Oriental Own Damage Car Insurance

A Standalone Own-Damage Car Insurance policy offers coverage for own damage of the insured vehicle in case of a mishap. An own-damage policy provides a sense of peace to the policyholder, knowing that he/she will retain financial stability in case an unforeseen event occurs. An own-damage policy provides protection from many scenarios such as car theft, vandalism, damage of the insured vehicle from fire/explosion, damage of the insured vehicle caused by a road accident, damage of the insured vehicle caused in a natural disaster etc. The own-damage policy is not compulsory but is a good choice to consider with compulsory third-party policy.

Oriental Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Car Insurance

What is Covered Under Oriental Standalone Own-Damage Policy?

Oriental Standalone Own-Damage policy covers the below-mentioned aspects:

• Damage of the vehicle due to fire or explosion
• Damage to the insured vehicle due to an accident
• Damage to the insured vehicle due to a natural or manmade disaster.
• Theft or vandalism of the insured vehicle

What is Not Covered Under Oriental Standalone Own-Damage Policy?

Following aspects are not covered under an Oriental Standalone Own-Damage policy:

• Accidents that involve illegal driving of any sort
• Car breaking down due to mechanical or electrical failure.
• Depreciation of the insured vehicle.
• Accidents that happen outside the geographical scope as mentioned in the terms and conditions of the policy.

Following are the benefits of purchasing an Oriental car insurance policy:

• This policy offers protection for own-damage costs in several scenarios such as car theft, vandalism, damage of the insured vehicle from fire/explosion, damage of the insured vehicle caused by a road accident, damage of the insured vehicle caused in a natural disaster etc. . This policy provides financial stability to the policyholder in the times of crisis.
• This policy provides a No Claim Bonus to the policyholder for every claim-free year. The bonus can get up to 50% in the fifth consecutive year.
• Under this policy, you expand the coverage of the policy by choosing a suitable add-on coverage option available.

How to Purchase Oriental Standalone Own-Damage Policy?

Follow these simple steps to purchase Oriental Standalone Own-Damage policy:

Step 1: Visit the website of InsuranceDekho and click on the ‘Car’ tab. Select the ‘Standalone Own Damage’ option from the drop-down menu.

Step 2: Enter your car’s registration number, in case you don't know your car’s registration number, you can also enter the car's make, model or year of registration to proceed.

Step 3: Fill in your personal information correctly and click on ‘Submit and Get Quotes’

Step 4: Policy quotes by different insurers will get displayed. Choose Oriental policy quote, choose an add-on cover according to your requirements and budget

Step 5: Make the payment for the policy. After the payment has been paid the policy will be instantly and shall be sent to your registered email ID.