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Oriental Standalone Own-Damage Car Insurance Policy
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
Basis | Oriental Standalone Own-Damage | Oriental Comprehensive Insurance | Oriental Third Party Insurance |
Coverage | Oriental Standalone Own-Damage provides coverage for own-damage costs including road accidents, theft, floods, etc. The cover is not compulsory. | The Oriental comprehensive car insurance plan provides complete protection for you and your car. By paying a single premium, the plan takes care of both third-party liabilities and own damage costs | Oriental third-party insurance provides coverage for third-party liabilities only. This includes property damage, death, and injuries. This policy is compulsory. |
Cost | This policy is expensive as compared to third-party because this policy provides cover for own-damage of the insured vehicle.. | This policy is expensive from standalone own-damage policy or third party policy because comprehensive policy provides the third-party and own damage cover. | This policy is quite affordable because it provides basic coverage. |
Add-on | This policy offers a wide range of add-on covers to choose from. | The comprehensive policy provides several add-on options to choose from. | No add-on cover options are provided under this policy. |
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.
Benefits of Oriental Standalone Own-Damage 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.
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