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Oriental Zero Depreciation Add-on

During a claim settlement, an insurance company deducts the depreciation amount applicable on the insured’s car, thereby reducing the claim amount. However, a car insurance policyholder can get a complete cover including the depreciation cost by purchasing a zero depreciation cover with a comprehensive/standalone own damage car insurance policy.

Oriental Zero Depreciation Add-on Benefits

Higher Claim Amount: The zero depreciation add-on cover exempts the policyholder from bearing the cost of depreciation. Thereby enabling him/her to get higher claim amounts.

Multiple Claims: Like most of the other car insurance companies, Oriental General Insurance allows up to 2 zero depreciation claims.

Zero Depreciation vs Normal Insurance

Age of Car

Depreciation Rate Without Zero Depreciation Cover

Depreciation Rate With Zero Depreciation Cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

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Oriental Car Insurance User Reviews

5.0
Rating based on
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.

    Read More

    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.

    Read More

    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.

    Read More

    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 Zero Depreciation Add-on FAQs

  • What is not covered under Zero Depreciation Cover?

    Zero Depreciation Cover does not secure the vehicle against engine damage due to oil spillage or water ingression. In addition, it does not cover against mechanical breakdown, consumption of consumables.

  • Is it true that insurance companies allow zero depreciation cover to new cars only?

    Most insurance companies prefer to avail zero depreciation cover only to new cars or those that are less than five years old. However, different insurance companies allow different car age limits for zero depreciation cover.

  • Who should buy a zero depreciation cover?

    Every car owner is advised to opt for a zero depreciation cover, however, it is more advisable for the following: New car owners New drivers People driving in accident prone areas People who get bothered by even small scratches Owners of car with expensive parts.
FAQ
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      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.