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Oriental Two Wheeler Insurance

Given how hard it is to navigate through Indian roads, more and more people resort to two wheelers and bikes. It’s fuel efficiency, low prices and attractive styles offer great benefits to the consumers. However, bike riders are at a huge disadvantage when sharing the roads with other automobiles. Bikes are more prone to accidents, as per statistics.

So, in order to get complete protection, two wheeler insurance is a must. Protect yourselves on the move. Getting a two wheeler insurance is very easy. Thanks to increasing two wheeler insurance campaigns online. Oriental Two Wheeler Insurance recognizes the basic requirements of two wheeler riders and offers a wholesome protection plan.

A pioneer of General Insurance products, Oriental insurance company was founded way back in the year of 1947. It started out as a subsidiary of Life Insurance Corporation of India and has eventually branched out. Now Oriental Insurance has 1800+ operating offices in the various cities of India. The company also has overseas operation in Nepal, Dubai and Kuwait. It offers several insurance products to cater to the all the varies needs of the people.

Key Features of Oriental Two Wheeler Insurance

  • Coverage for one year. Shorter duration covers are also available
  • The company has its own online portal for online purchase, renewal or migration of two wheeler insurance plans
  • No paperwork required
  • Avail coverage for co-passengers
  • Comprehensive coverage includes mandatory third party liability coverage and own damage coverage with additional add-on covers at extra premium amount
  • The IDV or Insured Declared Value will be the sum insured amount for the vehicle
  • Assortment of discounts available on premium
  • No-Claim bonus discount can be availed if there has been no claim made in the previous year

Coverage of Oriental Two Wheeler Insurance

Third Party Liability – Coverage for expenses incurred due to third party damage and coverage for liability to property or third party victim

Personal Accident Cover – To protect the owner or driver of the two-wheeler this covers for personal expenses incurred due to death or disablement

Loss or damage to two wheeler caused by natural calamities of earthquake, flood, storm, landslide, inundation, fire, explosion, self-ignition

Loss or damage to two wheeler caused by man-made calamities like burglary, theft, accident, riot, terrorism, transit by road, rail, air, waterways and other malicious acts

Add-on Coverage of Nil Depreciation, Loss of Private Belongings, Alternative Car Benefits

Advantages of Oriental Two Wheeler Insurance

  • Free Benefit of Emergency Service Through TVS – In the event of any breakdown, avail emergency services for free.
  • Avail Cashless claims service at partner workshops across India
  • Hassle-free claim settlement process and customer service support
  • Comprehensive coverage with maximum protection
  • Customize your two wheeler insurance plans as per your needs and requirements
  • Buy and renew your policy with ease at their online portal
  • Attractive Discounts offered on the premium amount at competitive rates

Discounts Offered by Oriental Two Wheeler Insurance

1. Voluntary Deductible – The particular share of amount that the policy holder agrees to pay from his own pocket during the event of any claim. The higher the voluntary deductible, the greater the discount on premium

Voluntary Deductible Discount Percentage on the Premium
Rs. 2,500 20% on the own damage premium, up to Rs. 750
Rs. 5,000 25% on the own damage premium, up to Rs. 1,500
Rs. 7,500 30% on the own damage premium, up to Rs. 2,000
Rs. 15,000 35% on the own damage premium, up to Rs. 2,500

2. Anti-Theft Device – If you have installed anti-theft device in your vehicle, you can be eligible for a discount of up to 5% on the premium

3. Automobile Association Discount – If you are the member of the Automobile Association of India, avail discount on your premium

4. No-Claim Bonus – For every claim-free year, avail a no claim bonus on your renewable premium each year

Add on Covers of Oriental Two Wheeler Insurance

1. Nil Depreciation Cover – The depreciation rate based on the age of your vehicle will not be applied at the time of making any claim. This coverage waives the depreciation factor, and you can avoid out of pocket payments by opting for it.

2. Cover for Loss of Private Belongings – If you loose personal belongings like cell phones, computers, tablets, i-pod, etc. within the price range of Rs.5000 to Rs.10,000, receive compensation for the same as per the terms and conditions of the coverage.

