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Oriental Insurance is a public sector general insurance company that provides bike insurance that helps protect your bike against accidents, theft, natural calamities, fire, and third-party liabilities. Backed by over 79 years of industry experience, the insurer offers reliable coverage, a wide branch network, and customer support across India.
With a claim settlement ratio of 91.64% in FY 2024 - 25, it remains a trusted choice for bike owners seeking financial protection on the road.
The features offered by this company under two wheeler insurance are:
| Feature | Details |
| Claim Settlement Ratio | 91.64% in FY 2024 - 25. |
| Cashless Garages | 7,926 network garages across India. |
| Branch Network | 1,049+ offices nationwide. |
| Customer Support | 24x7 assistance for policyholders. |
| Own Damage Cover | Protection against accidents, theft, fire, and natural calamities. |
| Third-Party Cover | Financial protection against third-party liabilities. |
| Personal Accident Cover | Coverage for accidental death or disability of the owner-rider. |
| Online Services | Easy policy purchase and renewal. |
| Policies Issued | Over 6.9 million policies issued. |
| Industry Experience | 79+ years of insurance expertise. |
Oriental general insurance company offers multiple two-wheeler insurance plans to cater to different coverage requirements, ranging from mandatory third-party protection to comprehensive coverage for both the insured vehicle and third-party liabilities.
The Motorised Two-Wheeler Package Policy provides comprehensive protection by covering both third-party liability and loss or damage to the insured vehicle. The policy covers risks such as accidents, theft, fire, explosion, self-ignition, natural calamities, and man-made perils, along with personal accident cover for the owner-driver.
The Stand-Alone Own Damage Cover – Motorised Two-Wheeler protects the insured bike against accidental damage, theft, fire, natural calamities, and man-made disasters. This policy can be purchased only if the vehicle already has a valid Third-Party Liability policy, making it suitable for owners who have separate third-party coverage.
The Liability Only Policy is the minimum insurance cover required under Indian motor vehicle laws. It covers the insured's legal liability arising from death, bodily injury, or property damage caused to a third party due to the use of the insured two-wheeler.
The Two-Wheeler Policy – Bundled combines long-term third-party liability coverage with own-damage protection under a single policy. Primarily designed for newly purchased two-wheelers, it offers protection against damage to the insured vehicle, third-party liabilities, and personal accident cover for the owner-driver.
The coverage offered under Oriental Bike Insurance depends on the policy type chosen. Under a comprehensive policy, the following are generally covered:
Covers repair or replacement costs arising from accidents and collisions.
Provides compensation if the insured bike is stolen or suffers damage during theft attempts.
Covers losses caused by fire, self-ignition, lightning, or explosion.
Protects against damages caused by floods, cyclones, earthquakes, landslides, storms, and other natural disasters.
Covers losses resulting from riots, strikes, malicious acts, terrorist activities, and vandalism.
Covers legal liability arising from bodily injury, death, or property damage caused to a third party by the insured bike.
Provides financial protection to the owner-driver in case of accidental death or permanent disability.
Oriental Bike Insurance does not cover certain situations and losses. Some common exclusions include:
Routine depreciation and ageing of bike parts are not covered.
Failures due to mechanical, electrical, or manufacturing defects are excluded.
Any indirect loss resulting from the insured event is not covered.
Claims arising when the rider is under the influence of alcohol, drugs, or intoxicating substances are not payable.
Damages occurring when the rider does not possess a valid driving licence are excluded.
Losses occurring due to breach of policy terms and conditions are not covered.
Damages arising from war, invasion, rebellion, or nuclear activities are excluded.
Claims arising from usage not permitted under the policy, such as unlawful activities, are not covered.
Backed by over 79 years of experience in the Indian insurance industry.
Access to 7,926 cashless garages for hassle-free repairs and claim settlements.
Supported by 1,049+ offices across India for easy access to services and assistance.
Round-the-clock assistance through a dedicated customer service network.
