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. The company provides great and innovative products for its customers. Car insurance is one of them. The company offers a single plan called Motor Package Insurance Policy for 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.

Highlights

Claim ratio

90.68%

Third-party liability cover

Up to 7.5 lacs

Cashless garages

3100+

Table Data updated on 05-11-2020

How To Renew Your Oriental Car Insurance?

Owning a car has become an important part of our daily lives and so does a car insurance policy. If you wish to renew your car insurance plan online, then you can do the same through PolicyX.com or from the official website of the company. Just follow the below-listed steps and you will have a renewed policy within minutes.

Renewal via PolicyX.com

  • Scroll up to the quote section to the 'Compare Car Insurance Quotes Online' section.
  • Provide the car number and click on the tab 'Get Quotes'. You also have the choice to click on 'Proceed without car number' and fill the details to visit the quotes section.
  • You can renew your existing plan or even can buy a new one from the list.
  • Make payment using different payment modes.
  • The company will send the policy documents on your email.

Renewal via Oriental Insurance

  • Visit the Oriental Insurance website and tap on 'Renew Online'.
  • 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.

Key Benefits of Oriental Car Insurance Company

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.

24*7 Assistance

With the aim of assisting the customer in every situation, the company offers 24*7 assistance.

Cashless Services

To make things easier for the customers, the company provides cashless services with the help of network garages.

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 Insurance Company

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.

Oriental Car Insurance Premium Calculation

The premium of car insurance depends on several factors viz. type, make, model, cc, usage, place of registration, past claims history, etc. of the vehicle. You can approach the underwriting office with vehicle details for an exact premium or simply use a car insurance premium calculator. Below are a few premium samples for your better understanding.

Premium Samples

Car Model

Prices

IDV*

Zero Dep cover*

Estimated Premium*

Toyota Camry- Hybrid

Rs.37,89,000

Rs.10,34,179

Rs.3,558

Rs.36,757

Ford Aspire-Sports edition

Rs.5,99,000

Rs.4,03,712

Rs.2,158

Rs.13,962

Renault Kwid- STD (799cc)

Rs.4,49,000

Rs.2,19,708

Rs.879

Rs.7,004

TATA Tiago XE

Rs.4,60,000

Rs.4,23,320

Rs.1,390

Rs.14,398

Table Data updated on 05-11-2020

*The values are calculated on the basis of the city (Chennai) and year of registration (2020).

Oriental Car Insurance: Add on Covers

Below is the list of all add-on covers in which the Oriental Insurance Company deals in.

Nil Depreciation Cover

This feature will allow you to avail the full claim amount without any deduction of depreciation.

Loss of Personal Effects

The loss of personal belongings (except for credit cards, laptops and mobile) up to Rs.5000 or Rs.10,000 as per chosen limit will be liable to get the required cover. You can get the same cover by paying Rs 400 and Rs.650 respectively.

Alternative Car Benefit

Under the same, you will get an alternative car to use in place of your car until it's under repairs. This benefit is payable when the vehicles get damaged beyond 20% of idv and are disabled.

Free Benefit of Emergency Service Through TVS

If your car is insured through the company's offices in the listed states (Delhi & NCR, Punjab, Haryana, Himachal Pradesh, Rajasthan, All-Southern States, Mumbai, and Kolkata), the plan will offer the emergency services in case of breakdown. This is a free benefit available with the policy. There is no need to pay a premium for it.

Oriental Car Insurance Claim Process

To make it convenient for the customers, Oriental Insurance has outlined a convenient process to file a claim. Strictly follow it & the claim amount will be happily walking towards your bank account.

  • Inform Oriental Insurance about the accident/theft/third-party claim. You can do the same by visiting the official website of the company.
  • Login/register your account. The company will demand several details from you such as policy number, date & time of theft/accident, the car's location, insured'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.

Once 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. For more information, you can connect with the team of Oriental Insurance Company.

If you are unable to reach Oriental Insurance, experts of PolicyX.com will be happy to help you out.

Contact Details

Oriental India Insurance Company

Tollfree: 1800118485 I 011- 33208485

Email id: portal[dot]support[at]orientalinsurance[dot]co[dot]in

Registered Address: Oriental House, A-25/27, Asaf Ali Road,

New Delhi - 110002

PolicyX.com Insurance Web Aggregator

Contact number: 1800-4200-269/1800-4203-180

Email id: helpdesk@policyx.com

Registered Address: PolicyX.Com Insurance Web Aggregator Private Limited

1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

FAQ's

1. Can I pay the Oriental car insurance premium online?

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.

2. What types of losses are not covered under Oriental car insurance policy?

The following events or losses are not covered under Oriental car insurance-

  • Wear and tear or ageing of vehicle
  • Mechanical electrical breakdown
  • Consequential loss
  • Intoxicated driving
  • Deliberate accidental loss
  • Any contractual liability
  • Intoxicated driving
  • Driving without a valid licensee

3. What does the Oriental Motor Package Insurance Policy Cover?

The Motor Package Insurance 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:
    • Theft, housebreaking or burglary.
    • Lightning, explosion, self Ignition & fire.
    • Landslide/rockslide, flood, storm, earthquake, strikes, terrorism, riots, etc.
    • Transit by air, lift inland waterways, rail or road.

4. What are the required documents to cancel the Oriental Car Insurance policy?

The documents required to cancel the oriental car insurance plan are mentioned below-

  • Customer request letter
  • Original Policy Copy
  • Alternate policy proof
  • Sale proof of the vehicle
  • NOC from the financer

5. What is the procedure to transfer my insurance?

For the same, you have to reach the nearest branch with supporting documents for the transfer of insurance. Supporting documents include-

  • Sale deed/form 29/30/NOC of the seller
  • Original Policy CopyOld RC copy
  • Transferred RC copy
  • NCB recovery amount

Last updated on 05-11-2020