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Understand the Advantages of Purchasing an Oriental Car Insurance Plan

By Juhi Walia
18 August 2022, 3:09 PM

Buying a car insurance policy is mandatory for all car owners in India. There are hundreds of car insurance policies out there that might be on your list. It is important to compare car insurance policies before you buy one. The Oriental car insurance plan is one you can consider buying, especially the comprehensive version. The policy is specially designed to safeguard your car from the risk of damage or any other losses.

The best thing about buying an Oriental car insurance plan is that it protects you from damages and third-party liabilities such as injury, death and property damage of the other individual who gets hit by your car in an accident. The government mandates you to have a car insurance policy that protects you from third-party liabilities, and this plan provides you with that coverage along with several others. If you are considering buying Oriental car insurance plan, this guide will take you through its benefits.

Oriental Car Insurance Plan Benefits

The best thing about a comprehensive insurance plan is that while third-party liabilities are a part of it, the policy has coverages beyond that. It covers the damages suffered by the car during a road accident or a natural calamity along with the third-party liabilities.

Now that you know the benefits of subscribing to a comprehensive car insurance policy, let's look at what is covered under the Oriental car insurance plan. 

  • The damages that the car suffers due to man-made causes like accidents, theft, etc., and any natural phenomena like landslides, earthquakes, etc.
  • Limited or unlimited coverage for treatment and other related costs for an injured person involved in a road accident. The amount of coverage will be decided based on the clauses of the policy.
  • The plan also provides coverage for a person if they become permanently disabled or die in a road accident while in the car for which the policy is purchased.
  • Any third-party property damage. However, the coverage for the same cannot exceed INR 7 lakhs.
  • The policy also provides personal accident coverage for up to INR 15 lakhs.
  • Access to cashless garages where you can get your car treated without paying any amount in cash to the garage dealer.
  • The policy also covers the loss that arises if your car gets stolen.
  • Oriental car insurance plan covers damages during transit by road, air, etc.

While subscribing to this car insurance policy, you can choose from a list of add-ons.

Benefits of Buying Oriental Car Insurance Add-ons

There are several benefits of buying an Oriental car insurance add-ons. Choosing the suitable one/s will make the entire process fruitful for you. Some of these benefits include:

Zero Depreciation

The zero depreciation car insurance covers the cost of depreciation while processing any claims. The depreciation of all the metal and plastic parts is waived while the claims are paid. However, the depreciation of tyres and tubes is covered for only up to 50%.

Cover for Personal Belongings

There might be a case where your personal belongings get destroyed when your car meets with an accident. The policy covers the cost of these belongings. The value of such items is defined as per the item's market value. The compensation would range from INR 5,000 to INR 10,000, depending on the policy.

Read more - Your Go to Guide on Personal Belongings Add-on Cover

Alternative Benefit Coverage

If the insured car suffers damages from an accident and is out for repair, the company provides the policyholder with an alternate vehicle for up to 15 days.

Emergency Service Benefits

If the car completely breaks down because of an unfortunate event, the insurer will provide emergency services to the policyholder. However, this add-on is only limited to a few states.

Cover for Consumables

The insurer reimburses the cost of consumable items like nuts, bolts, etc., if you get them changed because of any accidental damage.

Read more - Benefits of Consumable Add-on Cover in Car Insurance

Cover for Key Replacement

If the policyholder loses his key or suffers any damage, the insurer will cover the cost of repairing the key or acquiring a new key. 

Apart from the add-ons, there are several other benefits of choosing the Oriental car insurance plan. If you have an anti-theft system installed in your vehicle, you can claim a 2.5% discount on your premium payments.

Exclusions of the Oriental Car Insurance Plan

Oriental comprehensive car insurance and covers you holistically, it does come with certain exclusions. These include:

  • The damages to your car because of any mechanical or electrical breakdown.
  • The policy documents will define a geographical boundary, and the car has to be within those limits to get a claim processed. Any damages to the car outside this geographical boundary will not be covered.
  • The damages cannot be covered if you drink and drive and encounter an accident. This clause also includes the influence of drugs while driving and meeting an accident.
  • If the car suffers any damages and the driver does not have a driving license at that point, a car insurance claim for damages cannot be made.
  • The car might experience some issues due to aging. The policy does not cover such issues.
  • You cannot claim damages if you use the car for unauthorised purposes like using a private vehicle commercially, etc.
  • Also, damages caused during nuclear and civil wars are not covered by the policy.

 Wrapping Up

 The Oriental car insurance plan is one of the best car insurance policies available. Check the base plan benefits and the add-ons carefully before buying the policy. The best thing about the plan is that it lets you customise it based on your requirements. Also, the cashless benefits make it easier to deal with the company.

Read more -


1. Can I claim damages for my tyre replacements?

Damages to tyres are not covered under the Oriental car insurance plan.

2. Will my claims be processed if my car is damaged during the war?

The Oriental car insurance plan does not cover any damages caused by a civil or a nuclear war.

3. How much discount will the company give for a claim-free year?

If you make no claims in your first year, you can get a discount of 20%. The maximum discount can go up to 50%. However, with a single claim, the discount will become NIL.

4. What does the Oriental comprehensive car insurance policy cover?

It covers accidental damages and third-party liabilities. Besides, you can add add-ons to this policy and further your coverage.

5. How many days can I avail of the alternate car benefit under the policy?

You can avail of the benefit for 5, 10 or 15 days, depending on your initial agreement with the company.

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