Oriental Car Insurance FAQs

Add-on cover is an affordable way to increase car insurance coverage. The Oriental Insurance Companies offer the following add-on covers:

• Nil Depreciation Cover:
  With this cover, no depreciation will be deducted in event of a claim of partial damages to the vehicle
• Loss of Personal effects:
  An additional premium is to be paid to cover against the loss of personal items in event of damage or mishap. Loss up to maximum INR 5000 or INR 10000 may be chosen.
• Alternative Car Benefit:
  In the event of damage when the car is out for repair the insurance company provides for the expenses incurred for using alternate car up to max 5 or 10 or 15 days
• Free Emergency Service:
  This free service is allowed in case of an insured car breakdown in the state of Delhi, NCR, Punjab, Haryana, Himachal Pradesh, Rajasthan, Southern States, Mumbai and Kolkata. The service is free of charge provided the vehicle is insured through Oriental Insurance office. 

The incurred claim ratio is 112.62% for motor insurance for United India Insurance Company for 2018-19.

You can contact the customer service department or visit the website to check the status of your oriental insurance car claim status online https://orientalinsurance.org.in/web/guest/sign-in?userTypeId=005 

You can request the customer service department to avail the copy of your oriental car insurance policy.

The claim settlement procedure is very smooth, quick and hassle-free. Upon submitting all the relevant documents the company settles the claim within 7 days

No, the company does not offer pay-as-you-drive car insurance.

Oriental car insurance policy is automatically renewed after you pay the renewal amount. You'll receive a confirmation by email and SMS and a digitally signed renewal document.

Yes, you can buy add-ons when you renew your auto insurance policy.

If you didn’t claim in the past year, you’re eligible for NCB discounts. If Oriental Insurance has not credited the same despite this, you can ask it to consider the same. The insurance company will re-check the claim history and credit NCB if it’s found that you didn’t claim previously.

There are two kinds of insurance policies to choose from.

• Liability-Only Policy - Covers only damage or loss to third-party property or persons.
• Package Policy - Covers third-party liabilities as well as the insured vehicle and its occupants.

For expired policies, a new policy can be obtained. However, Oriental officials will inspect the vehicle before granting the coverage, incurring additional costs and time. Therefore, it is highly recommended th

Indeed, you can record the same on your cell phone or gadget. The same can be used for future reference.

The rescue worth of a car is the assessment of a vehicle that has met with a mishap and has been harmed. It is otherwise called a complete misfortune.

Saving your cases for critical damages is fitting. This would assist you with getting the NCB and diminish your devaluation costs.

You can visit the organization's authentic site to get the rundown of fixed garages registered for an Oriental car insurance claim.

An assessor is an individual who examines the harmed vehicle and affirms the believability of the case recorded by the policyholder.

An Oriental car insurance policy document is required when filing a claim, transferring a policy from another provider, or renewing coverage.

1. Select the 'renew' option on Oriental Insurance's official website
2. You will be then taken to a page where you must enter the policy number to pay the renewal premium.
3. You will receive a digitally signed payment receipt after a successful premium payment.

Yes. If the original policy paper is missing, you can lodge a request to Oriental either over the phone or in writing. The insurer will conduct thorough verification, following which it can issue you a duplicate.

Yes, you can access the claim settlement ratio of Oriental car insurance for different years. In case you can’t find the data there, you can even visit the IRDAI’s official website to access the claim settlement ratio of different car insurance companies, including Oriental.

Oriental Insurance Company has 6,000+ network garages around the country.ribed above. 

You can go to the official website of Oriental Insurance and search for the network garage based on the model of your car. An excel file will drop before you, wherein you can see the list of network garages of Oriental Insurance.

Yes, these add-on covers of Oriental car insurance can come with certain terms and conditions. For example, a zero depreciation add-on does not cover engine damage due to water ingress or oil leakage.

Yes, you will need to pay the extra premium for adding the add-on covers to the Oriental base car insurance policy.

The premium is based on the add-on cover you opt for, the risks attached to the covers, your car’s age, etc. 

You can buy Oriental car insurance add-on covers when buying or renewing the policy. Just check your budget and needs before adding the add-ons.

Yes, you can buy the add-on covers online using any of the net banking, debit card, credit card or UPI. 

Yes, but the insurance company needs to be contacted so that a surveyor can access and examine the damage to calculate reimbursement.

No, motor rules deem every car owner to own a third-party liability car insurance. But it is advisable to pick comprehensive insurance cover for enhanced coverage of the insured car. 

No, one insurance policy is only applicable to one specific vehicle at a time. 

A few common add-on covers are roadside assistance cover, zero depreciation cover, engine protection cover, NCB protection cover, lock & key replacement cover, etc. 

After registering as a new client on the company's official website, the customer will be provided with all the features of online payments and renewals. 

Though third-party car insurance offers limited coverage, it could still be handy to have given the mental relief it offers in case of injuries and damages done to the third party by your insured vehicle.

It is advised that you inform Oriental at the earliest possible so that the claim process can be initiated and you get the required coverage as soon as you can.

You need to submit the insurance form along with documents like your ID proof, address proof, etc. You also need to submit details about your car's make, model, etc.

Since third-party insurance covers only the liabilities caused to the third party by your insured vehicle, the premiums associated with it are low.

You can do so using any of the accepted online or offline payment modes. Online premium payments can be done through - net banking, UPI, wallet, debit card or credit card. Offline payment modes are cash, cheque and demand draft. Some insurance companies may not allow cash payments. In that case, you will be left with the other two offline options.

Damage caused by oil leakage or water entry is excluded from this policy add-on. It also excludes coverage for electrical and mechanical failure, and the use of consumables.

 Is it true that only new cars with 0% depreciation are covered by Oriental Insurance?

A zero depreciation policy is especially recommended for people who drive in high-accident zones, those who have new & expensive cars, new chauffeurs, etc.

You can do so with either a comprehensive or standalone car insurance policy of Oriental.

Yes, you can consider purchasing a zero depreciation add-on cover to prevent yourself from paying something towards the parts to be repaired or replaced in case of a claim.

No, you can get a standalone car Insurance plan from any of the insurers that offer it. You should carefully evaluate and compare the available plans before making your decision.

As per the laws, you are obligated to have a third-party car insurance policy. You can buy a standalone Oriental car insurance policy for coverage against your own damages. Or you can buy a comprehensive insurance plan covering both third-party claims as well as your own damages.

The IRDAI (Insurance Regulatory and Development Authority of India) has approved the annual issuing of standalone car insurance policies for both old and new cars, according to a recent notification. 

Yes, several rider options for a standalone damage Oriental car insurance plan are available.

A standalone policy would cover nothing more than the own damages of the protected car; comprehensive insurance, on the other hand, would cover third-party liabilities as well as own-damage expenses. This is why a comprehensive policy is better in terms of protection.