Oriental Car Insurance is a well-established insurance provider in India that has gained a reputation for its comprehensive car insurance policies. The policies offered by Oriental Insurance are known for their affordability and reliability, making them a popular choice among car owners in India.
One of the key features of Oriental Car Insurance is its comprehensive coverage, which includes protection against third-party liabilities, damages caused by natural calamities, theft and accidents. Moreover, customers can opt for additional add-ons to enhance their coverage, such as engine protector, personal accident cover, zero depreciation cover and more.
The engine protector add-on provides coverage for damages caused to the car's engine and its parts, while the personal accident cover provides financial assistance in the event of injury or disability. The zero depreciation cover ensures that the policyholder is reimbursed for the full value of the car's damaged parts without any depreciation deducted.
Another advantage of Oriental Car Insurance is its extensive network of garages across the country. The company has tie-ups with more than 3,800 garages, which makes it convenient for policyholders to get their cars repaired in case of damage. Additionally, the company offers 24x7 customer support to ensure that customers can reach out for assistance at any time of the day or night.
With its extensive coverage, additional add-ons, and vast network of garages, Oriental Insurance has become a preferred choice for car owners in India.
Oriental Car Insurance offers a host of features and benefits to its customers. Here are some of the key features of Oriental Car Insurance Online:
Ease of documentation: One of the biggest advantages of buying Oriental Car Insurance online is the ease of documentation. The entire process can be completed in just a few clicks without the need for physical documents.
Comprehensive coverage: The policy provides comprehensive coverage for your car, including protection against third-party liabilities, damage to your vehicle, and personal accident cover for the owner-driver.
Add-on covers: The policy offers a range of add-on covers that can be customized as per the customer's requirements. These include zero depreciation cover, engine protector, roadside assistance, etc.
Cashless claim settlement: Oriental Car Insurance has a vast network of cashless garages across India, making it easy for customers to avail of cashless claim settlement in case of an accident or damage to their car.
No-claim bonus: Customers who do not make any claims during the policy period are eligible for a no-claim bonus, which can reduce the premium amount for the next policy period.
24/7 customer support: Oriental Car Insurance provides round-the-clock customer support through its toll-free number and online chat support.
Oriental Car Insurance offers a range of add-on covers that can be added to the base policy for enhanced protection and coverage. Here are some of the most popular add-ons available for Oriental Car Insurance:
Zero Depreciation Cover: This add-on ensures that the policyholder gets the full claim amount without factoring in the depreciation of the car. This add-on is particularly useful for new cars.
Engine Protector: This add-on provides coverage for damages to the engine of the car due to water ingression, leakage of lubricating oil, or other similar incidents. This add-on can be particularly useful in areas with heavy rainfall.
Roadside Assistance Cover: This add-on provides 24/7 assistance in case of breakdowns, flat tires, accidents, or other emergencies. The policyholder can avail of services such as towing, fuel delivery, and even hotel accommodation in case of a breakdown.
Return to Invoice Cover: This add-on ensures that the policyholder receives the full invoice value of the car in case of total loss or theft of the car. This add-on is particularly useful for new cars as the value of the car depreciates significantly in the first few years.
Personal Accident Cover for Passengers: This add-on provides coverage for passengers in the car in case of an accident. The coverage is usually offered as a lump sum amount and can be used for medical expenses or other related expenses.
Consumables Cover: This add-on provides coverage for the cost of consumables, such as engine oil, coolant, brake oil, etc., that may need to be replaced in case of an accident or damage to the car.
Key Replacement Cover: This add-on provides coverage for the cost of replacing lost or damaged car keys. This add-on can be particularly useful in case of theft of the car.
Tyre Protector Cover: This add-on provides coverage for damages to the car's tyres due to punctures, cuts or bursts. This add-on can be particularly useful in areas with poor road conditions.
Knowing how to file a claim is crucial when it comes to having OrientalCar insurance. It can help you avoid unnecessary stress and get your car repaired or replaced quickly in case of any unfortunate event.
The process of filing a claim starts with reporting the incident to the insurance company as soon as possible. This is important as it allows the insurance company to investigate the claim and provide you with the necessary assistance. In general, there are different scenarios when a claim request can be raised, such as:
Accidents: This is the most common scenario when a claim request can be raised. It covers the damage caused to your car due to accidents caused by third parties or yourself.
Natural Disasters: Natural disasters such as floods, storms, and earthquakes can cause significant damage to your car. Therefore, you can file a claim to cover the costs of repairing or replacing the vehicle.
Theft: If your car is stolen, you can raise a claim to get reimbursed for the vehicle's market value.
Fire: In case of a fire incident, you can file a claim for the damages caused to your car.
To file a car insurance reimbursement claim, you can use the following avenues:
Website: Visit the insurance company's website and navigate to the "Claims" section. Follow the instructions provided to file a reimbursement claim.