Focuses on protecting customers and delivering reliable insurance solutions.
A public sector general insurer known for stability, transparency, and long-term dependability.
Buying or renewing an Oriental Bike Insurance policy through Coverfox is a simple online process. You can compare plans, customise coverage, and receive your policy instantly without any paperwork.
Go to the bike insurance section on Coverfox and start the purchase or renewal process.
Provide your bike registration number, make, model, and other required vehicle details.
Browse the available plans and choose the Oriental Bike Insurance policy that best suits your coverage needs.
Check the policy benefits and select any available add-ons to enhance your coverage.
If you are renewing your existing policy, provide the details of your current or expired bike insurance policy.
Review the premium, coverage details, and policy terms before proceeding with the purchase.
Complete the transaction through Coverfox's secure online payment gateway.
Once the payment is successful, the policy document is sent to your registered email address instantly.
| Support Type | Details |
| Toll-Free Number | 1800 118 485 |
| Customer Care Number | 011-33208485 (normal call charges apply) |
| Customer Support Email | csd@orientalinsurance.co.in |
| Grievance Redressal Email | gro@orientalinsurance.co.in |
| Refund-Related Queries | refunds@orientalinsurance.co.in |
| Corporate Office | The Oriental Insurance Company Limited Block-4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi – 110023 |
| Registered Office | The Oriental Insurance Company Limited Oriental House, A-25/27 Asaf Ali Road, New Delhi – 110002 |
Online grievance registration and complaint status tracking
Support ticket facility for portal-related technical issues
Health and motor claim assistance
Insurance Ombudsman and grievance redressal support
OICL mobile app for policy and service management
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Oriental Bike Insurance is a two-wheeler insurance policy offered by Oriental Insurance that provides financial protection against accidents, theft, natural calamities, fire, and third-party liabilities.
Yes, Oriental Insurance is a government-owned general insurance company under the Government of India. It is one of India's oldest public sector insurers, with over 79 years of experience.
Oriental Insurance offers Motorised Two-Wheeler Package Policy (Comprehensive Insurance), Liability Only Policy (Third-Party Insurance), Stand-Alone Own Damage Cover, and Bundled Two-Wheeler Insurance Policies.
The comprehensive policy covers accidental damage, theft, fire, self-ignition, natural calamities, man-made disasters, and third-party liabilities. It also includes Personal Accident Cover for the owner-driver as per applicable regulations.
Commonly required documents include the policy document, duly filled claim form, copy of the Registration Certificate (RC), driving licence, FIR (for theft or major accidents), repair bills, and other documents requested by the insurer.
You can renew your Oriental Bike Insurance policy online through Coverfox by entering your bike and policy details, selecting the renewal plan, making the payment, and receiving the renewed policy instantly via email.
Roadside Assistance is generally available as an optional add-on under eligible comprehensive bike insurance policies. Availability may vary based on the plan selected.
No Claim Bonus (NCB) is a premium discount offered for every claim-free policy year. The discount can increase over consecutive claim-free years and is applicable on the own-damage premium component.
Nil Depreciation Cover, also known as Zero Depreciation Cover, is an add-on that reduces or eliminates depreciation deductions on replaced bike parts during claim settlement, resulting in a higher claim payout.
You can file a claim by informing Oriental Insurance immediately after the incident, registering the claim, submitting the required documents, arranging vehicle inspection if required, and completing the repair or settlement process as guided by the insurer.
The required documents typically include the claim form, policy copy, RC book, driving licence, repair estimates, original bills, payment receipts, and FIR in cases involving theft or serious accidents.
Yes, Oriental Insurance offers bundled and long-term third-party insurance policies for new two-wheelers in accordance with prevailing regulatory guidelines.
The premium is calculated based on factors such as the bike's make and model, engine capacity, age of the vehicle, location of registration, Insured Declared Value (IDV), policy type, add-ons selected, and applicable No Claim Bonus.
