Oriental Car Insurance
Oriental Car Insurance Car Insurance Feature
Claim Settlement Ratio
97.95%
Network Garages
3100+
Oriental Car Insurance Car Insurance Coverage
| Insurance Package | Comprehensive |
|---|---|
| Expenses on Third Party Property | |
| Injuries/Death on Third Party Person | |
| Expenses on Own Car Damage | |
| Theft | |
| Damage Due to Fire | |
| Damage Due to Natural Disasters | |
| Personal Accident | |
| Coutomize Add on |
Coverage Exclusions
- Damage by a person driving without a valid driving license
- Mechanical or Electrical breakdown, failure
- Damage by a person driving under the influence of Liquor/Alcohol/Drugs
- Depreciation, any consequential loss
- Loss/Damage attributable to War/Mutiny/Nuclear risks
- Damage to tyres/tubes of the Car, unless damage to the vehicle in the accident with liability maximum fifty percent of value.
- Damage, outside India unless covered by extra premium for Nepal, Bhutan & Bangladesh, Pakistan, Sri Lanka &Maldives
- Vehicle being used for Hire or Reward, speed testing or Reliability trials, Pace making , Organized Racing , any purpose in connection with Motor Trade.
Oriental Car Insurance Car Insurance Discount Information
Calculate Your Car No Claim Bonus
| Consecutive claim-free policy tenure | Percentage of markdown on own-damage premium |
|---|---|
| One claim-free period | 20% |
| Two consecutive claim-free periods | 25% |
| Three consecutive claim-free periods | 35% |
| Four consecutive claim-free periods | 45% |
| Five consecutive claim-free periods | 50% |
a comprehensive policy offers other benefits like the No-Claim Bonus (NCB).
Car insurance providers offer a reward or an incentive to drivers for following traffic regulations and safe driving.
This reward is essentially a bonus that is provided for every year in which an individual does not make a claim on his insurance policy and is known as a no-claims bonus.
Calculate Your Car Depreciation
| Car’s Age | Depreciation |
|---|---|
| 6 Months | 5% |
| 6 Months – 1 Year | 15% |
| 1 – 2 Years | 20% |
| 2 – 3 Years | 30% |
| 3 – 4 Years | 40% |
| 4 – 5 Years | 50% |
A car is an asset that depreciates with time. Depreciation has an impact on the claim settlement about car insurance.
“Notwithstanding anything to the contrary contained in the policy, and provided additional premium has been paid, it is hereby understood and agreed that in the event of a Partial Loss Claim for damages to the vehicle insured under the policy where liability is admitted, the insurer will indemnify the insured the full value of expenses incurred for replacement of damaged parts of insured vehicle without application of depreciation thereon.
Oriental Car Insurance Car Insurance Add on Covers
NIL Depreciation Cover
In claim of Partial Damages to the Vehicle the full value of parts shall be indemnified without applying Depreciation thereon however certain deductible shall be made as per terms of the Policy.The cover is available with additional Premium based on age of vehicle.
Loss of Personal effects
The Loss of personal effects(except monies, credit cards and Laptops, mobile) to the maximum of Rs.5000 or Rs.10,000, as the limits may be chosen, are paid when a loss becomes payable under own damage section of the policy. The cover is available with additional Premium of Rs 400 and Rs.650 respectively.
Alternative Car Benefit
Being deprived of the use of insured vehicle after its accident/theft, we alleviate the inconvenience by allowing benefit for use of an alternative vehicle for a limited period of time of 5,10 or 15 days with per day limit of Rs.400 or Rs.650 as opted and premium is charged accordingly, this benefit becomes payable when the vehicles gets damaged beyond 20% of IDV and is disabled.
Free Benefit of Emergency Service through TVS
If the vehicle is insured through our offices in State of Delhi & NCR, Punjab, Haryana, Himachal Pradesh, Rajasthan, All Southern States, Mumbai and Kolkata the Policy provides free emergency services in case of Breakdown. This is free benefit available with the Policy with no premium charged.
Oriental Car Insurance Car Insurance Flow
How to Buy Oriental Car Insurance Car Insurance
- Specify the details of your car such as its model and manufacturer, variant and city
- Choose your plan that best suits your needs
- Mention the details of any existing insurance policies such as its validity, any claims made and no claims details
Simply make the payment and instantly receive your insurance on email in seconds
How to Claim Oriental Car Insurance Car Insurance
- Copy of FIR Charge Sheet
- Copy of driving licence & certificate
- A statement of driver as to how accident occurred
- Name & address of person injured & killed in accident
- Address of Police Station where accident reported
- Address of Hospital where injured/dead bodies shifted by police from site of accident.
- Certified copies of injury/post mortem report
- Vakalatnama duly signed by owner of vehicle & driver
- Details of Loss to TP Vehicle or other property
- Comment of owner/driver on FIR/Charge Sheet
- Who are the person travelling in the vehicle?
Oriental Car Insurance Car Insurance Review
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It just took me a few minutes to buy Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio car. The process was quick, smooth and transparent.
A few weeks ago, I purchased Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio car. I paid an affordable premium for the same and enjoy several benefits under my policy.
I was purchasing a car insurance policy online for the first time and hence contacted the team at InsuranceDekho for help. They assisted me well and helped me buy Oriental policy for my Maruti Suzuki Ciaz car.
InsuranceDekho’s website is really easy to navigate. I purchased Oriental car insurance policy from them for my Tata Tiago car without any hassle. I was able to get a variety of quotes online and shortlist the best online on my own.
I recently purchased Oriental car insurance policy for my Honda Amaze car from InsuranceDekho and the team explained to me everything about my policy. I really liked the policy benefits.
I wanted to purchase Oriental car insurance policy for my Mahindra Scorpio car and I contacted InsuranceDekho as I was facing some issues. The team helped me and I was able to purchase the policy easily.
Oriental Car Insurance Company Information
| Company Name | The Oriental Insurance Company |
| Tollfree | 1800118485 |
| deepshikha.rai@orientalinsurance.co.in | |
| Registered Address | Corporate Office,Block – 4, Plate-A,NBCC Office Complex, Kidwai Nagar East, New Delhi – 110023. |