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  • Ahmedabad
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  • Chennai

When did you buy your car?

Disclaimer: Actual Premium might vary basis your location, age and number of members

Overview

  • What kinds of Car insurance policies are available with Oriental Insurance?

    The basic insurance covers offered are:


    • Liability Only Policy: This policy is mandatory for every vehicle owner. It covers the liabilities towards third parties only, as per the Motor Vehicles Act.
    • Package Policy: In addition to the benefits of the Liability Only Policy, this also covers damages to your vehicle, owing to an accident. Moreover, one can also use add-ons for extra protection.

  • What will be the premium for my vehicle?

    Premium depends upon a number of factors viz. type, make, model, cc, usage, place of registration, past claims history etc. of the vehicle. It is therefore, advisable to contact the company’s underwriting office with vehicle’s details for the exact premium amount.

  • Why do I need to renew my vehicle’s insurance policy?

    Every insurance policy has a fixed tenure post which the policy needs to be renewed to meet regulatory obligations. Apart from this, one should renew one’s policy as accidents are uncertain and having an active insurance policy helps mitigate financial liabilities. Furthermore, you will also retain your No Claim Bonus–the hard-earned discount, in premium for claim free year(s).

  • Can I transfer the insurance policy to the buyer of my vehicle?

    Yes, the insurance policy is transferable. You need to submit a fresh proposal form and the company will charge a nominal fee.

  • What if I have installed the LPG/CNG kit in my vehicle?

    Installing LPG/CNG kit is permissible by the RTO-means. However, it should be registered with the RTO and mentioned by them in your RC. Then, you need to approach the insurance company and declare it to them with a copy of the RC.

    Note: Additional premium is payable for the vehicle with LPG/CNG kit.

  • How can I pay premium online?

    At first, you need to register yourself as a customer on the company’s online portal by providing basic details. Thereafter, you will gain access to all the features including the option to pay premium online and even renewal of the policy.

  • I want to know the risks covered and the terms and conditions of the policy?

    One can always know the risk covered and the terms and conditions of the policy by visiting Oriental’s website or by visiting any of its branches. Alternatively, you can give us a call at 7551196989 and we would be glad to assist you with the coverages as well as terms and conditions of your policy.

  • Can I avail tax benefits under covers like Personal Accident rider?

    No, there are no tax benefits for premiums paid under this type of covers

  • I have lost my Oriental car insurance policy, what to do next?

    You should approach the same branch from where you bought the policy. You can get a duplicate policy against a nominal fee

  • Can I choose the amount of the premium?

    While the premium is calculated as per the underwriting guidelines of the company, one can always choose the coverage, add-ons, as well as the insured declared value (within certain limits) which impacts the premium.

Renewal

  • How much time does it take for policy renewal after payment?

    Post making renewal fee payment, the policy is renewed instantly. You will get a confirmation email and SMS for the same along with a digitally signed renewal document.

  • Can I opt for add-on covers while renewing my car insurance policy?

    Yes, you can modify your add-ons at the time of renewal but only if your existing car insurance policy was issued by Oriental Insurance. However, to modify non-Oriental car insurance policies, you have to renew it from the respective insurer’s website.

  • I was supposed to get NCB discount post first renewal. Why am I not getting that?

    The issue might be because of the fact that you had filed a claim in the last tenure. However, if you last tenure has gone claim-free and you are still not getting the NCB discount, contact Oriental Insurance at 011-3320-8485.

Claim

  • Do I have to pay for repairs even after making an insurance claim?

    Yes, you remain liable to pay for the compulsory deductibles and voluntary deductible if opted for at the time of policy purchase along with the depreciation cost in case of no zero depreciation add-on cover.

  • Which type of add-on covers will help me to get higher claims?

    The add-on covers which extends the standard coverage will help in getting higher claims. Example- Zero Depreciation, Engine Cover, etc.

  • What additional things do I need to furnish to the company for claim settlement in case of theft of the insured vehicle?

    Apart from the necessary documents, you will be required to submit the entire set of vehicle keys, the Final Report – No Trace Report for the lost vehicle, Indemnity Bond as well as the NOC (No Objection Certificate) from the financer in case of theft of the vehicle.

  • What if someone else was driving my car when the accident occurred?

    If someone else such as a hired driver or anyone has committed an accident while driving your car, you will still be entitled to file a claim. This is because a car insurance policy insures a car and not the driver.

Third Party

  • Is it mandatory to buy a car insurance policy?

    The Indian Motor Tariff mandates every car owner to have at least a car insurance policy in place. Also, the importance of this insurance cannot be undermined as it frees the insurance from all unforeseen financial burden towards a third party due to an accident involving the insured’s car.

  • How do I benefit from buying a car insurance policy online?

    Ease of comparison of various insurance policies, paperless policy proposal and online payment mechanisms make way for seamless and hassle-free buying of insurance are some of the benefits which one avails while purchasing a policy online.

