"Spending a whole day looking for insurance is fun," said nobody, EVER!

    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
      "Good overall"
      0.5 4.0/5 "Great!"
      Last time I had my two wheeler insurance with Oriental insurance. The process to get the policy is not online so I need to visit them in person and renew my policy. The coverage is good and the features as well. Just that they need to work on the process.
      Was this review helpful? 0
      , chandrapur
      Reviewed on Jul 17, 2018
    • review Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have applied my car insurance through the on line where the car insurance documentation done on line. I am using it since last 6 months. I had a no claiming experience from my insurance. Policy coverage is for B to B. Premium is lower and it is comfortable.
      Was this review helpful? 0
      , rajpipla
      Reviewed on Jul 17, 2018
    • review Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Oriental Insurance was my previous insurer. The customer support is good and there are no hassles in the process. It was pretty convenient to get this insurance. They are good in the policy coverage and there are benefits as well and for the car insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • review Car Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have applied my car insurance through the physically where the executive came at my doorsteps. I am using it since last 7 years. I had a no claiming experience from my insurance. Policy coverage is for B to B. Premium is lower and it is comfortable.
      Was this review helpful? 0
      , anand
      Reviewed on Jul 03, 2018
    • review Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      Oriental Insurance was beneficial the previous year to me. I held a car insurance with them. But this year they have costly premiums and the IDV is also not up to the mark. So I switched over to another insurance provider which had better features.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • review Car Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      My mahaindra shuttle vehicle got insured with Oriental Insurance company, which has the accidental cover, third party cover and other features on comprehensive plan. When my vehicle met with an accident, they gave me cash less service and damage parts got repaired.
      Was this review helpful? 0
      , chidambaram
      Reviewed on Mar 15, 2018
    • review Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Oriental Insurance car value was low and but the premium was high but I though Royal Sundaram premium was reasonable. Last time Oriental Insurance gave me the same features like third party cover and comprehensive features. Even their renewal process is too long.
      Was this review helpful? 0
      , chidambaram
      Reviewed on Mar 15, 2018
    • review Car Insurance
      "Premium should be economical"
      0.5 3.0/5 "Satisfactory"
      Oriental Insurance was also good but only concern about the policy cost its was not economical in the market. Hence I didn't go for the renewal with them again, last time the insurance company gave me the same car policy features as other company.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 13, 2018
    • review Car Insurance
      "service is not up to mark"
      0.5 2.0/5 "Expected more"
      I had applied and got a Car insurance policy from the ORIENTAL INSURANCE, which makes me dis satisfied. I didn't have any proper communication from the customer support that regarding renewing insurance policy. If they intimates me with in due time i may be use that product.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 07, 2018
    • review Car Insurance
      "good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I had a Positive claim experience with the private sector insurance company ORIENTAL INSURANCE. The process for claim is very easy and comfortable. The customer support is good and followup's my claim request until i get the approval. I can prefer to pay online payments to renew my insurance policy with in due time.
      Was this review helpful? 0
      , mandya
      Reviewed on Mar 07, 2018
    • review Car Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      My previous car insurance provider was from Oriental insurance. The insurance policy was good enough but premium amount was a bit high as compared to other policies. I would rate this policy as average, since there are more policies available in the market with good options.
      Was this review helpful? 0
      , tirupur
      Reviewed on Mar 05, 2018
    • review Car Insurance
      "Looking for Better Benefits"
      0.5 3.0/5 "Satisfactory"
      Last time I have taken car insurance through agent in Oriental Insurance. I guess the premium was higher, however they are providing same benefits as others. Customer service was also not upto the mark and I don't think so, they got tie up wider network of garages.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 05, 2018
    • review Car Insurance
      "Process is good. IDV can be better "
      0.5 4.0/5 "Great!"
      Earlier I used Oriental insurance. It was a better process where they would come to the office and brief me about the details and collect the cheque. It was a offline process for the car insurance. I did not renew my policy this time from them as the IDV is not up to the mark.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 03, 2018
    • review Car Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      I have taken car insurance policy previously from Oriental. I was very much satisfied with the policy coverage they are providing even though I never claimed anything but the services are good. My total premium was around Rs. 7,200 and Idv was approx. Rs. 3,25,000.
      Was this review helpful? 0
      , dehradun
      Reviewed on Jan 23, 2018
    • review Car Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Oriental Insurance was also good, last time I paid the premium around Rs. 8000 it was nominal as per the market. They gave me the IDV value around Rs. 3.10 Lakhs with bumper to bumper. But I don't have any claim experience with them. Oriental Insurance got tie up with good garages.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • review Car Insurance
      "Can do better on the IDV"
      0.5 4.0/5 "Great!"
      I earlier took my Car insurance from Oriental Insurance. The customer services are good. It was a convenient process. They had a competitive premium but the IDV is low. It is low when compared to the other insurance companies. So I did not renew my policy on time.
      Was this review helpful? 0
      , kottayam
      Reviewed on Jan 17, 2018
    • review Car Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      My earlier two wheeler policy is with Oriental Insurance. The services was good. Fortunately there was no claim experience. The process was okay to purchase the policy and I also received the documentation on time. They could do better on the benefits and coverage.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 09, 2018
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