Oriental Two Wheeler Insurance Overview

Two wheelers nowadays have become an essential part of our daily lives. Be it for the means of commuting or affording some leisure or style, two wheelers have satisfied the desire of having an individual means of transportation in an economical way. However, any calamity or unfortunate happening can be a bizarre feeling, both in terms of finance and emotions. This is where Oriental two wheeler insurance plans are likely to lend a hand to the owners of a motorcycle or bike or scooter. The policies offered by the Oriental Insurance Company Limited (OICL) for motorcycle and scooters are highly sought after in India. Having its headquarters located in New Delhi, Oriental Insurance Company is one of the largest non-life general insurance companies of India.

Just like other motor insurance plans, Oriental two wheeler insurance policies come with both third party and comprehensive coverage options. Regardless of the type of policy you choose for your bike, Oriental two wheeler insurance policies can be renewed or purchased swiftly through the company’s online portal.

Special Features & Benefits of Oriental Two Wheeler Insurance

Some of the best benefits of two wheeler policies by Oriental Insurance Company Limited include the followings.

✔The expertise of two wheeler policy from Oriental insurance is offered with customized protection plans for all needs.
✔Oriental Insurance policy for two wheeler provides free Benefit of Emergency Service through TVS. You don’t have to pay any extra premium for this.
✔The Online portal of Oriental insurance provides a plethora of services like Migration for two wheeler insurance plans, Online Policy Purchase of various plans, Policy renewal, instant quotes etc.
✔Generally the coverage period is for one year; however shorter duration covers can also be availed under the plans.
✔Provides additional covers such as Zero Depreciation on extra premium to cover the total value of the parts of your vehicle in case of damages.
✔Oriental bike insurance online takes care of legal liabilities in case of any damages done to a third party involving your vehicle.
✔Provides protection cover in case of any loss to personal belongings on additional premium payment of Rs. 400 or Rs. 650/-, all incorporated under the plan.
✔Oriental two wheeler policy offers a variety of discounts to its purchasers on the premium towards the insurance plans.
✔Oriental two wheeler insurance policy online provides swift and easy cashless claim services.

What Does Oriental Two Wheeler Insurance Cover?

✔The expertise of two wheeler policy from Oriental insurance is offered with customized protection plans for all needs.
✔Oriental Insurance policy for two wheeler provides free Benefit of Emergency Service through TVS. You don’t have to pay any extra premium for this.
✔The Online portal of Oriental insurance provides a plethora of services like Migration for two wheeler insurance plans, Online Policy Purchase of various plans, Policy renewal, instant quotes etc.
✔Generally the coverage period is for one year; however shorter duration covers can also be availed under the plans.
✔Provides additional covers such as Zero Depreciation on extra premium to cover the total value of the parts of your vehicle in case of damages.
✔Oriental bike insurance online takes care of legal liabilities in case of any damages done to a third party involving your vehicle.
✔Provides protection cover in case of any loss to personal belongings on additional premium payment of Rs. 400 or Rs. 650/-, all incorporated under the plan.
✔Oriental two wheeler policy offers a variety of discounts to its purchasers on the premium towards the insurance plans.
✔Oriental two wheeler insurance policy online provides swift and easy cashless claim services.

What Does Oriental Two Wheeler Insurance Cover?

The Oriental Insurance Company Limited generally offers two types of plans under their two wheeler insurance: Third Party and Comprehensive.

Third Party Liability Cover: This plan covers any legal obligation to a third party in the event of any Death/Injury and/or Property Damage to a third party caused by your vehicle. The plan covers the following risks.

✔Injury or Death of Third Party
✔The policy compensates against Third Party Property Damage upto a certain amount.

Package or Comprehensive Cover: This Oriental two wheeler insurance plan is the best since it covers both third party liability and the damages to your own vehicle. In addition, this package plan also offers personal accident cover to owner driver. This plan covers the following risks.

✔Covers Accident by External Means like Explosion, Fire, Self Ignition, Lightning etc.
✔Coverage against Theft, Burglary, Housebreaking.
✔Covers transit damages (Transit by Rail, Road, Air, Life, Inland Waterway)
✔Manmade Calamities such as Riots, Terrorist Acts, Strikes or any other Malicious Acts and Natural Calamities like Flood, Earthquake, Storm, Rockslide, Landslide etc covered.

