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Oriental Comprehensive Car Insurance Policy

A comprehensive car insurance policy is a type of cover which insures against both third party liabilities as well as own damages incurred by your car in a road accident or any other unfortunate event. It is advised insurance cover for all types of car as it provides a comprehensive coverage at a nominal premium amount against all heavy repair and replacement expenses which you incur due to a mishap involving your car.

The Oriental Comprehensive Car Insurance Cover insures you against all third party liabilities as well as financial losses incurred by your car in a road accident, natural disaster, man-made calamity, fire, explosion, riots, civil unrest, theft, etc.

Comprehensive Car Insurance vs Third Party Car Insurance

Basis

Comprehensive car insurance

Third party car insurance

Legal Requirement

Car owners are not legally required to have a comprehensive car insurance policy. However, it is advised policy for all types of cars.

A third party car insurance is a compulsory requirement for all car owners as per the Indian Motor Tariff.

Coverage

It provides coverage for both third party liabilities as well as own damages suffered by the insured’s car in a road accident, natural/man-made calamity, fire, theft, riots, etc.

It covers all third party liabilities only- bodily injuries, temporary/permanent disability, death of a third party as well as third party property damage up to Rs. 7.5 lakh.

Cost

The premium for a comprehensive policy is relatively more than a third party policy due to enhanced coverage.

The premium for a third party car insurance is relatively less than a comprehensive policy due to the limited coverage.

Oriental Comprehensive Car Insurance Coverage

  • Damages incurred by the insured’s car in any accident, theft, natural/man-made calamity, etc.
  • Limited/unlimited coverage in case of bodily injury/permanent disability or death of a third party.
  • Third party property damage up to Rs. 7.5 lakh.

Oriental Comprehensive Car Insurance Benefits

  • Availability of personal accident coverage of up to Rs. 15 lakh
  • Instant and paperless claim settlement process
  • Responsive customer support
  • Availability of a number of add-on covers for enhanced coverage

Explore Oriental Car Insurance

Must Read Articles before buying Oriental Car Insurance

Oriental Car Insurance User Reviews

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93 User reviews
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What users are saying
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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.

    Read More

    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.

    Read More

    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.

    Read More

    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.

    Read More

    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
Oriental Reviews

Oriental Comprehensive Car Insurance FAQs

  • My vehicle broke down in the middle of the road. Since I was in a hurry, I could not take it to an authorised garage for repairs. Can I still claim insurance for the same?

    It is fine if you had to take your vehicle to an unauthorised garage for repairs. However, it is important that you intimate the same to the insurer and get your vehicle inspected by the company’s surveyor before starting any repair work on the car. Without the necessary survey, the insurer is unable to assess the quantum of loss and, thus, evaluate the extent of the claim amount that must be disbursed.

  • If my car meets with an accident outside the city in which I got it registered, will I still be able to make an insurance claim?

    If you have bought an Oriental comprehensive car insurance policy, then you can avail the claim amount for any loss/damage caused to your car anywhere in India.

  • Is it necessary to have a comprehensive insurance cover?

    No, it is not a legal requirement to have a comprehensive car insurance cover, however, it is advised to cover for all car owners as it provides coverage for not only third party liabilities but also for damages incurred by the insured’s car in a road accident or any other mishap.

  • Is it possible to transfer a comprehensive car insurance from one car to another?

    No, transfer of any car insurance policy, including a comprehensive cover, from an insured car to another is not possible.

  • Which add-on covers s I buy to enhance my car insurance cover?

    The choice of add-on cover depends on your requirements. However, the add-on covers which are commonly opted by car owners as as follows: - Zero Depreciation Cover - Roadside Assistance Cover - Invoice Price Protection (IPP) - Consumables Cover - Engine Protection Cover - NCB Protection Cover - Lock & Key Replacement Cover
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