3. Alternative Car Benefit – If your vehicle is not usable for a certain period of time due to extensive repairs, oriental insurance offers you a substitute vehicle for as long as 15 days with a per day limit of Rs. 400 or Rs.650

Claim Settlement

Follow the right process in the event of any accident:

  • Note down the vehicle numbers and contact information of the person involved or witnesses. File a FIR at the nearest police station with these details along with the damages incurred
  • Get in touch with the customer service department of Oriental Insurance. The staff will assist you with the right procedure to submit the claim
  • For cashless claims, submit all the documents at the garage. The costs will be calculated, and the claim amount will be approved and settled to the garage directly. Any excess amount is to be borne by the policyholder.
  • For other claims, get all the bills related to repair and damage of your vehicle from the garage. Submit all the bills and other documents to the company. The company will reimburse for the expenses and settle the amount with you.

Your claim for coverage can be rejected if falls into the below-outlined exclusions

  1. If the driver causes any damage and does not hold a valid driving license
  2. If the accident occurred due to mechanical or engine failure
  3. If the driver is found to be driving under the influence of any intoxication
  4. If your bike is not used under proper circumstances - bike rented out, utilised for tests or races
  5. If the vehicle is spoilt during attempted robbery unless the vehicle itself is stolen
  6. Loss or damage of bike due to war, nuclear or mutiny risks
  7. Damage outside India unless extra premium is paid for International use at Nepal, Bhutan, Pakistan, Sri Lanka and Maldives
  8. Gradual Damage to tyres or tubes (Claim can be accepted if damage incurred due to any accidents up to 50% of its value)
  9. In case vehicle’s value reduces with age due to Depreciation Loss or any other consequential loss

How to Buy Oriental Insurance Online?

For the convenience of all consumers, Oriental insurance is available for purchase online, and also policies can be renewed at their portal. By following simple steps, customers can save their time and by a policy sitting in the comfort of their home. There are no middlemen or agents; you can customize your plan as per your preferences. You can calculate the premium amount that you are liable to pay with the help of the online tools.

  1. Select the buy now option from the company’s website
  2. You will be led to the Insurance Details page where you need to type your personal details accurately
  3. Then with your details, your premium will be calculated and you will be taken to the premium calculation page
  4. Once the calculation is done, the final amount payable will be populated
  5. To proceed select pay now and you can pay with Visa/Master card or net banking options
  6. Once the payment is processed through the protected payment gateway, you will be taken to the confirmation page. Congratulations! You have effectively purchased your insurance policy for a two-wheeler
  7. A soft copy of the insurance policy will be sent to your registered mailing address
  8. An intimation in the form of SMS notification will also be sent out to your registered mobile number
  9. You will also have your own login credentials for your account at the portal, so that you can renew your policy easily the next time

Buying oriental insurance policy online is quick and efficient, with such a hassle-free and smooth process.

Oriental Two Wheeler Insurance - FAQ's

1. What kinds of two wheeler policies are available online?

There are two basic policies offered by Oriental Insurance.
1. Liability Only – This insurance is mandatory for a two wheeler and offers coverage only for third party liability
2. Package Policy – In addition to liability only policy, own damage coverage is also offered in this policy

2. How is the insurance premium calculated?

The premium is calculated based on several factors which include the IDV of the vehicle, it’s cubic capacity, zone of registration, age of the two wheeler and add-on covers opted for. The IDV of the vehicle is nothing but the manufacturer’s listed selling price minus the depreciation of the vehicle based on its age.

3. How much would the policy pay if the vehicle gets stolen?

If the bike is stolen and all the due claim settlement process is followed thoroughly, then the total sum insured amount or the IDV of the bike is reimbursed to the customer.

Customer Reviews

Write A Review

May 21, 2018


Made a claim last month and got the amount as initially promised. The help was there when I needed it. thankyou.

April 30, 2018


Got a really good discount on my Scooty insurance policy.

April 29, 2018


My Son drives his bike to work. I took this Oriental Two Wheeler Insurance for him.


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