Oriental Comprehensive Car Insurance

The comprehensive car insurance by Oriental Insurance comes with a multitude of add-on covers, making it a viable option for car owners. Since the range is huge, we’ve jotted down a few to make you understand it in detail!

Alternate Car Benefit:

This add-on cover will become applicable if your car is damaged to the point where repairs would cost more than 20% of the insured declared value. You would receive a daily allowance for up to 15 days at either INR 400 or INR 650, depending on the coverage. You could plan to rent a substitute car with the help of this allowance while your car is being fixed.

Loss of Personal Effects:

The add-on would provide compensation for your loss if you lost your items while they were in the car. Cash, laptops, credit cards, and mobile phones would not be covered items. The premiums can be as low as INR 400 or as high as INR 650 depending on whether the coverage limit is INR 5000 or INR 10,000.

Nil Depreciation Cover:

The add-on does not cover the car’s and its parts’ depreciation. The parts of the car may be replaced or repaired when it is damaged and sent for repairs. In that situation, the insurance provider subtracts the appropriate depreciation from the parts that have been repaired or replaced when paying a claim.

Loss on Accident OR Theft:

Depreciation and the wreck value of the parts must be subtracted from the repair or replacement costs in the event of partial damage. The Insured Declared Value (IDV) in the event of theft or total loss. All claims are subtracted from the applicable excess.

Liability to Third-Parties:

The legal responsibility resulting from such an incident to a third party is covered under liability to third parties if the insured vehicle results in Injury/Death and/or Property Damage.

24/7 Customer Support:

The major benefit of choosing Oriental Comprehensive Car Insurance is that no matter what time it is, Oriental Insurance will provide round-the-clock assistance when it comes to filing a claim.

Covers Natural Disasters:

Another major feature and benefit of considering the Comprehensive car insurance from Oriental Insurance is that the customers will get coverage against a multitude of natural disasters, including fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Peace of Mind:

One of the major features and benefits of considering Oriental Comprehensive Car Insurance is that you will have peace of mind, ensuring that your four-wheeler is protected and all claims can be settled.

To buy Oriental Comprehensive Car Insurance, the following are the steps to follow.

• Visit the official website of Oriental Insurance.

• Locate “Buy Online” and put your cursor over it and then under “Motor Insurance Policy”, click on “Four-Wheeler”.

• Then, you will need to select the type of insurance, Date of first registration of the vehicle, Date of purchase of a vehicle, RTO zone, State of purchase, and enter additional cover details like Start date of new insurance, Vehicle registration number, Hypothecation type, and many other details.

• Once you are done entering all the details, you will need to click on “Calculate Premium”.

• The moment you click on it, you will see the details of the premium amount that you need to pay. Then, in the next step, you will need to enter your details like name, address, email ID, vehicle details, and many more.

• After successfully entering all the details, you will need to make a payment using your debit/credit card or Net Banking.

• Congratulations – You have finally purchased the Oriental Comprehensive Car Insurance and all the associated details will be sent to the registered email ID and mobile number.

Listed below are the frequently asked questions related to Oriental Comprehensive Car Insurance.