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Oriental Car Insurance

Car Insurance
  • Get third party cover at low premiums
  • 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 NA
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