Oriental Car Insurance
Oriental Car Insurance
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Oriental Car Insurance

Oriental insurance is a government-owned insurance company established on 12th September 1947. It is a wholly-owned subsidiary of The Oriental Government Security Life Assurance Company Ltd and was founded to run the general insurance business. It is a subsidiary of Life Insurance Corporation of India from 1956 to 1973. In 2003, all shares of the organization held by the General Insurance Corporation of India were transferred to the Central Government. The company is offering great and innovative general insurance products to cater to the different needs of customers.

Oriental Car Insurance Plan

The company offers a single car insurance plan to its customers. This plan is packed with all the essential benefits that a person & his/her car may need at the time of an emergency.

Motor Package Insurance Policy For Private Car

This plan is designed to provide comprehensive coverage for your car. It makes sure that you are getting the required assistance in case of theft/damages that are caused due to man-made or natural disasters. The cost of this plan is very nominal & the benefits are quite impressive which makes it a good choice.

The private car package policy covers:

  • Coverage against accidental loss.
  • Liability to third parties & personal accident cover to owner-driver.
  • Several add-on covers for additional coverage on extra premium.
  • Loss or damage to the private car caused by:
    1. Theft, housebreaking or burglary.
    2. Lightening, explosion, self Ignition & fire.
    3. Landslide/rockslide, flood, storm, earthquake, strikes, terrorism, riots, etc.
    4. Transit by air, lift, inland waterways, rail or road.

Key Benefits of Oriental Car Insurance Company

Easy Claim Settlement

Easy Claim Settlement

A person chooses to buy a car policy for 2 main reasons- financial protection & reimbursement. If both the parameters are not met, what’s the point in buying a policy? In order to never face this question, the company makes it a point to offer easy & smooth claim settlement.

Add-on Covers

Add-on Covers

Additional coverage suits very well with a car insurance policy. In other words, the company offers add-on covers such as roadside assistance, zero depreciation cover, etc. along with the main policy. It always brings a smile on the customer’s face.

24*7 Assistance

24*7 Assistance

With the aim of assisting the customer in each and every required situation, the company is offering 24*7 assistance.

Cashless Services

Cashless Services

To make things easier for the customers, the company is providing cashless services with the help of cashless network hospital and cashless network garages.

Operating Offices

1800+ Operating Offices

The company has 1800+ operating offices across India. This only means one thing- you don’t have to travel milestones to have a face to face interaction with the office peeps.

Trusted Company

Trusted Insurance Company

The company is one of the oldest car insurance companies in India. With the government’s backing and a reputation for offering fair service, this company meets the criteria of being the most trusted company in the industry.

What Is Excluded Under Oriental Car Insurance?

There is always a twist in the story. In car insurance, the twist is exclusions. Oriental car insurance has a dedicated list which can be seen below.

  • Accidents caused by drunk/alcohol influenced driving.
  • Damages to the car occurred outside India.
  • Car damage due to mutiny, nuclear or war attacks.
  • Incorrect license or without one at the time of an accident.
  • Destruction of car due to mechanical/electrical breakdown.

How To Purchase Oriental Car Insurance Online?

Well, the best thing about choosing an Oriental insurance company is its easy online issuance process. Yes, the company allows its customers to take advantage of its car insurance policy through the online mode as well.

The online buying process is very easy and it can provide several benefits to you such as instant issuance of the policy, discounts, convenience, etc. To apply online, you have to first visit the company’s website, enter all the necessary details, choose the best quote available & make the payment.

After making the payment, you will get a confirmation message (within a few minutes). Also, the soft copy of the policy will be sent to your email id which is registered with the company.

How To Renew Oriental Car Insurance?

Just like buying Oriental car insurance, renewing it is a piece of cake. Just follow the below-listed steps and you will have a renewed policy within minutes.

  • Visit the Oriental Insurance website and tap on ‘Renew’.
  • Enter your policy number and tap on ‘Renew Now’.
  • Check the premium amount and pay the same.
  • Once the payment is done, you will receive a soft copy of the policy on your mail.

Why Is It A Great Idea To Buy/renew Oriental Car Insurance Online?

If Tim Berners-Lee was alive today, he would have been surprised to see how his invention (internet) is used to purchase/renew car insurance. Certainly, technology has advanced in time, with the sole benefit of offering comfort to humankind. Instead of standing in long queues waiting for your chance, you can buy policies online. You just need a device (PC/mobile/laptop), stable internet and the policy is yours. But comfort is not its only benefit. There are others waiting for your eyes to take a look at them. And here they are:-

  • Comparison- How amazing will it be if your purchase gives you maximum benefits? When you log on to a company’s website, you get a chance to look at different plans (by different companies) that offer great benefits, that too at reasonable prices. This will not happen if you approach an agent to buy a policy. He/she won’t brag about other providers.
  • Discounts- Indian consumers love the word ‘Discounts’. Well, online policy buying will guarantee the same. When you go for online policy buying, a company saves a ton in distribution charges. No middlemen, no extra payment. So, a portion of that cost is given to the customer as a discount.
  • Quick renewal- If your policy is not expired, its renewal process will hardly take a few minutes.
  • Online stockroom- People forget/misplace things. It is becoming quite common these days. So, companies came up with a solution to minimize our worries. If you buy/renew a policy from the company’s website, it will store your policy in a safe place. If you need a copy for the same, just download it from the website.

Claim Process

Perhaps, this is the most important part of a car policy. Why? You buy a policy to get the claim, isn’t it? To make it convenient for the customers, insurance providers have outlined a process to file a claim. Strictly follow it & the claim amount will be happily walking towards your bank account.

  • To break the ice, inform Oriental Insurance about an accident/theft/third-party claim.
  • The company will demand several details from you such as policy number, date & time of theft/accident, the car's location, insurer’s name & contact number, etc.
  • You have to submit a claim form along with various documents such as photocopies (of driving license, policy & RC), car’s photos, survey reports, damage estimates, bill of final repair, FIR report, No Trace Report, etc.

After this is done, the surveyor/company’s executive will check the damages, get the repairs done in Oriental’s cashless garage and release the claim in no time.

Oriental Car Insurance Review

The demand for car insurance is high and the supply of trusted insurance providers is less. So, people take a leap of faith in new providers hoping to get the desired results. Sadly, they are wrong. Now, there is no need to do that. Oriental insurance comes out as one of the best options to buy car insurance. The claim ratio, 24*7 after-sale service & others make it one of the trusted options for your car insurance purchase.

Faq's

You can renew the existing policy online or by visiting the office. Please contact the concerned office to know the exact premium and pay it to the same office. Do not send your premium to any other office or the Regional Office/Head Office. You can also log on to our portal and register yourself as our customer and renew package policies of private cars and two-wheelers from the portal itself.

Yes, it is completely possible. You have to submit a fresh proposal. The office can also take physical inspection of the vehicle and other formalities, that depends upon the situation. Please contact the nearest office or the branch for assistance.

Yes, you can buy and renew policies online from Oriental Insurance Company Limited. All you have to do is register online as a customer on the portal by providing basic details. After registering, you will have access to several features under Customer's Dashboard.

Premium depends on several factors viz. type, make, model, cc, usage, place of registration, past claims history, etc. of the vehicle. Therefore approach our underwriting office with vehicle details for exact premium.

To provide a hassle-free experience, Oriental insurance company is offering an easy process through its online website and toll-free number. You can simply contact and can register the claim and the team will be there with the much-required assistance.

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Last updated on 03-01-2020