Phone: You can also file a reimbursement claim by calling the insurance company's customer service helpline at their toll-free numbers: 1800118485 or 011-33208485.
To file a reimbursement claim, follow these steps:
Report the incident: Contact the insurance company as soon as possible to report the incident that led to the reimbursement claim.
Submit required documents: The insurance company will ask for specific documents, such as the police report, repair bills, and other relevant documents. Submit these documents to support your claim.
Wait for approval: The insurance company will investigate your claim and determine whether it is eligible for reimbursement. Wait for the approval before proceeding further.
Receive reimbursement: If your claim is approved, the insurance company will reimburse you for the expenses incurred as per the policy terms and conditions.
Documents required for a cashless claim:
Insurance policy document
Registration certificate (RC) of the vehicle
FIR in case of theft or major accident
Cashless request form
Estimate of repairs from the garage
Documents required for a reimbursement claim:
Insurance policy document
Registration certificate (RC) of the vehicle
FIR in case of theft or major accident
Repair bills and payment receipts
Cash receipt of the amount paid for repair
Claim form duly filled and signed
There are several reasons why an Oriental Car Insurance claim can be rejected, including:
Non-disclosure of important information at the time of policy purchase
Driving without a valid license
Damage caused due to a deliberate act or negligence
Failure to report the incident to the insurance company within the specified time frame
Using the vehicle for commercial purposes without informing the insurance company
Filing a fraudulent claim with false information or documents
If you have Oriental Car Insurance, you can enjoy a no-claim bonus if you do not make any claims during the policy period. The bonus amount can range from 20% to 50% of the premium, depending on the number of claim-free years. To be eligible for the no-claim bonus, you must not have made any claims during the policy period. If you decide to switch to another insurance company, you can transfer your no-claim bonus to the new insurer. If you make a claim, the no-claim bonus will be reduced as per the policy terms and conditions.
A car insurance premium calculator is an online tool that helps you estimate the premium you need to pay for your car insurance policy. It is a simple and user-friendly tool that provides you with an approximate premium amount based on your input. The calculator uses various factors such as car make and model, age, location and driving history to calculate the premium.
Using a car insurance premium calculator is easy and can be done in a few simple steps. First, you need to provide some basic information about your car, such as its make and model, age, and fuel type. You also need to provide information about your location, such as the city you live in, and your driving history, such as the number of accidents or traffic violations you have had in the past. Once you have entered all the required information, the calculator will give you an estimate of the premium you need to pay for your car insurance policy.
Using a car insurance premium calculator has several benefits for car owners, including:
Saves time and effort: Instead of contacting multiple insurance companies to get quotes, a car insurance premium calculator can give an estimate of the premium within a few minutes. This saves time and effort and allows you to make an informed decision about your car insurance policy.
Comparison of policies: The calculator allows you to compare different insurance policies and premiums to find the one that best suits your needs and budget. This helps you make an informed decision and get the best possible coverage for your car.
Saves money: By comparing different policies and premiums, car owners can choose an insurance policy that provides the best coverage at the lowest premium. This not only saves money but also ensures that you get the best possible coverage for your car.
Helps in budget planning: By knowing the estimated premium amount, you can plan your budget accordingly and avoid any surprises or unexpected expenses in the future.
Transparency: The car insurance premium calculator provides transparency in the premium calculation process. Car owners can see how different factors, such as car make and model, age, location, and driving history, affect their premiums. This helps you understand the premium calculation process and make an informed decision about your car insurance policy.
Easy to use: Car insurance premium calculators are user-friendly and easy to use. You can enter your details and get an estimate of the premium within a few minutes without any hassle.
Oriental Insurance has a website where customers can find information about their insurance policies, make payments, and file claims. Customers can also reach out to the company's customer care number at 1800-11-8485 or 011-33208485 for any queries or assistance related to their insurance policies.
The policy document is an important document that captures all the details related to a car insurance policy. It is a legal agreement between the policyholder and the insurance company and outlines the terms and conditions of the policy.
The policy document contains important information, such as the policyholder's name and contact details, the details of the insured car, the type of coverage provided, the premium amount and the policy period. It also includes the terms and conditions of the policy, including the inclusions and exclusions of the policy, the claim process and the circumstances under which the policy can be cancelled.
The policy document is important as it serves as proof of insurance coverage and provides clarity on the terms and conditions of the policy.
To download the Oriental car insurance policy online using the policy number, follow these steps:
Visit the official website of the Oriental Insurance Company.
On the homepage, click on the 'Customer Support' tab.
From the dropdown menu, select the 'Policy Download' option.
You will be redirected to a new page where you will be prompted to enter your policy number.
After entering the policy number, click on the 'Search' button.
