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Oriental Two Wheeler Insurance Policy Online Renewal

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Plan Benefits

Policy Coverage

Customer Service

Claim Experience

The Oriental Insurance Company Ltd

Incorporated in 1947, Oriental Insurance Company offers a variety of general insurance products in India. Headquartered in New Delhi, the insurance company has 31 regional offices and over 1800 operating offices spread across the country.

Motor Package Insurance Policy For Two-Wheeler

Oriental Insurance Company offers Liability Only Two-Wheeler Insurance Policy and Two-Wheeler Package Policy for two-wheelers in India. While the Liability Only Policy covers the insured against loss or damage caused to a third party due to the insured vehicle, the package policy covers own damage as well.

Oriental Insurance Two-Wheeler Insurance Benefits:

Oriental Bike Insurance offers insurance offers both liability-only plan and a comprehensive insurance plan. Both the plans have their benefits. Pick the one you want after knowing the advantages based on your insurance needs.Oriental Bike Insurance offers insurance offers both liability-only plan and a comprehensive insurance plan. Both the plans have their benefits. Pick the one you want after knowing the advantages based on your insurance needs.

Oriental Two Wheeler Insurance Coverage

Coverage Under Oriental Bike Insurance Package Policy

  • Loss or damage caused to the vehicle
  • Personal accident cover for the driver/owner of the vehicle.
  • Loss or damage caused to the vehicle due to burglary, theft, housebreaking, and more.
  • Loss or damage to the vehicle due to fire, explosion, lightening, and self-ignition.
  • Loss or damage caused to the vehicle due to a natural disaster such as landslide, rockslide, earthquake, etc.
  • Man-made malicious acts, strikes, riots, terrorism.
  • Loss or damage to the vehicle while in transit.

Maximum Amount Insured

In case of total loss of the vehicle due to accident or theft, the maximum compensation payable by an insurance company is limited to the Insured Declared Value of the vehicle. The IDV is determined based on the manufacturer’s listed selling price adjusted with depreciation. For a vehicle older than five years, the IDV is determined based on the mutual understanding between the insurer and the customer.

Factors Affecting Premium Calculation

The premium for a two-wheeler insurance policy is determined based on multiple factors. Some of which are listed below:

  • Insured Declared Value of the vehicle
  • Vehicle registration zone
  • Cubic capacity of the vehicle
  • Age of the vehicle
  • Add-on covers opted for
  • Electrical and electronic items installed to the vehicle

Exclusions Under The Policy

  • Damage or loss caused to the vehicle by a person driving the vehicle without a valid driving license
  • Damage or loss caused to the vehicle by a person driving under the influence any intoxicating substance
  • Mechanical or Electrical breakdown
  • Consequential loss
  • Depreciation in the value of the vehicle
  • Loss or damage to the vehicle due to war/mutiny/nuclear risk
  • Damage or loss of consumable items unless the vehicle is damaged at the same time. The liability of the insurer is limited to 50% in such cases.
  • Damage caused outside the geographic area outside India.
  • Claims made for an insured vehicle being used against the limitations specified in the policy.
  • Loss or damage to the vehicle accessories unless the vehicle is stolen at the same time.

Discounts in Premium

A policyholder may avail certain discounts on their two-wheeler insurance policies in the following ways:

  • Opting for a higher voluntary excess
  • By installing an ARAI approved anti-theft device
  • Availing No Claim Bonus (NCB)
  • By becoming a member of a recognised automobile association.

Oriental Insurance Company Two Wheeler Insurance Customer Care Numbers

In case you have queries or concerns regarding the products offered by Oriental Insurance Company or need information on claims processing and settlement, you may get in touch with the customer care department at Oriental Insurance Company by calling on 1800118485 (toll-free number). You may also call on 011- 33208485 (Charges applicable).

