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Key Features:
  • Covers Third Party Person
  • Covers Third Party Property

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Oriental Third Party Car Insurance Policy

A third party car insurance is a type of car insurance which secures you from the claims made by a third party involved in an accident with your car. According to the Indian Motor Tariff 2002, it is compulsory for every car owner to have at least a third party car insurance, absence of which attracts a fine of Rs. 2,000 and/or imprisonment of up to 3 months for the first offence.

The third party car insurance offered by Oriental General Insurance insures you insures you against all types of third party third party damages be it bodily injuries, temporary or permanent disability, death of a third party or third party property.

Third Party Car Insurance vs Comprehensive Car Insurance


Third party car insurance

Comprehensive car insurance


It covers all third party liabilities - bodily injuries, temporary/permanent disability, death of a third party as well as third party property damage up to Rs. 7.5 lakh.

In addition to all third party liabilities, a comprehensive policy also provides insurance for damages incurred by the insured’s car in any road accident, natural/man-made calamity, theft, fire, etc.

Legal Requirement

As per the Indian Motor Tariff, a third party car insurance is a compulsory requirement for all car owners.

To have or to not have a comprehensive car insurance policy is solely a choice of the car owner. There is no legal requirement related to a comprehensive cover.


Available at relatively lower premium rates due to limited coverage.

Available at relatively higher premium rates due to extended coverage.

Oriental Third Party Car Insurance Policy Coverage

A third party car insurance policy offered by Oriental General Insurance covers the following:

  • Bodily injury/death of a third party by the insured’s car. The insurer has a limited/unlimited liability in such cases and the amount of compensation is decided by a court of law.
  • Compensation of up to Rs 7.5 lakh for third party property damage.

The Oriental third party car insurance policy does not provide a cover for the following:

  • Bodily injury of the policyholder
  • Damages/loss incurred by the insured’s car
  • Contractual liabilities.

Must Read Articles before buying Oriental Car Insurance

Oriental Car Insurance User Reviews

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What users are saying
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  • Quick and transparent buying ...

    It just took me a few minutes to buy Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio...

    By Gaurav Lalwani
    On: July 10, 2020
  • Affordable premium

    A few weeks ago, I purchased Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio car. I ...

    By Mohit Gulati
    On: July 9, 2020
  • Great assistance at InsuranceD...

    I was purchasing a car insurance policy online for the first time and hence contacted the team at InsuranceDek...

    By Gaurav Madhavan
    On: July 3, 2020
  • Website is easy to navigate

    InsuranceDekho’s website is really easy to navigate. I purchased Oriental car insurance policy from them for m...

    By Gopal Yadav
    On: July 2, 2020
  • Many benefits under my policy

    I recently purchased Oriental car insurance policy for my Honda Amaze car from InsuranceDekho and the team exp...

    By Jaspal Singh
    On: June 26, 2020
  • Helpful team at InsuranceDekho

    I wanted to purchase Oriental car insurance policy for my Mahindra Scorpio car and I contacted InsuranceDekho...

    By Nipun Aggarwal
    On: June 25, 2020
  • Got my claim amount easily

    I got a complete claim amount from Oriental Insurance for my Tata Tiago car with the assistance of InsuranceDe...

    By Shekhar Kumar
    On: June 4, 2020
  • Multi-year plans available

    The InsuranceDekho platform offered me multi-year policies of different insurers. After making comparisons, I ...

    By Anees Verma
    On: June 2, 2020
  • Exceptional customer support

    InsuranceDekho has a great customer care team that helps me whenever I want. They have answers for all my ques...

    By Shantanu Nanda
    On: May 29, 2020
  • Easy to select insurance quote...

    InsuranceDekho offered me several insurance quotes from which I compared and chose Oriental insurance cover to...

    By Anil Kumar
    On: May 27, 2020

Oriental Third Party Car Insurance FAQs

  • Is it mandatory to buy a car insurance policy?

    The Indian Motor Tariff mandates every car owner to have at least a car insurance policy in place. Also, the importance of this insurance cannot be undermined as it frees the insurance from all unforeseen financial burden towards a third party due to an accident involving the insured’s car.
  • How do I benefit from buying a car insurance policy online?

    Ease of comparison of various insurance policies, paperless policy proposal and online payment mechanisms make way for seamless and hassle-free buying of insurance are some of the benefits which one avails while purchasing a policy online.
  • My car just crashed against a scooter causing the latter’s driver to sustain grievous injuries. How do I file a third-party insurance claim?

    You may make a claim by either logging on to the insurance company’s website or calling the insurer’s customer care centre for the same.
  • Can I avail NCB discount with a third party car insurance policy?

    Unfortunately, No Claim Bonus (NCB) discount cannot be availed with a third party car insurance policy.
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