The Oriental Insurance Company Limited offers reliable and affordable Car insurance solutions backed by decades of industry experience. With close to 7 million policies sold, it is trusted by millions of vehicle owners across India for financial security and hassle-free claims. The company provides comprehensive and third-party coverage options tailored to diverse customer needs. Its extensive network of cashless garages ensures smooth and convenient vehicle repairs nationwide. With efficient claim settlement, transparent processes, and dedicated customer support, it continues to strengthen its reputation as a dependable motor insurance provider.
The Oriental Insurance Company Limited was established in 1947 and is one of India’s leading public sector insurers with multiple national-level awards. It is registered with IRDAI under Registration Number 556, ensuring regulated and trustworthy insurance services.
| Feature | Details |
|---|---|
| Third-Party (TP) Cover | Covers legal liability for third-party injury or property damage |
| Personal Accident (PA) Cover | Up to ₹15 lakh for owner-driver |
| Comprehensive Cover | Covers both third-party and own vehicle damages |
| Add-ons | Offers 7+ add-ons, including zero dep, engine cover, RSA, etc. |
| No Claim Bonus (NCB) | Up to 50% discount for claim-free years |
| Network Garages | 7,926+ cashless garages across India |
| Zero Dep Claims | Unlimited claims with Zero Depreciation add-on |
| Normal Claims | Unlimited claims with standard depreciation applicable |
The Oriental Insurance Company Limited is a trusted Indian insurer known for reliability, strong service standards, and customer-focused policies.
Owned, operated, and managed in India, serving Indian customers nationwide
79+ years of experience in protecting policyholders
91.64% claim settlement ratio in FY 2024–25
24×7×365 assistance with 6,200+ employees, 62,000+ agents & POSPs, and 1,000+ offices
Focused on transparent processes and protecting what matters most to customers
The Oriental Insurance Company Limited offers the following types of car insurance policies based on its official policy wordings:
Covers legal liability for injury, death, or property damage caused to third parties, as mandated under the Motor Vehicles Act.
Provides complete protection by covering third-party liability along with own-damage due to accidents, theft, fire, natural calamities, and man-made disasters.
Covers only damage to the insured vehicle and its accessories, without third-party liability (available when TP policy is taken separately).
Offers restricted coverage for third-party liability along with protection against fire and/or theft only.
Provides accidental death and disability cover up to ₹15 lakh for the registered owner-driver (included with eligible policies).
The Oriental Insurance Company Limited offers several optional add-ons and endorsements under its Private Car Package Policy to enhance standard coverage and provide better financial protection.
Reduces the impact of depreciation on replaced parts, helping you receive higher claim payouts (available through add-on/endorsement).
Covers damage or loss of non-factory-fitted electrical and electronic items such as music systems and accessories.
Provides a premium discount if an ARAI-approved anti-theft device is installed in the vehicle.
Extends policy coverage to neighbouring countries such as Nepal, Bhutan, Sri Lanka, and Bangladesh (on payment of extra premium).
Protects the financial interest of banks or financiers in case the vehicle is purchased on loan or lease.
Allows policyholders to share a part of claim expenses in exchange for lower premiums.
Offers limited coverage focusing on third-party liability along with fire or theft protection.
Provides compensation up to ₹15 lakh for death or permanent disability due to accidents (included as standard but can be enhanced where applicable).
Oriental Car Insurance provides comprehensive protection against vehicle damage, third-party liabilities, and personal accidents to ensure complete financial security on the road.
Fire, explosion, self-ignition, lightning
Theft, burglary, housebreaking
Riot, strike, malicious act, terrorist activity
Natural calamities such as flood, cyclone, storm, earthquake, landslide
Accidental external damage
Transit by road, rail, inland waterway, lift, elevator, or air
Reasonable towing charges up to ₹1,500 per accident
Total Loss / Constructive Total Loss (if repair cost exceeds 75% of IDV)
Death or bodily injury to third parties
Injury to occupants (not for hire or reward)
Damage to third-party property
Legal costs and defence expenses (with insurer’s consent)
Death: 100% compensation
Loss of two limbs / sight of two eyes: 100%
Loss of one limb / sight of one eye: 50%
Permanent total disablement: 100%
Maximum limit: ₹15 lakh
Oriental Car Insurance does not cover certain exclusions such as wear and tear, mechanical failures, unlawful use, or losses arising from specific high-risk situations.
Normal wear and tear or depreciation
Mechanical or electrical breakdown
Consequential losses
Damage to tyres/tubes unless vehicle is damaged at the same time (limited to 50%)
Driving under the influence of alcohol or drugs
Use of vehicle outside permitted limitations
Driving without valid licence
War, invasion, civil war, nuclear risks
Contractual liabilities
Loss outside geographical area (unless extended via endorsement)
Here’s how you can buy car insurance from The Oriental Insurance Company Limited through Coverfox:
Visit Coverfox Website
Go to Coverfox.com and head over to the Car Insurance Tab.
Enter Your Car Details
Provide your vehicle registration number, model, manufacturing year, and current insurance status.
Compare Quotes
After entering the details, choose Oriental Insurance from the list of insurers shown by Coverfox.
Select Coverage & Add-Ons
Choose the plan type (Third-Party, Comprehensive, Own Damage) and any add-ons you want, such as Zero Dep, Engine Cover, or
Roadside Assistance.
Enter Personal & Vehicle Info
Add your name, address, driving licence details, and No Claim Bonus information.
Review & Checkout
Review the premium, policy details, and total payable amount. Make any adjustments if needed.
Make Payment
Pay securely online using debit/credit card, net banking, UPI, or other supported payment options.
Get Instant Policy Documents
Once paid, you’ll receive the Oriental Insurance car policy copy instantly on your email and Coverfox dashboard.
Toll-Free Helpline: 1800 118 485
Landline: 011-3320 8485
WhatsApp Support: +91 95607 11200
Customer Support Email: csd@orientalinsurance.co.in
Refund-Related Email: portal.refunds@orientalinsurance.co.in
Registered Office Address: Oriental House, A-25/27, Asaf Ali Road, New Delhi – 110002, India
Official Website: https://orientalinsurance.org.in
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The Oriental Insurance Company Limited covers third-party liability, own vehicle damage due to accidents, theft, fire, natural calamities, and personal accident cover for the owner-driver.
Yes, you can buy Oriental car insurance online through its official website or Coverfox.
Yes, Oriental provides cashless repair facilities at its network of 7,926+ authorised garages across India.
You can check your policy status by visiting the official website and entering your policy or vehicle details.
You can reduce your premium by maintaining a claim-free record, using No Claim Bonus, opting for voluntary deductibles, and installing approved anti-theft devices.
Oriental offers up to 50% No Claim Bonus on own-damage premium for consecutive claim-free years.
You can download your policy from the official website or through the platform from which you purchased the policy.
Yes, you can transfer your existing No Claim Bonus from your previous insurer to Oriental while renewing or buying a new policy.
IDV (Insured Declared Value) is the current market value of your car and represents the maximum amount payable in case of total loss or theft.
