car Insurance Renewal

The Oriental Insurance Company Ltd. was founded in September 1947. With its head office in

New Delhi, the firm has nearly 31 Regional Offices and more than 1800 operating offices situated across india. The firm has a large employee base with over 14,000 employees offering the best insurance services in India.

Oriental Car Insurance Renewal Premium Calculator

A Premium Calculator is a built-in tool found in the Oriental Car Insurance website that uses a number of parameters to calculate and quote your insurance premium such as:

• For the Renewal of OICL Policies:
  • Enter the existing policy number
  • Enter your policy details
  • Personal Information
• For the Renewal of Non-OICL Policies
  • Enter the existing policy number
  • Enter your policy details
  • Personal Information

We need to provide relevant and correct information to each of the above parameters and the calculator will use the provided information to quote your insurance premium.

Oriental Car Insurance Renewal Procedure

You can buy Oriental car insurance either online or offline depending on your comfort:

• Online:

You can visit the insurance website and after comparing the various policies available, choose one that satisfies your insurance needs. You can make online payment and purchase the insurance policy instantly.

• Offline:

You can also directly approach an Oriental Insurance agent or visit one of the Oriental Insurance offices to collect relevant information, submit documents and buy the insurance policy of your choice.

Oriental Car Insurance Renewal Key Benefits

Renewing Oriental Car Insurance has a number of benefits such as:

• Direct cashless claim settlement in authorised network garages across India
• Discount on insurance premium if you are a member of Automobile Association of India
• You can avail a discount of 25% on OD Premium and TP Premium in case your car is vintage, manufactured prior to 31.12.40 and duly certified by the Vintage and Classic Cars Club of India

Oriental Car Insurance Renewal Features

Oriental car insurance comes with the following features:

• Covers third-party liabilities
• Provides Personal Accident cover for the owner

Oriental Car Insurance Claim Process

Oriental car insurance claim process depends on the kind of mishap that has affected you or your car. Therefore, the claim process vary as below:

• In Case of Third-Party Liability:
  • Contact Oriental Insurance and inform them about the incident
  • Submit the following documents:
    • Copy of the claim intimation,
    • Copy of the insurance policy and premium receipt
    • Copy of the FIR lodged
    • Copy of your Driving licence
    • Copy of vehicle Registration Certificate
  • Provide the following details to the insurer:
    • Statement of the driver
    • Name and address of the police station where the FIR has been filed
    • Name and address of the third-party injured or killed
    • Hospital address where the third-party has been admitted
    • Certified copies of the injury report or post mortem
    • Information of loss incurred to the third party vehicle/property
    • Details of passengers who were travelling in the vehicle, if any

• In Case of Accident:

  • Inform Oriental Insurance about the accident
  • Fill up a claim form and submit it to the surveyor or the nearest branch office
  • Submit the following documents:
    • Copy of the claim intimation
    • Copy of the insurance policy and premium receipt
    • FIR or Police Panchanama
    • Original and copy of your Driving licence
    • Original and copy of your vehicle’s Registration Certificate
    • Estimate of the repairs along with invoice and final bill for the repairs done
  • A surveyor will be sent to assess the damage. Ensure that you note down the name, address and phone number of the surveyor

• In Case of Vehicle Theft:

  • Inform the police and Oriental Insurance as soon as possible
  • File an FIR at the nearest police station
  • Submit the following documents:
    • Copy of the claim intimation
    • Copy of the insurance policy and premium receipt
    • Claim form
    • Copy of the FIR report
    • Copy of the police investigation report
    • Photos or videos of the findings, damages to the vehicle, etc. if any
    • Original and copy of your Driving licence
    • Original and copy of your vehicle’s Registration Certificate
  • You should hand over the keys of your vehicle to the insurer
  • A surveyor will investigate the incident
  • You will have to provide relevant evidence that support your loss such as original bills, invoices, cash memos, bank statement, etc.

• In Case of Natural Calamities:

  • Inform Oriental Insurance about the incident and raise a claim request
  • You need to submit the following documents:
    • Copy of the claim intimation
    • Copy of the insurance policy and premium receipt
    • Claim form
    • Photographs and videos of your damaged vehicle
    • Newspaper clippings of the incident
    • Meteorological report to support your claim
    • Original invoices, repairs and replacement bills, etc.
  • The insurer will sent a surveyor to assess the loss

• In Case of Man-Made Calamities:

  • Contact Oriental Insurance and inform them of the incident and damages incurred
  • File an FIR at the nearest police station
  • Submit the following documents:
    • Copy of the claim intimation
    • Copy of the insurance policy and premium receipt
    • Claim form
    • Copy of the FIR report filed
    • Photographs and videos of the vehicle damage
    • Newspaper clippings of the incident
    • Fire Brigade Report
    • Original invoices and, repairs/replacement bills that provide an estimate of the total loss incurred
  • A surveyor will be sent to assess the loss

Oriental Car Insurance FAQs:

1. Is there a Digital Payment Discount if I buy policies through the online portal?

   Yes, you are eligible for digital payment discounts if you buy the insurance policy through the online portal.

2. What needs to be done if my previous policy has already expired ?

   If your policy has already expired, this implies that a break has occurred in your insurance, therefore you have to invest in a new insurance policy.

3. Is it ok if the insurance continues in the previous car owner’s name even after I have bought the vehicle from him/her?

   You have to transfer the vehicle insurance to your name at the time of sale otherwise your claim, when raised, will be denied.

4. In case I lose the original copy of the insurance policy, can I get a duplicate copy of the same?

   Yes, you can approach the same office where the insurance policy was issued and give a written request for a copy of your insurance policy. You will be charged a nominal fee for the same.

5. How can I add the installed CNG/LPG to my insurance plan ?

   You have to take a prior permission from the RTO, post which you need to register the same with the RTO in order to install the kit. Then, you have to approach any of the authorised Oriental Insurance offices and declare the installation of the kit to them with a copy of your vehicle’s RC. You have to pay an additional insurance premium and they will pass an endorsement for the same. This way the insurance firm will be liable in case you raise a claim.