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The Oriental Car Insurance |
Tips on insurance of vehicles:
1. What kinds of Motor Policies are available ?
The basic insurance covers offered are as under:
1.1. Liability Only Policy:
covering the liabilities towards third parties only, as per Motor Vehicles Act. This insurance is mandatory for a vehicle plying in public place, as per Motor Vehicles Act.
1.2. Package Policy:
In addition to the above, the loss or damage to the vehicle insured, by specified perils, is also covered subject to the value declared and other terms and conditions in the policy.
For details of the risks covered under the above and also for information on other covers, please see “India Motor Tariff” at www.tac.org.in
2. Where can I get my vehicle insured ?:
Insurance can be done at any of our offices generally doing Motor Insurance business. Please visit our website for finding an office convenient to you: www.orientalinsurance.nic.in . On the website click on "LOCATIONS" on the top. You will get the India map showing our Regional Offices. Click on the Regional Office and you will get list of offices with their contact details. Remember, not all offices may be underwriting Motor Insurance business.
3. What will be the premium for my vehicle ?:
Premium depends upon various factors viz. type, make, model, cc, usage, place of registration, past claims history etc. of the vehicle. Therefore approach our office with vehicle details for exact premium.
4. Where can I renew my policy ?:
Existing insurance will normally be renewed by the same office. Please contact the office concerned for exact premium and pay it to the same office. Do not send your premium to any other office or to the Regional Office/Head Office. No underwriting is done at the Regional or Head Office.
5. Can I renew my policy at a different place ?:
Yes, it is possible. A fresh proposal form needs to be filled in. The office may also insist for physical inspection of vehicle and other formalities, depending upon the situation. Please contact the nearest office for assistance.
6. Can I pay the premium online ?
At present, we do not have the facility.
7. When should I renew the insurance for my vehicle & why ?:
It is strongly recommended to renew your insurance before expiry of the existing insurance. This keeps your vehicle insured against the risks without any break and takes care of any loss within the ambit of the policy you have. This also retains the No Claim Bonus–the hard earned discount in premium for claim free year/s. Moreover, you are also not worried about the breach of law.
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