Oriental Car Insurance Claim

When a car insurance policyholder raises a request for compensation with the insurance company for the losses suffered due to his/her insured car, it is known as a car insurance claim. A policyholder can make any number of claims during the policy period subject to the sum assured mentioned in the policy document.

Oriental General Insurance offers an easy and hassle-free claim settlement process for its policyholders. A claim for a car insurance policy can be raised with Oriental General Insurance both online as well as offline by visiting its branch. A claim can be of two types - cashless claim and reimbursement claim. When a policyholder visits a garage a part of the authorised network of Oriental General Insurance, then the entire repair cost of the insured’s car is paid by the insurance claim thus, resulting in a cashless claim. Similarly, when a policyholder visits a garage outside the Oriental authorised network, then the policyholder has to pay the repair cost which the insurance company reimburses later.

Claim settlement Ratio of Oriental Car Insurance

An insurance company's claim settlement ratio or CSR indicates the rate at which they settle claims. It is the ratio of the total claims received in a year to the total number of claims settled in a year. Oriental Car Insurance has a claim settlement ratio of 94%.

Types of Oriental Car Insurance Claim Settlement

Oriental Car Insurance Company offers two types of claim settlement:

Reimbursement Claim Settlement

For a reimbursement claim settlement, Oriental Car Insurance holders must inform the insurance office immediately after identifying that their car has been damaged, in an accident, or stolen. If they have agreed to a reimbursement claim settlement at the time of signing the insurance policy, they must pay for the repairs by themselves and save the receipts to submit for claim settlement, later.

For reimbursement claim settlement, policyholders may repair their car in any garage they wish to. While filing the claim, one must produce all the payment receipts. The insurance company verifies the validity of these receipts and pays the claim amount for the services covered by the insurance policy document.

The following documents are required for the Oriental Car Insurance reimbursement settlement.

1. Copy of the claim intimation, policy, and premium receipt.
2. FIR or Police Panchanama (if applicable).
3. Driving license (original and copy).
4. Registration Certificate (original and copy).
5. Estimate or repairs.
6. Cash memos and final bill of repairs.
7. Verification of Road Tax.

Cashless Claim Settlement

A cashless claim settlement is hassle-free and saves a lot of time for policyholders. When you opt for an Oriental Insurance Company cashless claim settlement, the first step is to inform the insurance company about the nature of damage to their car (accident, fire, theft), depending on the type of their insurance policy. Once this is done, the insurance company representatives may need them to follow certain steps:

1. File an FIR with the nearest police station.
2. Take the damaged car to one of the Oriental Car Insurance network garages for repair.
3. Submit your insurance policy documents at the garage.
4. The garage and the insurance company will discuss the nature of the damages and the repair coverage mentioned in your policy documents.
5. Upon thorough investigation of the damages and the related documents, repair work begins.
6. Once the repairs are done, the garage informs the insurance company and the claim is settled between them. The insurance company informs the policyholder about it and the repaired car is handed over.

Documents Required For Oriental Car Insurance Claim Settlement

• Duly Signed Claim Form
• Copy Of Driving License
• Copy Of RC
• Copy Of Insurance Policy
• FIR (in case of death and bodily injury)
• Original Repair Estimate Slip/Repair Invoice
• Hospital Bills (in case of hospitalization)

How to File an Oriental Car Insurance Claim?

To file an Oriental Car insurance claim, complete the following steps:

1. Inform Oriental Car insurance immediately after the incident.
2. File an FIR if you have been in an accident or if your car was stolen.
3. Document evidence carefully.
4. Claim registration:

• While registering claims, provide the following information:

1. Policy number
2. Vehicle number
3. Date, time, and location of the incident
4. Nature of the loss/damage
5. Driver details

• Gather documents like:

1. Copy of the claim intimation and policy.
2. Duly-filled Claim form.
3. Driving licence copy.
4. Copy of the FIR (if applicable).
5. Photographs and videos of the damage.
6. Repair bills and estimates (if applicable).

