Oriental Insurance Car Insurance

I want to get information about the Oriental Insurance covering areas for Car Insurance. So here can you provide me information about it?

[Shaleen]

As per your demand here I am providing you information about the Oriental Insurance covering areas for Car Insurance, as you want.

Here I am giving you information about it, as you want.


MOTOR PACKAGE INSURANCE POLICY FOR PRIVATE CAR:
What is covered under Car Insurance Policy:
The Private Car Package Policy covers
1. Accidental Loss of or damage to the Vehicle

2. Liability to third parties, Personal Accident cover to owner-driver

3. Various Add on Covers on extra premium


Loss or damage to private car caused by:
Burglary,
Housebreaking or Theft

Fire,
Explosion,
Self Ignition & Lightening

Earthquake,
Flood,
Storm,
Landslide or Rockslide,
Inundation.
Terrorism, Riots, Strikes, Malicious Acts.

Transit by Road,
Rail, Inland waterways, air or lift.



How is Premium Calculated:
The Premium calculation is based on the following factors: Loss or damage to vehicle caused by:
IDV of the vehicle

Additional Premium for :
Electrical & electronic items

CNG/LPG FUEL

Add on cover

Cubic capacity of the vehicle

Zone of registration

Age of Vehicle

Extra Benefit


What is not covered under the Private Car Package policy:
Damage by a person driving without a valid driving license


Loss/Damage attributable to War/Mutiny/Nuclear risks

Damage to tyres/tubes of the Car, unless damage to the vehicle in the accident with liability maximum fifty percent of value.

Mechanical or Electrical breakdown, failure

Damage by a person driving under the influence of Liquor/Alcohol/Drugs

Depreciation, any consequential loss
Damage, outside India unless covered by extra premium for Nepal, Bhutan & Bangladesh, Pakistan, Sri Lanka &Maldives

Vehicle being used for Hire or Reward, speed testing or Reliability trials, Pace making, Organized Racing , any purpose in connection with Motor Trade.


Address;
Registered Office :
Oriental House, A-25/27,Asaf Ali Road,
New Delhi - 110002.