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Oriental Third-Party Two-Wheeler Insurance

A two-wheeler is a preferable choice among various commuters in India since it is cost-effective, reduces traffic congestion, and does not need too much parking space. Although purchasing a two-wheeler offers affordability and convenience, one cannot ignore the unpredictable disasters it imposes on the driver/owner, passengers, and passersby.

Therefore, it is mandatory in India to have at least third-party insurance for operating a two-wheeler on roads under the Motor Vehicles Act 1988. Without third-party two-wheeler insurance, it is against the law to operate a motorcycle or scooter in India, and violators face fines from the RTO. Oriental Third-Party Two-Wheeler Insurance satisfies this legal requirement while also taking care of the third-party liability stemming from the insured’s two-wheeler.

Further details of Third-Party Two-Wheeler Insurance from Oriental Insurance are briefly discussed in this post!

Important Features & Benefits Of Oriental Third-Party Two-Wheeler Insurance

The following are some of the most important benefits that the policyholder can receive after purchasing the third-party bike insurance by Oriental Insurance:

Network Of Authorized Workshops:

Oriental Insurance has a strong network of authorized workshops where policyholders can avail of cashless repair services. These workshops are present in large numbers across the nation. To locate any one of these garages, one can visit the insurance provider’s official website.

Personal Accident Cover To Owner Driver:

Subject to certain terms and conditions of the Third-Party Two-Wheeler Insurance from Oriental Insurance, a personal accident cover of up to Rs. 15 lakhs will be given to the owner/driver. The compensation will be paid as per the type and extent of the bodily injury sustained by the owner-driver as mentioned in the below table.

Type Of InjuryScale Of Compensation
Death100%
Loss of two limbs or sight of two eyes or one limb & sight of one eye100%
Loss of one limb or sight of one eye50%
Permanent total disablement from injuries other than those named above100%

Period Of Insurance:

The coverage period for the Third-Party Two-Wheeler Insurance by Oriental Insurance is one year. There are also shorter duration covers available under the insurance.

Easy Online Purchasing & Renewal Process:

With Oriental Insurance, one can easily purchase third-party two-wheeler insurance online. Just visit the insurer’s website, fill up the entire form, make the premium payment, and download the insurance copy. Similarly, policyholders can easily renew their existing insurance by simply entering the old insurance number.

Round-The-Clock Customer Assistance:

The customer care team of the insurance provider offers consistent support to its customers to solve any issue or query regarding the two-wheeler third-party insurance. One can call their toll-free number 1800118485 or 011-33208485 (normal charges applicable).

Coverage Specifications Of Oriental Third-Party Two-Wheeler Insurance

The Oriental Third-party two-wheeler insurance offers coverage for the following expenses:

Damage To The Third-Party Property:

Oriental Insurance third-party two-wheeler insurance will pay the cost of damages without the customer having to worry if an accident involving the covered bike damages a third party’s vehicle or their property.

Injury OR Death Of Third-Party:

The third-party two-wheeler insurance by Oriental Insurance will cover the financial losses if the driver of a third-party vehicle sustains injuries as a result of a collision with the insured bike. Additionally, the insurance will shield the insured from the financial and legal repercussions if a third party perishes as a result of the accident.

Permanent Total Disability of Driver or Bike Owner:

If a third party suffers physical harm or passes away as a result of an accident involving your two-wheeler, the victim or victims may be eligible to file a claim for medical expenses under your third-party bike insurance by Oriental Insurance if they are incapacitated or unable to work. Any physical disabilities will also be paid for by the insurer.

What’s Not Insured by Oriental Third-Party Two-Wheeler Insurance?

The below-mentioned components are not covered by the Oriental Insurance third-party two-wheeler insurance.

  • Normal wear and tear
  • Intentional self-injury or suicide attempt
  • Driving in the absence of valid driving license proof
  • Driving under the influence of drugs, alcohol, and other intoxicating substances, whether directly or indirectly
  • Mechanical or electrical breakdown
  • Any consequential losses
  • Damage outside the geographical limits of India
  • If the covered vehicle is not also damaged in the same incident, damage to the tires or tubes will not be compensated as a separate claim
  • Two-wheelers being utilized for speed tests, racing, reliability trials, or for hire or reward.
  • Accessories that are lost or damaged as a result of a burglary, break-in, or theft, unless the vehicle is also taken.

Frequently Asked Questions

No. NCB or No-Claim Bonus is applicable only for comprehensive motor insurance. In case you have chosen liability-only cover, then you will not receive benefits from NCB, even if you have claim-free years.

No. You cannot choose additional riders to your basic two-wheeler insurance. Only comprehensive motor insurance will allow you to carry out this.

The premium will be calculated based on the following major factors, including IDV of the vehicle, Registration zone, Cubic capacity of the vehicle, and Age of your two-wheeler. 

If the sole insured passes away, the insurance won’t instantly expire; instead, it will continue to be in effect for three months from the date of the insured person’s passing until it expires (whichever comes first). Legal heir(s) of the insured who receive custody and use of the motor vehicle during the specified time frame may request to have this insurance transferred to their name(s) or acquire a new insurance for the two-wheeler.

No, a third-party bike insurance cannot be changed to a zero-depreciation policy. A zero depreciation add-on is available with both a standalone own-damage bike insurance plan and a comprehensive bike insurance plan, just like all other add-ons.

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