  • My car just crashed against a scooter causing the latter’s driver to sustain grievous injuries. How do I file a third-party insurance claim?

    You may make a claim by either logging on to the insurance company’s website or calling the insurer’s customer care centre for the same.

  • Can I avail NCB discount with a third party car insurance policy?

    Unfortunately, No Claim Bonus (NCB) discount cannot be availed with a third party car insurance policy.

Comprehensive

  • My vehicle broke down in the middle of the road. Since I was in a hurry, I could not take it to an authorised garage for repairs. Can I still claim insurance for the same?

    It is fine if you had to take your vehicle to an unauthorised garage for repairs. However, it is important that you intimate the same to the insurer and get your vehicle inspected by the company’s surveyor before starting any repair work on the car. Without the necessary survey, the insurer is unable to assess the quantum of loss and, thus, evaluate the extent of the claim amount that must be disbursed.

  • If my car meets with an accident outside the city in which I got it registered, will I still be able to make an insurance claim?

    If you have bought an Oriental comprehensive car insurance policy, then you can avail the claim amount for any loss/damage caused to your car anywhere in India.

  • Is it necessary to have a comprehensive insurance cover?

    No, it is not a legal requirement to have a comprehensive car insurance cover, however, it is advised to cover for all car owners as it provides coverage for not only third party liabilities but also for damages incurred by the insured’s car in a road accident or any other mishap.

  • Is it possible to transfer a comprehensive car insurance from one car to another?

    No, transfer of any car insurance policy, including a comprehensive cover, from an insured car to another is not possible.

  • Which add-on covers s I buy to enhance my car insurance cover?

    The choice of add-on cover depends on your requirements. However, the add-on covers which are commonly opted by car owners as as follows: - Zero Depreciation Cover - Roadside Assistance Cover - Invoice Price Protection (IPP) - Consumables Cover - Engine Protection Cover - NCB Protection Cover - Lock & Key Replacement Cover

Zero Depreciation

  • What is not covered under Zero Depreciation Cover?

    Zero Depreciation Cover does not secure the vehicle against engine damage due to oil spillage or water ingression. In addition, it does not cover against mechanical breakdown, consumption of consumables.

  • Is it true that insurance companies allow zero depreciation cover to new cars only?

    Most insurance companies prefer to avail zero depreciation cover only to new cars or those that are less than five years old. However, different insurance companies allow different car age limits for zero depreciation cover.

  • Who should buy a zero depreciation cover?

    Every car owner is advised to opt for a zero depreciation cover, however, it is more advisable for the following: New car owners New drivers People driving in accident prone areas People who get bothered by even small scratches Owners of car with expensive parts.

Own Damage

    Explore Oriental Car Insurance

    Must Read Articles before buying Oriental Car Insurance

    Oriental Car Insurance User Reviews

    5.0
    Rating based on
    93 User reviews
    Write your review
    What users are saying
    • All
    • Most Helpful
    • Comprehensive
    • Zero Depreciation
    • Third Party
    • Own Damage
    • Renewal
    • Cashless Garages
    • Price
    • Premium
    • Policy Download
    • Customer Care
    • Claim
    • Add On
    • Quick and transparent buying ...

      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.

      Read More

      G
      By Gaurav Lalwani
      On: July 10, 2020
    • Affordable premium

      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.

      Read More

      M
      By Mohit Gulati
      On: July 9, 2020
    • Great assistance at InsuranceD...

      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.

      Read More

      G
      By Gaurav Madhavan
      On: July 3, 2020
    • Website is easy to navigate

      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.

      Read More

      G
      By Gopal Yadav
      On: July 2, 2020
    • Many benefits under my policy

      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.

      Read More

      J
      By Jaspal Singh
      On: June 26, 2020
    • Helpful team at InsuranceDekho

      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.

      Read More

      N
      By Nipun Aggarwal
      On: June 25, 2020
    • Got my claim amount easily

      I got a complete claim amount from Oriental Insurance for my Tata Tiago car with the assistance of InsuranceDekho. It is a huge factor that keeps my trust in the insurance platform.

      Read More

      S
      By Shekhar Kumar
      On: June 4, 2020
    • Multi-year plans available

      The InsuranceDekho platform offered me multi-year policies of different insurers. After making comparisons, I bought an Oriental insurance plan for a 2-year policy term for my Maruti Ciaz car from them.

      Read More

      A
      By Anees Verma
      On: June 2, 2020
    • Exceptional customer support

      InsuranceDekho has a great customer care team that helps me whenever I want. They have answers for all my questions related to my Oriental car insurance policy for my Kia Carnival car.

      Read More

      S
      By Shantanu Nanda
      On: May 29, 2020
    • Easy to select insurance quote...

      InsuranceDekho offered me several insurance quotes from which I compared and chose Oriental insurance cover to insure my Ford Endeavour car.