Oriental two wheeler insurance Renewal

Just the way you can buy Oriental two wheeler insurance online, you can similarly execute the Oriental two wheeler insurance renewal process without any hassle in India. It will hardly take you a few minutes for Oriental bike insurance policy renewal. Do remember to renew your Oriental bike insurance online before it expires to keep the protection intact. Below are the steps to renew your Oriental bike insurance online in India.

✔Simply visit the official online portal of Oriental Insurance Company Limited (OICL) for instant Oriental insurance two wheeler policy renewal.
✔Click on ‘Renew’ tab to initiate your Oriental two wheeler insurance renewal process.
✔After that, enter your policy number under ‘Renewal of OICL Policy’ checkbox on and click on ‘Renew Now’ for quick Oriental two wheeler insurance renewal online.
✔In the following step, you will be diverted to the premium payment page. To finalize your Oriental two wheeler insurance renewal online, pay the premium digitally by following on-screen instructions.
✔After the payment has been made, you will receive a confirmation mail in your registered mail id. You may as well download and save your Oriental two wheeler insurance renewal details for further use.

Oriental Two Wheeler Insurance Exclusions

If you buy Oriental two wheeler Insurance, it doesn’t mean you are likely to get protection under all circumstances. Of course, like any other motor insurance policies, Oriental bike insurance online does have some exclusions - which means the plan will not provide any coverage under the following circumstance.

✔Any damage caused by a person driving without a valid driving license.
✔Any Mechanical or Electrical failure, breakdown.
✔Any damage caused by a person driving under the influence of intoxicating substances such as alcohol, drugs etc.
✔Depreciation, any consequential loss or damages
✔Loss or damage due to War/ Nuclear/Mutiny risks.
✔Damage to tyres/tubes, if the damage to the vehicle in the accident does not have liability maximum 50% of the value.
✔Any damage caused outside India unless the vehicle is covered by extra premium for Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka & Maldives.
✔Any damage or loss for using Two Wheeler for Hire or Reward, Racing or speed testing, Reliability Trials etc.
✔Oriental insurance does not cover the Loss of or Damage to accessories due to Housebreaking, Burglary, theft unless the vehicle is stolen at the same time.

Hyundai Getz Prime Car Insurance Online Renewal Process

Hyundai Getz Prime car insurance renewal process online is easy and simple. To renew Hyundai Getz Prime car insurance policy, at first you have to login to insurance company’s online portal from where you want to renew policies, then submit required policy documents. And the last step of Hyundai Getz Prime car insurance online renewal is to choose the right online payment option. Once you have done the payment, you will receive a receipt of completion Hyundai Getz Prime car insurance coverage renewal.

Note:

Please note that the insurance amount will be the Insured Declared Value (IDV) of your vehicle. IDV for vehicles that are less than 5 years old is the Manufacturer’s listed Selling Price which is adjustable as per Deprecation and the age of Vehicle. For vehicles that are over 5 years of age and outdated vehicles, the IDV is a mutually agreed value. NCB is applicable as a discount on Oriental two wheeler insurance policy renewal.

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Frequently Asked Questions on Bike Insurance

1. How do I check whether a two-wheeler is covered under insurance, and if covered how do I check the period of coverage?

For any owner of a two-wheeler or any vehicle, it is mandatory to have at least third party insurance, as mandated by the Indian Government. Now if you do not know whether a two-wheeler is covered under insurance, you will need to talk with the owner of that particular two-wheeler. You should consider this if you are thinking of buying a second hand two-wheeler.And if you want to know the time period for which the two-wheeler is covered, you can check it by calling the two-wheeler insurance provider or read the policy documents.

2. How do I apply for bike insurance?

You can apply for bike insurance both online or offline, whereas online procedure is more convenient and timesaving as well. All you have to do is log into an insurance online portal and select the bike insurance plan you want after comparing various bike insurance plans from different insurance companies. You can also do that in person by shopping around various bike insurance providers and selecting a particular bike insurance plan after you are done with comparing and all.

3. Where can one find a quick bike insurance quote online?

Of course there are many online insurance portals that let you compare and find the best bike insurance quotes online for free. But, GIBL.IN is the best insurance portal site characterized by dedication, credibility and swiftness when it comes about offering the best and quick non-biased bike insurance quotes to its customers.

4. Can I claim bike insurance twice?

Yes, you can claim bike insurance twice but it may result in the raise of your bike insurance premium and you will likely lose your no claim bonus as well.

5. How is the bike insurance premium calculated?

The bike insurance premium is calculated upon various factors such as the IDV of the bike that you want to insure, cubic capacity of your bike, your bike’s registration zone, age of your vehicle, the make model of your bike etc.

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