Oriental Two Wheeler Insurance

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Oriental Bike Insurance

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Oriental two wheeler Insurance is a comprehensive bike insurance plan designed for the complete protection of your vehicle. The plan is offered by Oriental Insurance Company, a public sector general insurance company of India. With 29 regional offices and 1800+ operating offices, the company achieved a premium of Rs. 13199 crores in FY 2018-19.

The company offers bike insurance under the private package bike policy with extra coverages such as NIL Depreciation Cover, Loss of Personal effects, Alternative Bike Benefit, Free Benefit of Emergency Service through TVS. The private package policy covers accidental loss or damage to vehicle, third party liability and personal accident cover.

Key Features of Oriental Bike Insurance

  • Online Policy: You can buy new and renew your two wheeler insurance policy online
  • .
  • Claim settlement: Offers quick and hassle-free claim settlement process.
  • Rebate on premium: Discount is granted on Voluntary Deductible, No Claim Bonus (NCB), Automobile Association membership and anti-theft device
  • Coverage: Coverage is offered for a shorter duration, even for less than a year.

Benefits of Oriental Bike Insurance

  • No claim bonus: No claim bonus discount can be availed for every claim free year
  • Add-on covers: Oriental Insurance offers you with additional optional add-on covers.
  • Payment: You can pay the premium online using various payment services.
  • Pillion cover: You can avail coverage for co-passenger
  • Network of garages: Oriental has a wide network of garages all over India to avail cashless services.

Eligibility of Oriental Bike Insurance

Owners of two wheelers who have got their vehicles registered with the Regional Transport Authority in India are eligible for purchasing Oriental two wheeler insurance.

Coverage of Oriental Bike Insurance

Oriental Insurance offers two types of two wheeler insurance, third party and package policy. Below are the details of both the coverage options for insuring your vehicle.

Third party liability insurance

  • This type of two wheeler insurance is mandatory as per the Motor Vehicles Act, 1988.
  • This covers liabilities arising out of damages caused to a third party or property by the insured vehicle.
  • The liability coverage covers accidental death, physical injury and/or the damage to vehicle and property.
  • It also provides personal accident coverage of Rs.1 lakh for the owner-rider.

Comprehensive Coverage (Own Damage)

Oriental Two-wheeler Insurance lets you cover your bike, yourself and third party with its comprehensive coverage two wheeler insurance plan.

It offers you coverage in the following events caused by man-made and natural calamities:

  • Fire, explosion, self-ignition or lightning
  • Earthquake, flood, typhoon, hurricane, storm, tempest, inundation
  • Cyclone, hailstorm, frost, landslide, rockslide
  • Burglary, theft, riot, strike, malicious act
  • Accident by external means, terrorist activity
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air

Personal Accident Cover

Having a personal accident cover provides coverage of up to 1 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death.

Discounts offered by Oriental Insurance

No Claim Bonus

For every claim-free year, Oriental Insurance offers you a discount on your own-damage premium.

The following table shows the NCB grid:

One claim-free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%

You can retain the NCB and carry forward the same if you want to purchase a new bike.

Voluntary discounts

Deductible is nothing but an amount that you need to pay when your vehicle is damaged due to an accident or any other event. A deductible plays an important role in determining your two wheeler insurance premium. Higher the deductible, lower the premium and vice-versa. So if you think you can ride safely, then you should opt for high deductible as you will have to pay low premium.

Discount for anti-theft device

If you've installed an ARAI approved anti-theft device in your vehicle, then you are eligible for an additional discount up to 2.5% on your own-damage premium.

Exclusions of Oriental Bike/Two Wheeler Insurance

  • Oriental two wheeler insurance does not cover the vehicle, if the rider is riding without a valid driving license
  • It does not cover mechanical or electrical breakdown of the vehicle
  • Damage caused by a person driving under the influence of liquor/ alcohol/ drugs is not covered
  • Depreciation or any consequential loss
  • Loss/damage caused due to War/Mutiny/Nuclear risks
  • Damage to the tyres/tubes, unless damage to the vehicle in the accident with liability maximum fifty percent of value.
  • It does not cover any damages caused outside India unless you pay extra premium for riding in countries like Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka & Maldives
  • If the vehicle is used for hire or reward, speed testing or racing, reliability trials.
  • Loss of or damage to accessories by burglary, housebreaking or theft, unless the vehicle is stolen at the same time.

Claim Process of Oriental Two Wheeler Insurance/ Oriental Bike Insurance

Contact Details:

  • The Oriental Insurance Company Ltd.

Registered Office:

  • Oriental House, A-25/27, Asaf Ali Road,
  • New Delhi - 110002
  • Phone No: 011- 43659595
  • Toll Free number: 1800-11-8485
  • Non-Toll Free 011- 33208485v
  • Email: portal.support@orientalinsurance.co.in

Step-by-step claim process is mentioned below:

a) In case of Accident

  • Immediately contact Oriental Insurance on their toll-free number 1800-11-8485
  • Lodge a claim with the duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
  • Form 35 & original NOC from financer in case of total loss where payment is made to insured

b) In case of Theft

  • Immediately contact Oriental Insurance on their toll-free number 1800-11-8485
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 26, 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact Oriental Insurance on their toll-free number 1800-11-8485
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  • The first thing to make a claim is to call on Oriental Insurance General Insurance’s Toll-Free Helpline number - 1800-11-8485
  • Take an appointment with the surveyor and take your vehicle to any of the Oriental Insurance General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • Company confirms the liability
  • If possible, opt for cashless garage facility, the company will settle the repair bills directly with the garage up to the amount payable
  • But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
  • Vehicle Delivery

Review of Oriental Bike Insurance

The goal of the company remains in providing excellent customer support to its clients. Oriental customers are supported with quality service with quick solutions at the time of claims. With useful add-ons, you can customize your two-wheeler insurance plan. OICL has an extensive network of garages to help their customers to avail cashless services. Consider Oriental Insurance package policy for your two-wheeler insurance, if you are looking for an old and the most trustworthy insurance company.

Frequently Asked Questions