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  • Oriental Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Established in 1947, Oriental Insurance Company is a market leader in insurance solutions. With 31 offices and more than 1,800 operating branches across India, Oriental is one of the most preferred insurance partners. Car insurance is one of their products along with personal accident insurance, health insurance and other policies that cater to various sectors.

    Car Insurance Online from Oriental Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages NA
    Incurred Claim Ratio 2016-17 126.66%
    Net Earned Premium NA
    Covers Provided
    • Depreciation cover
    • Loss of personal belongings
    • Alternative car
    • Emergency services
    Features
    • Quick claim settlement
    • Instantaneous purchase
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • East online transactions- Oriental Insurance offers customers the ease of transacting online. Be it purchasing the policy, renewing it or migrating from one policy to another, everything can be done at the click of a button.
    • Customized plans- There are various plan options available to customers. A liability only plan can be chosen or a comprehensive private car insurance plan can be chosen with various options for add-on covers.
    • Easy claim settlement- The claim settlement process is hassle-free and claims can be easily made online or through the company’s toll-free number. All claims are settled in an efficient manner without any delays.
    • Discounts- Policyholders are eligible for a host of discounts such as the automobile association discount and no claim bonus. Those with an anti-theft device are also eligible for an addition special discount.
    • Mobile app service- To make the navigation process more easier and on-the-go for the policyholder, Oriental Insurance also provides mobile application services to consumers. All services such as purchase, renewal etc can be done successfully using the mobile app.

    Easy Steps To Apply for Oriental Car Insurance

    • Log on to the Oriental General Insurance website and go to the home page.
    • On the home page, click on the ‘Buy Online’ option and choose the ‘Motor Insurance Policy’ section.
    • Once you reach the motor insurance section, all you have to do is fill in details, both personal and car details.
    • You will get an insurance premium quote.
    • If you are happy with the quote, you can immediately buy the policy online.
    • The policy documents will be shared with you soon.

    Why Oriental Car Insurance

    Easy purchase
    Hassle-free claim settlement
    Variety of add-on options
    No claim bonus
    Depreciation cover
    Third-party cover

    Add-on covers on Oriental Car Insurance

    Oriental Insurance provides a wide range of add-on covers. Let’s explore the cover options:

    • Zero depreciation cover- In case a claim is made at the time of an accident or an unfortunate event, the policyholder will be eligible to avail the entire cost of expenses towards repair including the loss that has occurred due to depreciation.
    • Personal belongings cover- Claims can be made up to a maximum of Rs10,000 for any loss of personal belongings that were locked out in the car during an accident or theft incident.
    • Vehicle benefit plan- In case of an unfortunate event, the insurance company will provide the policyholder the benefit of using an alternative vehicle for a fixed period of time until the vehicle in concern is repaired and in a condition to be used. This facility can be availed for 15 days.
    • Emergency services- Policyholders will be eligible to avail repair and workshop services at the time of emergencies. This add-on option is a good choice to keep you equipped and safe on the road.

    Inclusion & Exclusion on Oriental Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
      War related risks
      Consequential loss
      Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - Oriental Car Insurance

    • For any vehicle that is less than or equal to 5 years of age, the sum assured, which basically refers to the total amount payable at the time of a claim. This is termed as the Insured Declared Value (IDV).
    • The IDV is usually determined by the manufacturer's selling price or marked price.
    • For a vehicle that is older than 5 years, the IDV amount is usually an amount that has to be agreed upon by the insurance provider and the policyholder. Below is a sample table of if IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    Oriental Car Insurance Cashless Garages

    Customers can avail direct services from the empanelled list of cashless network garages available through Oriental insurance. To locate the nearest network garage, please log on to their website and click on the ‘Locator’ option. Then click on, ‘workshops providing cashless facility’. This will take you to the page where you can easily locate the nearest garage.

