Oriental Car Insurance Claim Process & Settlement Ratio

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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.

Inform the Company
Call Oriental General Insurance at 1800-118-485 right after the accident. You can also email photos of the damaged car to your branch (the email ID is in your policy document).
Car Inspection
A company surveyor will visit to check the damage to your car. This step is necessary before repairs can start.
Towing the Car
After the inspection, take your car to the nearest Oriental-approved garage. You can also ask the company to arrange towing for you.
Repair Work
Your car will be repaired at the cashless garage. The company will directly pay the repair bill to the garage once all paperwork is done.
Pay Deductibles
You only need to pay the small deductible amount (mandatory or voluntary, if chosen). After that, you can take your repaired car home.

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.

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.

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