Oriental Insurance Company Branch Offices

Customers may also get the needed information and buy insurance products by visiting the nearest Oriental Insurance Branch. The branch offices can be located through the official website of the insurer. Below mentioned is the address of the registered office of Oriental Insurance Company:

Registered Office:

Oriental House, A-25/27, Asaf Ali Road,

New Delhi - 110002

Phone No.s: 011-43659595

CIN: U66010DL1947GOI007158

Oriental Two Wheeler Insurance Frequently Asked Questions

  1. What are the kinds of motor insurance policies that I can buy from Oriental Insurance Company?

    The insurance company offers two types of motor insurance policies as mentioned below:

    Liability Only Policy: This policy covers the insured against legal and financial liabilities arising out of damage or loss caused to a third party due to the insured vehicle. A third-party liability insurance policy is the minimum insurance required for motor vehicles as under the Motor Vehicles Act.

    Package Policy: The package policy offered by Oriental Insurance Company covers the insured in a variety of incidents causing loss or damage to the vehicle as well as liabilities arising out of accidental loss or damage caused to a third party.

  2. Can I buy Oriental motorcycle insurance policy online?

    Yes, you may buy or renew a motorcycle insurance policy through the official website of Oriental Insurance. All you are required to do is fill up some basic details about your vehicle, enter some basic personal details, calculate the premium, and make the payment using any of the payment options available.

  3. What will be the premium for my motorcycle insurance policy?

    The premium for a motorcycle insurance policy depends on multiple factors such as make and model of the vehicle, zone of registration, claims history, No Claim Bonus, age of the vehicle amongst other factors.

  4. Can I buy a new motor insurance policy if my existing policy has already expired?

    A fresh insurance policy can be purchased if your existing policy has already expired. However, since there will be a break in the insurance, the insurance company may inspect the vehicle before issuing a fresh insurance policy.

  5. Can I get a duplicate insurance certificate if I have lost my policy document?

    Yes, you can submit an application for a duplicate insurance certificate to the issuer who will issue a duplicate policy copy.

  6. What to do if my vehicle gets stolen?

    In case of a theft, the first thing that a policyholder should do is report the incident at the nearest police station. The policyholder also needs to inform the insurer about the incident.