    Claim Process for Oriental Car Insurance

    Depending on the type of incident that has occurred, the claim process will vary accordingly. In case of third-party liability, it is always wise to inform the police and file an FIR. The same applies even in the case of an accident or theft. The amount of loss needs to also be determined in case of a theft or an accident. For other types of damages caused due to natural calamities such as earthquakes, cyclones, floods, etc, you may be required to submit proof of the incident through newspaper cuttings, weather reports, and photographs of damage to claim reimbursement. In case damage is caused due to riots or other antisocial activities, reimbursement can be claimed provided an FIR is filed along with adequate proof of the incident. A fire brigade report needs to be submitted in case damages are caused due to fire or explosion.

    Claims can be made easily through the toll-free number or online, through the company’s website. It is required to keep basic documents in place such as driving license, RC book, policy documents, etc.

    Cashless Claim Process for Oriental Car Insurance

    Let’s explore the cashless claim process:

    • Cashless claim services can be availed at the specified network garage during an emergency. All you have to do is avail towing services from the accident spot to the nearest network garage.
    • Once this is done, it is always a wise option to inform the insurance provider at the earliest.
    • Once the vehicle is repaired, the billing and payment will be done by the insurance provider directly to the concerned network service provider.

    Reimbursement Claim Process for Oriental Car Insurance

    Let’s explore the reimbursement claim process:

    • To claim reimbursement, remember that you are basically asking a refund for an already incurred expenditure. So, the first and most important step is to keep all bills and invoices ready.
    • Fill in the duly signed claim form
    • Submit the form along with all required documents and bills
    • The reimbursement will be made within 7 working days

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    Oriental Car Insurance Reviews

