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Benefits of Oriental Comprehensive Car Insurance
- 01
It gives you complete protection for both your car damage and third-party losses.
- 02
It protects you financially if there is any loss caused by accidents, fire, theft, natural disasters, and man-made events like riots or vandalism.
- 03
The policy helps you avoid high repair or replacement costs after an accident, which reduces sudden financial stress.
- 04
You can buy extra add-on covers, such as zero depreciation, loss of personal items, and more, to make your policy stronger.
- 05
With this plan, you can drive worry-free knowing that you and your car are fully protected against unexpected events.
Motor Insurance Plans By Oriental
What is Covered and Not Covered in Oriental Comprehensive Car Insurance?
What it Covers
Car Theft
If your car is stolen, the insurance company will pay you the car’s current market value (IDV).
Fire Damage
If your car catches fire and gets damaged, the insurer will pay for the repair or replacement.
Third-Party Losses
If your car causes injury, death, or property damage to someone else, this policy will cover those expenses.
Man-Made Incidents
If your car is damaged due to riots, strikes, or terrorism, the company will pay for the losses.
Accidental Damage
If your car is involved in an accident and gets damaged, the policy will cover the repair costs.
Natural Disasters
If a flood, earthquake, cyclone, or landslide damages your car, the insurer will pay for repairs or replacements.
In-Transit Damage
If your car is damaged while being transported by road, air, or water, it will be covered.
Vandalism
If someone intentionally damages your car, the insurer will cover the cost of repairs.
Personal Accident Cover
If the owner or driver gets injured or dies in an accident, the policy will provide financial help to the family.
What Does it not Covers
Driving Without a Licence
If the driver does not have a valid licence, the insurance will not cover any losses.
Drunk Driving
No claim will be paid if the driver was driving under the influence of alcohol or drugs.
Normal Wear and Tear
Regular use or aging of your car is not covered by the policy.
Tyre or Tube Damage (Non-Accidental)
Damage to tyres or tubes without an accident will not be covered.
Depreciation
The normal drop in your car’s value over time is not included.
Owner’s Negligence
If you act carelessly, like ignoring safety warnings or driving during floods, the damage would not be covered.
War or Nuclear Risks
Any damage caused by war or nuclear activities is not covered.
Mechanical or Electrical Breakdown
Problems in the engine or electrical parts not caused by an accident will not be paid for.