If the policy number entered is correct, the policy document will be displayed on the screen.
Review the policy document, and if everything is correct, click on the 'Download' button.
The policy document will be downloaded in PDF format, which you can save or print for future reference.
In case of any issues or errors, you can contact the customer support team of Oriental Insurance Company for assistance.
To get a hard copy or physical copy of the Oriental car insurance policy, follow these steps:
Contact the customer support team of Oriental Insurance Company through their toll-free number or via email.
Inform them that you want a hard copy of your car insurance policy.
Provide your policy number and other necessary details to the customer support executive.
The executive will verify your details and confirm the request for a hard copy of the policy.
You will be asked to provide the address to which the hard copy of the policy should be sent.
Once you provide the address, the customer support executive will inform you about the estimated time for delivery.
The hard copy of your Oriental car insurance policy will be delivered to your provided address.
If you want to make changes to your Oriental car insurance policy document, you can do so by following these steps:
Contact the customer support team of Oriental Insurance Company through their toll-free number or email.
Inform them about the changes you want to make to your car insurance policy.
The customer support executive will guide you through the process and explain the necessary steps you need to take.
You may be asked to provide additional information or documentation to support the requested changes.
The customer support team will verify your details and provide you with a revised policy document reflecting the requested changes.
Some common changes you can make to your Oriental Car Insurance Policy include updating your personal information, adding or removing a driver, changing your policy coverage, and updating your vehicle information.
It is important to keep your car insurance policy document up to date and accurate to ensure that you are adequately covered in case of any unforeseen circumstances.
The Oriental car insurance policy needs to be renewed on an annual basis to ensure that the policyholder continues to enjoy the benefits of the insurance policy. The Oriental car insurance policy renewal can be done 30 days before the policy expiry date.
The benefits of renewing an existing car insurance policy with Oriental Insurance Company include:
Continuity of Coverage: Renewing your car insurance policy ensures that you continue to have coverage for any unforeseen events that may occur during the policy period.
No Claim Bonus (NCB): Renewing your car insurance policy on time helps you retain your NCB, which can result in significant savings on your premium payments.
Hassle-Free Process: The renewal process for the Oriental car insurance policy is simple and hassle-free.
To renew your Oriental car insurance policy, follow these steps:
Visit the official website of Oriental Insurance Company.
Click on the 'Renew Policy' tab on the homepage.
Enter your policy number and other details.
Verify the policy details and coverage.
Make the payment online using a debit card, credit card or net banking.
Once the payment is successful, you will receive a confirmation message.
The renewed policy document will be sent to your registered email id
Third-party car insurance is a type of car insurance that provides coverage for damages or injuries caused to third-party individuals or their property in case of an accident involving the insured car.
Third-party car insurance is mandatory by law in India, and it is important to have it to ensure that you are financially protected against any liabilities arising from an accident involving your car.
In case of an accident, third-party car insurance covers the expenses of any damages or injuries caused to third-party individuals or their property. This includes compensation for medical expenses, repair or replacement of damaged property, and legal fees in case of a lawsuit.
Under Oriental third-party car insurance, the policyholder is covered against the liabilities arising from an accident involving their car and a third-party individual or their property. The following is the coverage provided by Oriental third-party car insurance:
Third-party liability coverage: This coverage provides protection against damages or injuries caused to a third-party individual or their property in case of an accident involving the insured car.
Bodily injury coverage: This coverage provides compensation for medical expenses incurred by a third-party individual who is injured in an accident involving the insured car.
Property damage coverage: This coverage provides compensation for damages caused to the property of a third-party individual in an accident involving the insured car.
Legal expenses: Oriental third-party car insurance also covers legal expenses in case of a lawsuit filed against the policyholder for damages or injuries caused to a third-party individual or their property.
Oriental car insurance is a type of insurance policy that provides financial protection against any damage or loss to your car due to accidents, theft, natural calamities, or other unforeseen events.
Oriental car insurance offers two types of policies: third-party car insurance and comprehensive car insurance.
You can buy Oriental car insurance online by visiting their official website.
Oriental comprehensive car insurance covers damages or losses to your car due to accidents, theft, natural calamities, fire and other unforeseen events.
Oriental car insurance does not cover damages or losses caused due to mechanical or electrical breakdown, wear and tear, or depreciation of your car.
Yes, you can renew your Oriental car insurance policy online through their official website or Park+.
The time taken to process a claim under Oriental car insurance depends on the nature of the claim and the completeness of the documentation provided.
You can claim Oriental car insurance by contacting their customer care centre or through their website.
You can track the status of your Oriental car insurance claim by logging in to your account on their website or by contacting their customer care centre.
The premium for Oriental car insurance depends on various factors, such as the make and model of the car, the age of the car and the location of the policyholder.