    • review Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Oriental Insurance is also good in the car insurance. The customer support is fine and there are no hassles in the process. My car policy was with them last year and the policy coverage value was good. The premium is nominal and it was a smooth process overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • review Car Insurance
      "Satisfactory policy"
      0.5 4.0/5 "Great!"
      I don't have any claim with them. Its totally hassle free policy. I do not have any experience cashless garages facility. Simply i just want to change company hence i moved to different company. I don't have any idea about the coverage amount. This is s a comprehensive policy hence its covers for the car, driver and passengers.
      Was this review helpful? 0
      , palakkad
      Reviewed on Oct 31, 2018
    • review Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      Because of the sum assured is very less and the premium is very high this is the reason for moved to other company. I have never called the customer care service. Through online i have purchased the policy. I pay the premium through online and the amount of Rs, 16000 and i got a coverage value of Rs. 7 lakhs and I'm glad about it. This is also zero dept policy and covered for all the things like bumper to bumper, electronic items, passengers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 30, 2018
    • review Car Insurance
      "Yet to experience the policy"
      0.5 3.0/5 "Satisfactory"
      The company is not having a proper customer care service. Since its a Government company, i have purchased this policy with Oriental. Because of the premium amount i have not continue the policy with the same company. I have got a coverage amount of Rs. 1.20 lakhs and i made a premium amount of Rs. 26000. I had no troubles with this policy
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 30, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I've been using Oriental car Insurance for more than two years. I'm really happy about this policy has taken without any hassles. I bought this policy for my Maruti Suzuki Ritz car and I'm a full satisfied customer of Oriental car Insurance. I will not recommend this policy to anyone.
      Was this review helpful? 0
      , patna
      Reviewed on Oct 29, 2018
    • review Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      There is no policy is cheaper in oriental insurance. My dealer has provided the car insurance policy with oriental. I pay the premium amount of Rs. 8 K approximately. At the time they have given me a coverage amount of Rs. 4 lakhs and i'm happy about it. Accidental and theft coverage is available.
      Was this review helpful? 0
      , vyara
      Reviewed on Oct 29, 2018
    • review Car Insurance
      "Good Protection for Four wheeler"
      0.5 4.0/5 "Great!"
      I am having seven years old Maruthi swift car it got insured with Oriental insurance. The premium amount is economical based on the market price. I have taken comprehensive plan its a bumper to bumper coverage. I can avail the NCB features if I don't use the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 29, 2018
    • review Car Insurance
      "Not Good Policy"
      0.5 3.0/5 "Satisfactory"
      Oriental insurance is not having a tie up with Ford showroom thats the reason i have not continued with the same company. When i approach the ford showroom for th renewal, they asked me to visit the Oriental branch office for the renewal since they don't have tie up with.I made a premium amount of Rs. 10,500. I have not received any reminder call regarding the renewal.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 24, 2018
    • review Car Insurance
      "Best company to avail commercial car policy"
      0.5 5.0/5 "Blown Away!"
      My vehicle clashed with another vehicle then it got damaged, within 24 hours, the survivor appointed and they took photos, then I send the vehicle repair in cash less service. But Oriental insurance cover is lower than Reliance. However I have taken commercial plan its include cover for fiber, glass etc.
      Was this review helpful? 0
      , bokaro
      Reviewed on Oct 23, 2018
    • review Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      Till now i have not contacted their customer care people. With the coverfox website i have purchased this policy. When i purchase the policy, the IDV value was good and the premium amount was less hence i have taken this policy. Since it was a comprehensive policy, I made a premium amount of Rs. 7000 nearly. I never applied for any claim so far.
      Was this review helpful? 0
      , pauri garhwal
      Reviewed on Oct 23, 2018
    • review Car Insurance
      "Good Experience"
      0.5 4.0/5 "Great!"
      I had better time with Oriental Insurance, totally I have 25 years of experience with them. The premium is also economical when it compared to other company. I never had any issue with them. Hope they have cash less garages and no claim bonus.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 22, 2018
    • review Car Insurance
      "Need scope of improvement"
      0.5 3.0/5 "Satisfactory"
      Oriental Insurance Service is not good, hence I switched over to Royal sundaram this time , If the customer service is good though the premium is high, can go ahead with them. But it was not upto the mark as they are least bother about the customer's issues.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 19, 2018
    • review Car Insurance
      "No experienced of any claim settlement"
      0.5 3.5/5 "Pretty good"
      I have not experienced of any claim. Last 1 year, i have used the oriental car insurance. They have offered me a coverage amount of Rs. 2 lakhs and all the parts has been covered in this policy. According other companies the oriental is the best one so far. I made a premium amount of Rs. 6400. This is a zero depreciation policy.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 08, 2018
    • review Car Insurance
      "Go online"
      0.5 5.0/5 "Blown Away!"
      I didn't get a online policy renewal option hence i have moved to some other company. One of colleague has refereed this oriental insurance policy to me. I have made a premium amount of Rs. 8000 approximately. They have offered me a cashless garages, road side assistance and all. Last year, i have taken this policy for me.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 08, 2018
    • review Car Insurance
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      Its a semi govt organization, the service level was not upto the mark in Oriental Insurance, but the coverage, brand value, tie up of networks are really good. It would be great if they improve of service part, other than that premium amount is lower.
      Was this review helpful? 0
      , aligarh
      Reviewed on Oct 05, 2018
    • review Car Insurance
      "Excellent Policy"
      0.5 5.0/5 "Blown Away!"
      While I was searching for the car policy with best premium and best IDV value. Union bank of India have suggested me Oriental car insurance. I paid the amount of Rs.10,000 for 4.25 lakhs for IDV value with zero deprecation for driver and passenger. Its really best and also their executive was very helpful to me to activate the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 03, 2018
    • review Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      Its been 3 years continuously my car insurance policy with Oriental insurance. I pay the premium of Rs. 17000 which is covered for 100% with a benefit of bumper to bumper facility. I have got a road side assistance, no claim bonus. This policy is covered for owner as well. While i purchasing the car, my dealer has provided me this policy.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 25, 2018
    • review Car Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I have previously used the car insurance policy with Oriental Insurance where i have used this for 3 years where i have met with an accident and they refused to give the claim. Premium is higher and the IDV value is lower when compared to the others.
      Was this review helpful? 0
      , muzaffarpur
      Reviewed on Sep 22, 2018
    • review Car Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have purchased the car insurance policy with Oriental Insurance and used for 1 year but the premium is higher when compared to the others so i have discontinued with this policy. I have not experienced with claim but they have provided the coverage of basic. I have purchased this through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "Good services"
      0.5 4.0/5 "Great!"
      In January 2017, I have purchased this car insurance policy with Oriental insurance. Around 10 K i have paid as a premium amount. They have provided any additional benefit of 24*7 helpline and car towing service. I'm not sure about the IDV value. My friends recommended about this car insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
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