Oriental Two Wheeler Insurance Reviews

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  • Oriental Insurance Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I am having a two wheeler insurance with Oriental insurance from last 1 year, a premium of Rs 3600 has to be paid for this insurance policy. I have no claim experience so far with this insurance. I am happy with the returns and benefits of this policy.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 03, 2019
  • Oriental Insurance Two Wheeler Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have been using my Two wheeler insurance with Oriental bank, there service is good, the agent had explained me properly amount the accidental policy and about coverage , and the premium amount i need to pay on yearly basis, they have charged me nominal, and even there is bumper to bumper policy in this insurance, and premium amount is basis on the valuation of bike.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 24, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Motto is very good towards the customer"
    0.5 5.0/5 "Blown Away!"
    I have purchased a two wheeler insurance policy from Oriental. They have don' t have any special plan however the coverage value was good. They have provided me Rs. 40000 for my vehicle. After the discounts and no claim bonus, i get 40% discount on my premium and I'm satisfied with the policy. I have been renewing the policy for 28 years from oriental insurance.
    Was this review helpful? 4
    , bangalore
    Reviewed on Dec 21, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good protection for my vehicle"
    0.5 5.0/5 "Blown Away!"
    One policy got expired they taken three days to activate it, for my another bike I have oriental insurance there was no claim experience, I picked up for my tvs jupitar. The premium is also economical, the policy which I have taken is comprehensive.
    Was this review helpful? 3
    , bangalore
    Reviewed on Dec 17, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Its Excellent"
    0.5 5.0/5 "Blown Away!"
    My LIC advisor suggested Oriental insurance for bike policy, I paid the amount around Rs. 1200 for one year policy, It has third party cover but I have not taken any claim, I got my policy documents on time because the customer service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Nov 30, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and the premium has been paying on an annual basis. The premium amount was around 1400 and payment method has been easy as well. I had not made any claims so far and it has been a good experience with them.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a two wheeler insurance from ORIENTAL INSURANCE. The policy period is one year. I have paid the premium of Rs.1700 through cash. They are having good service point for the two wheeler insurance and the claim experience is average. The policy coverage and the plan benefits are really good.
    Was this review helpful? 0
    , vadodara
    Reviewed on Nov 23, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My two wheeler is insured with Oriental insurance from last 1 year, a premium of Rs 2000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
    Was this review helpful? 4
    , bangalore
    Reviewed on Nov 19, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I took a two wheeler insurance with Oriental Insurance. In my company, they have tied up with one agency for the personal and vehicle insurance. I have paid 1400 rupees for a year. The services are good. The process was simple. The policy coverage and the plan benefits.
    Was this review helpful? 1
    , chennai
    Reviewed on Nov 17, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Claim process is taking more time"
    0.5 4.0/5 "Great!"
    I have purchased the health insurance policy with Oriental. My entire family has been covered in this policy. My organization has provided the policy and they will be managing all the policy details. I never interacted with the oriental customer care services. I had a claim experience with oriental but my company taking care of that when i submitted the documents. Its taking 20 days to get settlement. They have given me a coverage value of Rs. 5 lakhs.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 16, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I've a bike insurance policy with the Oriental Insurance Company. I am paying a premium of 1200, I do have a claim experience with the policy where I was able to claim 15000-16000. The whole claim process was easy and hassle free. Overall ti has been a good experience with the services.
    Was this review helpful? 3
    , chennai
    Reviewed on Aug 13, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I've been using the Bike Insurance policy with the Oriental Insurance Company. I am paying a premium of 2000, the policy covers the entire bike. I do not have any claim experience with the policy either. So far it has been a good experience with their services.
    Was this review helpful? 3
    , bangalore
    Reviewed on Jul 17, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance policy with Oriental Insurance from last 2-3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1300 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
    Was this review helpful? 1
    , karad
    Reviewed on Jul 05, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a two wheeler insurance policy with Oriental insurance from last 1 year, a premium of Rs 900 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 03, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Service so far"
    0.5 5.0/5 "Blown Away!"
    I've a bike insurance policy with the Oriental Insurance Company, I pay a premium of 1600, I do not have any claim experience with the policy. So far it has been a good experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any in future.
    Was this review helpful? 1
    , new delhi
    Reviewed on Jun 20, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance with Oriental Insurance from last 12-13 years and it is a good insurance policy to use. My claim experience with this insurance policy is not up to the mark and the coverage value is not good. I pay a premium of Rs 1200 for this insurance policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on May 11, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a two wheeler insurance policy with Oriental Insurance from last 1 year. The coverage value for this insurance policy is up to 60-70%. I have not claimed anything so far from this insurance policy. A premium of Rs 2000 has to be paid every year for this insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 03, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am using Oriental Two wheeler insurance from last 5 months and it is one of the best insurance policy to use. A premium of Rs 1000 has to be paid every year for this insurance. I have a coverage value of 60-70%. I have not claimed anything so far with this insurance.
    Was this review helpful? 0
    , kolkata
    Reviewed on Apr 25, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a two wheeler insurance with Oriental Insurance from last 7 years, i do not have any claim experience so far with this insurance policy. The coverage value of this insurance policy is 60-70% and i am satisfied with it. I pay a premium of Rs 1200 every year for this insurance.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Apr 20, 2018
  • Oriental Insurance Two Wheeler Insurance
    "Better policy to use"
    0.5 4.0/5 "Great!"
    I have got the two wheeler insurance policy along the two wheeler loan. The customer support service is average with the ORIENTAL INSURANCE, they wont give proper reminders to renew the policy . I have paid Rs,11,00 to renew the policy last time.
    Was this review helpful? 0
    , guntur
    Reviewed on Apr 12, 2018
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