5. Submit documents to the insurer.

6. A surveyor will assess the extent of damage and determine the repair costs.

7. The claim will be settled based on your agreement with Oriental Insurance Company.

A cashless car insurance claim can be made by following the below-mentioned steps:

Step 1: Request For Claim Initiation

Immediately inform Oriental General Insurance about the accident/mishap. You can inform the insurer by calling 1800-118-485. You can also inform the insurance company by sending images of your damaged car to your Oriental General Insurance branch email id mentioned in your policy document.

Step 2: Inspection By A Surveyor

After registration of the claim raised by you, Oriental General Insurance will send a surveyor to examine the extent of damage suffered by the car. A survey of the insured’s car by the insurance company is a compulsory requirement for a successful claim settlement.

Step 3: Request For Towing Service

After completion of the examination of your damaged car, you can get your car towed to the nearest Oriental authorised garage for repairs. You can also request the insurance company to arrange for a towing service for your car.

Step 4: Car Repairs

Your car will be repaired at the workshop and the insurer will pay the entire repair cost directly to the garage after completing all formalities and documentation.

Step 5: Payment of Deductibles

Pay the compulsory deductible amount along with the voluntary deductible amount (if opted for) to the insurance company and take your car home!

How To Make A Reimbursement Car Insurance Claim With Oriental General Insurance

A reimbursement car insurance claim can be made with Oriental General Insurance by following the below-mentioned steps:

Step 1: Inform Oriental General Insurance

The first step is to inform the insurance company immediately about the accident/mishap involving the insured’s car. You can inform Oriental General Insurance either by calling 1800-118-485 or by sending an email containing the images of the damaged car to them.

Step 2: Survey Of Damaged Vehicle

After registering your claim request, the insurance company will assign you a surveyor who will visit you to inspect the extent of damage incurred by your car. The surveyor will send an inspection report to the insurance company after which you can proceed with the repair of your car.

Step 3: Tow Car to Preferred Garage

Get your car towed to the garage of your choice. You can either arrange for the towing service yourself or can request Oriental General Insurance to provide the same.

Step 4: Repair of Car Damages

Get your car repaired at your preferred garage/workshop. Make sure you collect all the original bills from the garage before taking your car home.

Step 5: Claim Settlement

Submit all the original repair bills along with the required documents to Oriental General Insurance to initiate a reimbursement of the claim amount.

Post completion of all formalities, Oriental General Insurance will reimburse the claim amount to you after factoring in the applicable deductibles (compulsory and voluntary, if opted for). The reimbursement may take up to 7 working days from the date of completion of formalities.

Common Claim rejection reasons

Following are some common reasons which can result in a claim rejection by the insurance company:

1. Your insurance policy had lapsed at the time of the accident
2. Unnecessary delay in reporting to the insurance company about the accident
3. You do not have a valid driving licence
4. You were driving under the influence of alcohol or drugs
5. You have been using the car to carry out illegal activities
6. You had not intimated the insurer before carrying out any repairs
7. You had bought the policy in someone else’s name.

Oriental No Claim Bonus

If someone owns a car insurance policy of Oriental Insurance and makes no claim in a policy year, then a No Claim Bonus (NCB) is offered at the time of policy renewal by the insurance company. The NCB is a discount which is to be applied on the next year’s car insurance policy premium. Every policyholder should be aware of this benefit, so he or she can make the best out of it by not making any claim. The NCB ranges between 20% to 50%, which accumulates with every claim-free year and with the same percentage the premium of the next year policy reduces.

When it comes to No Claim Bonus, it is applicable only on the premium of own-damage premium component of a comprehensive car insurance plan at the time of car insurance policy renewal. Therefore, it is very necessary for you to renew your policy timely to continue to hold and avail this NCB benefit. A unique thing about this benefit is that despite being offered with a car insurance plan, it is associated to policyholders and not the vehicle, hence, you can retain this bonus by transferring it to your new car or new insurance plan. If you do not want to lose this benefit even after making a claim, then you will have to buy an add-on cover to protect this benefit.

Oriental Car Insurance Claim Assistance & Support

The oriental car insurance claim assistance and support is available both online and offline. For offline assistance, get in touch with their Customer Support Toll-Free Number: 1800-11-8485 / 1800-123-8484

For online assistance, write an email to csd@orientalinsurance.co.in For any assistance for anything related to Oriental car insurance claim, visit their official website, orientalinsurance.org.in