      Read More

      A
      By Anil Kumar
      On: May 27, 2020
    • Renewed my plan in minutes

      The policy renewal process takes just a few minutes at Oriental Insurance firm, with which I could get my Hyundai Grand i10 car. It was an awesome experience.

      Read More

      H
      By Harish Chandra
      On: May 21, 2020
    • Provide seamless services

      The Oriental car insurance provided me with swift and seamless insurance services for my Renault Duster car. This has given me assistance to get the services as per my convenience.

      Read More

      H
      By Harivansh Rao
      On: May 19, 2020
    • Top-notch claim record

      With a great claim settlement ratio, Oriental insurance has secured huge goodwill in the insurance sector. Due to its impressive claim record, I purchased its plan for my Tata Nexon EV car.

      Read More

      D
      By Deepak
      On: May 15, 2020
    • Policy choices to choose from

      I purchased Oriental plan for my Nissan Micra car through the Insurance Dekho platform. I could easily choose one plan from different insurance quotes, which better my buying experience.

      Read More

      A
      By Avin Das
      On: May 13, 2020
    • Excellent solutions in no time

      I got amazed and overwhelmed by getting brilliant insurance solutions for my Ford Figo car from the team of Oriental insurance. They provided me with the best solutions instantly.

      Read More

      A
      By Ankur Mittal
      On: May 11, 2020
    • The process to get claims easi...

      With Oriental Insurance Firm, I managed to get my claim amount very easily and swiftly after an accident of my Datsun Go car. Its claim process and claim settlement team are great.

      Read More

      V
      By Vivek Mishra
      On: May 7, 2020
    • Many add-ons options

      Different add-ons are available under the Oriental insurance firm that increases the plan coverage for my car insurance that I bought for my Ford Figo car.

      Read More

      S
      By Swati Jain
      On: April 30, 2020
    • Best services at best prices

      I am very happy with the price and service of Oriental car insurance plan for my Toyota Yaris car. It is a value for money deal.

      Read More

      C
      By Chetan Malik
      On: April 28, 2020
    • Smooth claim settlement

      At Oriental Insurance, I got my insurance claim settled in very less time that I bought for my Maruti S-Cross car. Its claim settlement process is very promising and prompt.

      Read More

      J
      By Jatin Nigam
      On: April 24, 2020
    • One of the best claim processe...

      Oriental Insurance comes up as the best claim procedure for its customers. I have its plan for my Nissan Micra car and got my claim in one day only. I am happy to be associated with Oriental.

      Read More

      V
      By VK Rawat
      On: April 22, 2020
    • Trusted insurance brand

      My father has been associated with Oriental Insurance for years. After his guidance, I also bought its insurance policy for my Ford Figo car. The company is very reliable and quick in its services.

      Read More

      G
      By Gaurav Sahore
      On: April 20, 2020
    • Complete online operation

      The Oriental insurance firm holds all its operations online and needs no paperwork to initiate their processes. I have a comprehensive policy for my Maruti Baleno.

      Read More

      K
      By Kanishk Kapoor
      On: April 16, 2020
    • Awesome customer support

      The customer support of Oriental Insurance Company is exceptional. I am delighted to get their support during the claim settlement for my Maruti Wagon R.

      Read More

      I
      By Ishant Kumar
      On: April 14, 2020
    • Great claims service

      This is the best experience I have ever had in getting my car repaired under insurance claim. My car was picked up from my location and the quality of repair work was excellent. For the first time I did not spend even a single penny for the repair work done on my vehicle and the way claims team helped me in claiming the insurance was awesome. Would highly recommend Insurance Dekho ! Keep it up guys

      Read More

      P
      By Prem Singh
      On: April 13, 2020
    • Suitable deals to grab!

      At Insurance Dekho I got many plans to choose from and I bought Oriental Plan to insure my Baleno car. These features helped me a lot.

      Read More

      R
      By Ramakant Bishnoi
      On: April 8, 2020
    • Many payment options

      It was helpful to pay for my Oriental policy that I purchased for my Tata Nexon at insurancedekho.com. It offered me different payment methods.

      Read More

      U
      By Urmila Shinde
      On: April 6, 2020
    • Swift policy issuance

      With Insurance Dekho, I could get my Oriental policy issued in a few minutes without any wait.

      K
      By Kuldeep Nigam
      On: April 2, 2020
    • Variety of payment gateways

      While buying an Oriental car insurance policy from Insurance Dekho, I got various payment options to choose from, which made my payment quick and simple.

      Read More

      R
      By Ria Mehta
      On: March 31, 2020
    • Brilliant purchase experience

      The payment options available at Insurance Dekho gives me a comfortable purchase experience. It becomes very easy to buy a policy from them.

      Read More

      D
      By Daksh Sinha
      On: March 27, 2020
    • Easy policy purchase

      I chose InsuranceDekho for my car insurance policy purchase because I had heard a lot about the company. Found all to be true. My policy purchase experience was simple and quick. Good job done!

      Read More

      R
      By Rahul Jindal
      On: March 25, 2020
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