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Oriental Comprehensive Bike Insurance Policy
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Oriental comprehensive two-wheeler insurance provides comprehensive coverage for your two-wheeler in the event of an accident, fire, theft, strike or earthquake. It also covers any third-party liability in the case of a third-party death, physical injury, or property damage happened by the insured vehicle. Oriental General bike insurance has been effective in providing comprehensive protection against life's uncertainties. The Oriental bike insurance protects its policyholder against financial responsibilities incurred by the insured's bike to third parties as well as financial loss due to the bike's own damage. This two wheeler insurance gives policyholders financial stability and comfort of mind.
How does Oriental Comprehensive Two Wheeler Insurance Policy Work?
When the Oriental insured vehicle is involved in an accident that results in third-party property damage, bodily injury, or death of a third person, the third- party may submit a compensation claim. The charges can be expensive at times, and formal/ legal action may be taken as a result. Thus, comprehensive policy offered by Oriental Insurance gives complete protection to the policyholders against third-party liabilities as well as own damages.
Oriental Comprehensive Two Wheeler Insurance Vs Third Party Two Wheeler Insurance
| Basis | Comprehensive Bike Insurance | Third Party Bike Insurance |
| Coverage | Comprehensive bike insurance policy offers comprehensive coverage by including third party liabilities as well as own damage. | A third-party Oriental bike insurance policy coverage protects the third party's financial and legal responsibility in the event of an accident. |
| Add-ons | With comprehensive two-wheeler insurance policy, policyholders can supplement their coverage by selecting from a variety of add-ons that are offered in addition to the comprehensive insurance. | There is no way to expand coverage because add-ons are not available in addition to third-party insurance. |
| Cost | The Oriental two-wheeler comprehensive insurance policy is quite pricey since it offers consumers substantial coverage. | Because of its restricted coverage, the third-party policy is inexpensive. |
| Necessity | This policy is optional to buy. | This policy is mandatory to buy. |
How to Buy Oriental Comprehensive Two Wheeler Insurance Policy?
Customers can acquire an Oriental comprehensive two-wheeler insurance coverage in person at any of the company's branches, but they can also do it from the comfort of their own homes. The following are a few simple steps to purchasing an Oriental comprehensive two-wheeler insurance online:
- Open the official website of Oriental Insurance company.
- Select 'Buy Online' from the bar menu at the top of the screen.
- Select the 'Buy New' sub-option.
- A drop-down menu will appear with many insurance policies. You must select the plan that you want to purchase.
- Include add-ons if you want to.
- You must enter the necessary information on the redirected page.
- After inputting your information, you may pay your premium online at the insurer's official website.
What All is Covered Under Oriental Comprehensive Two Wheeler Insurance Policy?
The Oriental comprehensive bike insurance policy covers the following items:
- Third-party Liabilities: In the event of a road incident involving the insured's bike, the insurer offers financial assistance to the policyholders in the event of any damage, loss, or injury to a third party. The insurance covers personal injury, death, permanent disability, and property damage to a third party.
- Accidental Damages- In case the insured bike is damaged in an incident of accident or collision, this policy compensates you for the same.
- Damages Caused by Natural Disasters: Any damage to the insured bike resulting from natural disasters like thunderstorms, earthquakes, floods, cyclones, landslides, and so on, will be covered by the insurer.
- Damages from Man-made Calamities: The insurer pays for damage to the insured's bike caused by riots, strikes, fires, terrorist activities, or other man-made disasters.
- Theft: The Oriental bike insurance covers the theft or burglary of the insured's bike.
What All is not Covered Under Oriental Comprehensive Two Wheeler Insurance Policy?
Oriental's comprehensive bike insurance policy does not cover the following situations:
- Wear and tear are inevitable.
- In the instance of wilful misconduct.
- Driving without a valid driver's licence/policy.
- Damages incurred as a result of contractual obligations.
- Comprehensive bike insurance is not applicable in the case of any electrical failure or in the case of mechanical failure.
- For driving while inebriated or under the influence of intoxicating substances.
- If a war, a mutiny uprising, a nuclear threat, or any other event like these is responsible for the damage.
Oriental Comprehensive Two Wheeler Insurance Policy Benefits
The policyholders of the Oriental comprehensive bike insurance coverage may make use of a variety of advantages, which are listed below.
- Round-the-clock support from the helpdesk.
- Settlement of claims is quick and simple.
- It allows policy issuing to be done quickly and easily online.
- A diverse selection of add-ons offers comprehensive coverage.
- Covers both third-party liabilities as well as own damages.
- A nationwide network of cashless garages provides free repair services.
Oriental Comprehensive Two Wheeler Insurance Policy Review
The following are the reviews of the Oriental comprehensive two-wheeler insurance policy
When it comes to buying a comprehensive bike policy, the company offers a quick and transparent process. It is absolutely easy to buy this policy online via the user-friendly interface of the website. You can also compare and choose the best premium quotes online in just a few clicks. The customer care team is very supportive.
Add ons for your Two Wheeler Insurance
Oriental Comprehensive Two Wheeler Insurance FAQs
1. Is having an Oriental comprehensive bike insurance policy required?
No, comprehensive vehicle insurance is not required by law; nonetheless, it is recommended for all bike owners since it covers third-party liabilities and damages to the insured's automobile in the event of a road accident or other disaster.
2. Is it feasible to move an Oriental comprehensive auto insurance policy from one vehicle to another?
Yes, in case of ownership transfer, you can move the policy from one vehicle to another.
3. Which add-on covers should I get to supplement my Oriental vehicle insurance coverage?
The type of add-on cover you choose is determined by your needs. However, the following are the add-on coverings that automobile owners frequently choose: - Roadside assistance coverage, invoice-price protection, zero depreciation coverage, coverage for consumables, cover for the engine, NCB protection cover, etc.
4. What is the procedure for canceling an Oriental two-wheeler insurance policy?
You can drop off your policy documentation at your local branch. After deducting any applicable cancellation costs, reimbursements will be issued straight to your bank account.
5. Will Oriental comprehensive bike insurance policy cover a tyre or tube puncture?
If the covered bike is damaged at the time of accident, the insurer will cover half of the cost of repair or replacement. However, there is no coverage for tyre or tube puncture damage alone.