Oriental Third Party Car Insurance
- Network of 31 regional offices and more than 1,800 active branches
- A huge number of network garages, which offer direct cashless claim
- Total strength of 14,000+ employees and well established in the rural parts of the country.
- Overseas operations in countries like Nepal, Kuwait and Dubai
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Oriental Third Party Car Insurance Policy
A third party car insurance is a type of car insurance which secures you from the claims made by a third party involved in an accident with your car. According to the Indian Motor Tariff 2002, it is compulsory for every car owner to have at least a third party car insurance, absence of which attracts a fine of Rs. 2,000 and/or imprisonment of up to 3 months for the first offence.
The third party car insurance offered by Oriental General Insurance insures you insures you against all types of third party third party damages be it bodily injuries, temporary or permanent disability, death of a third party or third party property.
Third Party Car Insurance vs Comprehensive Car Insurance
Basis | Third party car insurance | Comprehensive car insurance |
Coverage | It covers all third party liabilities - bodily injuries, temporary/permanent disability, death of a third party as well as third party property damage up to Rs. 7.5 lakh. | In addition to all third party liabilities, a comprehensive policy also provides insurance for damages incurred by the insured’s car in any road accident, natural/man-made calamity, theft, fire, etc. |
Legal Requirement | As per the Indian Motor Tariff, a third party car insurance is a compulsory requirement for all car owners. | To have or to not have a comprehensive car insurance policy is solely a choice of the car owner. There is no legal requirement related to a comprehensive cover. |
Cost | Available at relatively lower premium rates due to limited coverage. | Available at relatively higher premium rates due to extended coverage. |
Oriental Third Party Car Insurance Policy Coverage
A third party car insurance policy offered by Oriental General Insurance covers the following:
- Bodily injury/death of a third party by the insured’s car. The insurer has a limited/unlimited liability in such cases and the amount of compensation is decided by a court of law.
- Compensation of up to Rs 7.5 lakh for third party property damage.
The Oriental third party car insurance policy does not provide a cover for the following:
- Bodily injury of the policyholder
- Damages/loss incurred by the insured’s car
- Contractual liabilities.
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Insurance Products by Oriental General Insurance
Oriental Third Party Car Insurance FAQs
Is it mandatory to buy a car insurance policy?
How do I benefit from buying a car insurance 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?
Can I avail NCB discount with a third party car insurance policy?
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