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Oriental Car Insurance Claim
A car insurance claim is when a car owner asks the insurance company to pay for the damage or loss caused to their insured car. You can make more than one claim during the policy period, but it depends on the maximum amount (sum insured) mentioned in your policy.
Oriental General Insurance makes the claim process simple and hassle-free. You can file a claim online or by visiting an Oriental branch.
Motor Insurance Plans By Oriental
Types of Oriental Car Insurance Claims
There are two types of claims:
- 01
Cashless Claim
If you take your car to a garage in Oriental’s approved network, the insurance company pays the repair cost directly. You don’t have to pay anything.
- 02
Reimbursement Claim
If you take your car to a garage outside the approved network, you pay for the repairs first. Later, the insurance company will give you the money back.
How to Make a Reimbursement Car Insurance Claim with Oriental General Insurance?
New India Assurance follows a straightforward and customer-friendly process to settle car insurance claims. Here’s how it works step by step:Step 1. Inform the Company
Call 1800-118-485 or email Oriental General Insurance with photos of the damaged car immediately after the accident.
Step 2. Car Inspection
A company surveyor will check your car and send a report to Oriental. After this, you can repair your car.
Step 3. Towing the Car
Tow your car to your preferred garage. You can request Oriental to arrange towing if needed.
Step 4. Get the Car Repaired
Repair your car at your chosen workshop and keep all the original bills safely.
Step 5. Submit Bills and Get Payment
Submit all bills and documents to Oriental General Insurance. After checking everything, the company will send the reimbursement amount (minus deductibles) to your account within 7 working days.
Common Reasons Why Your Claim Can Be Rejected
Expired Policy: Your insurance policy was not active when the accident happened.
Late Reporting: You informed the insurance company too late about the accident.
No Valid Licence: The person driving the car did not have a valid driving licence.
Drunk or Drugged Driving: The car was being driven after drinking alcohol or using drugs.
Illegal Use: The car was being used for illegal or unlawful activities.
No Prior Intimation: You got the car repaired before informing the insurance company.
Wrong Policy Name: The insurance policy was not in your name.
FAQs
You can file a claim online through the Oriental Insurance website or offline by visiting the nearest branch. You can also call their helpline number 1800-118-485 to start the claim process.
You will need your policy document, car registration certificate (RC), driving licence, FIR (if needed), and repair bills or photos of the damaged car.
In a cashless claim, your car is repaired at an Oriental network garage, and the company pays the bill directly. In a reimbursement claim, you pay for the repair first, and the company refunds the amount later.
If all the documents are correct, most claims are settled within 7 working days after all formalities are done.
Yes, claims can be rejected if your policy has expired, you delay reporting the accident, or drive without a valid licence or under the influence of alcohol.
Yes, you must pay the deductible amount, which is a small part of the repair cost as mentioned in your policy.