Oriental Car Insurance

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  • Network of 31 regional offices and more than 1,800 active branches
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  • 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

About Oriental Car Insurance

Oriental Insurance Company Ltd. is one of the known faces in the general insurance industry in India. It is a public sector insurance company and offers more than 170 general insurance products. It was established on, 12th September 1947, and is headquartered in New Delhi. The company has 31 regional offices and over 1,800 branches working actively across the nation.Initially, Oriental Insurance operated as a completely owned subsidiary of Oriental Government Security Life Assurance Company Ltd. Thereafter, for a period of 17 years, i.e.; 1956 to 1973, the company operated as a subsidiary of Life Insurance Corporation (LIC) of India before the nationalization of general insurance business in India. In 2003, it was de-linked from the parent company and set up as an independent insurance company, the Union Government acquired all the shares of the company from Oriental Insurance Corporation of India. Later in 2018, the Government of India merged Oriental Insurance with National Insurance Company Ltd. and United India Insurance Company. Shri A. V. Girija Kumar is the Chairman-Cum-Managing Director of the company since, May 2017. The company has more than 14,000 working employees and offers 170 insurance products to its customers that range from health, home, travel, business and motor. The company had a modest start in the year 1950 with a premium of a little less than Rs 1 lakh. However, it recorded a gross premium of Rs 7,282.54 Crores in the financial year of 2013-14. Apart from India, it also has overseas operations in Nepal, Kuwait and Dubai.

Benefits of Oreintal Car Insurance

  • With 30 regional offices and around 1800+ operating offices in the country, Oriental Insurance Company has a wider reach compared to most of the insurance companies.
  • It also provides niche products to suit specific requirements of the urban and rural population of the country.

Oriental Car Insurance Add-ons

  • Zero Depreciation Cover

    In case a claim is filed for damages, with this add-on coverage, the company will pay you the full value of damaged part (except certain parts such as tyre, tube, battery) without taking depreciation into account.

  • Loss of Personal Items

    This add-on covers loss of personal items and the company will reimburse the policyholder with a maximum of Rs 5,000 to Rs 10,000 depending on the t&c of the insurer. However, it does not include money, laptops, credit cards, electronic items etc.

  • Alternative Car Advantage

    In case of an accident, when the car is out for repairs, the company will arrange an alternative car for the policyholder. One can avail this facility only if the vehicle is damaged to at least 20% of IDV and is unable to function.

  • Emergency Service Free of Cost

    The policyholder is entitled to avail emergency services as per the policy, if the insurance of the car is done at any offices of the company in the following states: NCR, Punjab, Haryana, Himachal Pradesh, Mumbai, Kolkata Rajasthan or all South Indian states.

    **Conditions are subjected to change depending upon the insurance company.**

Oriental Car Insurance Claim Process

  • 1

    Inform the company

    The policyholder must send a notice immediately informing about the incident to the company and submit a claim form along with necessary documents
  • 2

    Filing FIR

    In case of any third party death/injury or when the vehicle is stolen, one needs to file an FIR immediately and the copy of the same should be submitted to the company
  • 3

    Surveying the incident

    The company will send a surveyor to inspect the nature and extent of damage caused to the vehicle. This step will also be followed in case of the theft of the vehicle
  • 4

    Document verification

    The submitted documents will be verified and the company will proceed further to render the claim
  • 5

    Availing the claim

    The claim settlement process is hassle free and the customer support is highly efficient. The settlement usually takes no time after the completion of all formalities

Oriental Car Insurance User Reviews

  • I used Insurance Dekho to get Oriental car insurance for my car. The whole procedure did not involve any paperwork. Purchasing car insurance was never...

    On: January 23, 2020 | Views
  • If you have taken your car insurance policy from Insurance Dekho then it will be very easy to settle down the claim with maximum benefits. You just ne...

    On: January 22, 2020 | Views
  • InsuranceDekho provides the car insurance policies offered by the top insurance providers in the market. It will help the policyholders to trust more ...

    On: January 21, 2020 | Views
  • Through insurance dekho I was able to get total coverage for my car. I have bought it after saving for months. I cannot compromise on the security iss...

    On: January 20, 2020 | Views
  • I always thought that buying policies online would be hectic, but after checking the website of InsuranceDekho I realized how easy and user-friendly t...

    On: January 17, 2020 | Views

Oriental Car Insurance FAQs

  • 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.

Oriental Car Insurance Contact details

For all query call Toll-free number:

Oriental Car Insurance Policy Wording

  • 133.3 kB
  • PDF Document
  • April 25,2019

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