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Written by Amit Jain

Updated Aug 20, 2020

​Oriental Car Insurance Add on Covers

Oriental Insurance offers few but useful add-on covers with its car insurance policies. These add-on covers help you extend the insurance cover of your plan. These add-ons can be opted with Oriental Comprehensive as well as Standalone Own-Damage car insurance plans:

​Oriental - 4 Important Add-on Covers For Your Car Insurance Policy

1. Nil Depreciation Cover

The responsibility to bear the depreciation expense of your car and its parts is by default on you. Thus, the insurer deducts this depreciation expense from your claim amount at the time of a claim settlement. However, if you opt for the Oriental Nil Depreciation Cover, you get exempted from bearing the depreciation of your car and all its metal and plastic parts at 100% except tyres, tubes and batteries which are covered at 50%. It is a great add-on in the sense that in return of a nominal premium you get exempted against huge depreciation expenses.

2. Loss of Personal Belongings

If you opt for this add-on, the insurer reimburses you the cost of personal belongings lost from your car. All personal belongings are covered under this cover except money, credit cards, laptops and mobile and the insurer promises to reimburse you a maximum of Rs.5,000 or Rs.10,000, as the limit chosen by you. The premium stands at Rs 400 and Rs.650 for the compensation limits of Rs.5,000 or Rs.10,000 respectively.

3. Alternative Car Benefit

In case your car meets an accident or gets stolen, the insurer will provide you with an alternative vehicle for a limited time period of 5,10 or 15 days with a per day limit of Rs. 400 or Rs. 650 as opted by you. This add-on benefit is available in case your car gets stolen or gets more than 20% damaged in a mishap.

4. Free Benefit of Emergency Service

If you get your car insured through Oriental General Insurance offices located in Delhi and NCR, Punjab, Haryana, Rajasthan, Himachal Pradesh, Mumbai, Kolkata and all Southern States, then you will get free emergency services from the insurer in case of a breakdown.

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Written by Amit Jain

Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe.&Read More

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Oriental Car Insurance User Reviews

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  • Quick and transparent buying ...

    It just took me a few minutes to buy Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio car. The process was quick, smooth and transparent.

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    G
    By Gaurav Lalwani
    On: July 10, 2020
  • Affordable premium

    A few weeks ago, I purchased Oriental car insurance policy from InsuranceDekho for my Mahindra Scorpio car. I paid an affordable premium for the same and enjoy several benefits under my policy.

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    M
    By Mohit Gulati
    On: July 9, 2020
  • Great assistance at InsuranceD...

    I was purchasing a car insurance policy online for the first time and hence contacted the team at InsuranceDekho for help. They assisted me well and helped me buy Oriental policy for my Maruti Suzuki Ciaz car.

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    G
    By Gaurav Madhavan
    On: July 3, 2020
  • Website is easy to navigate

    InsuranceDekho’s website is really easy to navigate. I purchased Oriental car insurance policy from them for my Tata Tiago car without any hassle. I was able to get a variety of quotes online and shortlist the best online on my own.

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    G
    By Gopal Yadav
    On: July 2, 2020
  • Many benefits under my policy

    I recently purchased Oriental car insurance policy for my Honda Amaze car from InsuranceDekho and the team explained to me everything about my policy. I really liked the policy benefits.

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    J
    By Jaspal Singh
    On: June 26, 2020
  • Helpful team at InsuranceDekho

    I wanted to purchase Oriental car insurance policy for my Mahindra Scorpio car and I contacted InsuranceDekho as I was facing some issues. The team helped me and I was able to purchase the policy easily.

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    N
    By Nipun Aggarwal
    On: June 25, 2020
  • Got my claim amount easily

    I got a complete claim amount from Oriental Insurance for my Tata Tiago car with the assistance of InsuranceDekho. It is a huge factor that keeps my trust in the insurance platform.

    Read More

    S
    By Shekhar Kumar
    On: June 4, 2020
  • Multi-year plans available

    The InsuranceDekho platform offered me multi-year policies of different insurers. After making comparisons, I bought an Oriental insurance plan for a 2-year policy term for my Maruti Ciaz car from them.

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    A
    By Anees Verma
    On: June 2, 2020
  • Exceptional customer support

    InsuranceDekho has a great customer care team that helps me whenever I want. They have answers for all my questions related to my Oriental car insurance policy for my Kia Carnival car.

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    S
    By Shantanu Nanda
    On: May 29, 2020
  • Easy to select insurance quote...

    InsuranceDekho offered me several insurance quotes from which I compared and chose Oriental insurance cover to insure my Ford Endeavour car.

    Read More

    A
    By Anil Kumar
    On: May 27, 2020
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