Oriental Car Insurance Customer Care

Features And Benefits of Oriental Car Insurance:

1. This policy offers complete coverage for accidental loss or damage to the vehicle.
2. Personal accident cover (for the owner of the vehicle only) and third-party liability coverage.
3. Insurance coverage in cases such as burglary, theft, natural calamities (earthquakes, floods, landslides, rockslides, etc.).
4. Comprehensive coverage for the private vehicle for damage caused either by terrorism, riots, strikes, malicious acts, etc.
5. Customers can purchase various add-on covers over the premium of the insurance policy.
6. If the customers has not made any claim in the policy year, he/she will be eligible for the no-claim bonus when renewing the policy.
7. Coverage for loss of personal belongings during an accident. Limited to Rs.5,000 or Rs.10,000 as per the premium chosen.

What is Not Covered Under Oriental Car Insurance:

Customers will fail to avail the insurance coverage under the following circumstances:

1. If the person driving the vehicle which met with an accident does not have a valid driving license.
2. No coverage for electronic or mechanical failure.
3. If the person driving is under the influence of alcohol or drugs.
4. Any consequential loss.
5. Loss or damage to the car caused by nuclear war or mutiny.
6. Damage to tyres or tubes will not be covered.
7. Any damage caused outside India.

How is the Premium for Private Car Calculated?

The premium for the Oriental Insurance Private Car Package Policy depends on the following factors:

1. Age of the vehicle
2. Insured Declared Value of the vehicle
3. Cubic Capacity of the four-wheeler
4. Registration zone (city, village, etc.)
5. If the subscriber has chosen add-on covers
6. If the vehicle is run on LPG/CNG
7. If the subscriber has chosen additional coverage for electronic parts