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Oriental Comprehensive Car Insurance
A comprehensive car insurance policy is a type of insurance that protects you in two ways: it covers damage to your own car and also liabilities to third parties if your car causes an accident. It is recommended for all car owners because it gives full protection at a reasonable cost, helping you avoid heavy repair or replacement bills after an accident.
The Oriental Comprehensive Car Insurance covers third-party damages as well as losses to your own car caused by accidents, natural disasters, fire, theft, riots, explosions, or other unfortunate events.
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.
FAQs
Yes. A comprehensive policy gives complete protection for both your car and third-party damages. It helps you save money on big repair bills after accidents or natural disasters.
You will need your car’s RC (Registration Certificate), ID proof, address proof, and a passport-size photo. For new cars, you may also need the delivery date and car details.
Yes, if you already have NCB from your previous insurer, you can transfer it to Oriental Insurance while buying or renewing your policy.
If you miss the renewal date, your policy will lapse, and you will lose your No Claim Bonus (NCB) and coverage. The company will inspect your car again before getting a new policy.