The Oriental Insurance Co. Ltd was set up in 1947 in India. With its headquarters in New Delhi, the company has 31 regional offices and more than 1,800 offices in different countries including Nepal, Kuwait, and Dubai. The Dubai office was established in 1960 with the aim of providing high-quality insurance services, including individual and business insurance, to the residents of the country.
The categories across which Oriental provides individual insurance plans include motor, personal accident, and household insurance. In this article, we will specifically cover car insurance and understand the claim process.
Car insurance comes in handy when you meet with an accident that leads to damages to your car and/or personal injuries. Accurately filing a claim for your insurance ensures instant financial support.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
Promptly filing a claim for your Oriental car insurance plan is necessary to avoid any issues with respect to getting your car repaired in case of an accident. As a policyholder, it is your responsibility to stay updated with the complete process of the insurance claim process.
To guide you, we have provided a step-by-step guide on how to make an Oriental car insurance claim -
Step1- A police report is an essential element for filing an insurance claim. Go to your nearest police station and tell them about the accident that took place.
Step2- Contact your insurance provider and inform them about the incident. Additionally, let them know that you require car towing car service.
Step3- Have your car towed to one of the provider’s approved list of repairers. Meanwhile, download the insurance claim form from the insurer’s website.
Step4- Fill out the form with accurate details and attach all the necessary documents. Once done, submit it to the provider.
Step5- The concerned repairer will look into the damages and assess the cost of repairing.
Step6- An invoice for the repair expenses will be sent to your insurance provider.
Step7- The insurer will evaluate the invoice and give final consent.
Step8- Once the car servicing begins, you will be notified regarding the expected delivery date of the car.
Step9- Upon completion, collect your car from the repair station and finish the required documentation (if applicable).
List of Documents Required for Oriental Car Insurance Claim Settlement
Along with the motor insurance claim form, you will be required to submit a few other documents to successfully carry out the Oriental car insurance claim process. Mentioned below are all the necessary documents -
A valid copy of the driving licence of the driver present during the accident (both sides)
A valid copy of the police report
A valid copy of the Emirates ID of the driver present during the accident (both sides)
A valid copy of the vehicle registration (both sides)
How to File an Oriental Car Insurance Claim?
As an Oriental car insurance customer, you can use any of the two following methods to file a claim -
Via Insurer’s Website - Navigate to the claims section from the homepage of the official website of Oriental Insurance in the UAE. Click on the ‘Submit Claims’ option and follow the on-screen prompted instructions.
Via Call - Dial 800628873 to speak to one of the officials of Oriental to claim your car insurance.
Common Oriental Car Insurance Claim Rejection Reasons
Car insurance provides financial protection against unforeseen accidents and damages. You must file a claim in order to get the necessary financial aid for your damaged car.
However, it’s worth mentioning that your insurance provider may not accept your claim request under certain circumstances. Understanding these reasons for car insurance claim rejection is essential to avoid any later hassle -
Reason1:- Policy Exclusions - Insurance policies have specific terms and conditions. So if your claim falls outside the scope of coverage mentioned in your policy, it can be rejected. Make sure to stay updated with the exclusions of the plan you have opted for.
Reason2:- Non-Disclosure of Important Information - It is vital to provide accurate and complete information when purchasing insurance. In case you fail to disclose previous accidents, modifications to your vehicle, or other relevant details, it can lead to rejection at the time of filing a claim. Insurance companies take such information into account to assess risk accurately.
Reason3:- Driving Without a Valid Licence - If you or the driver involved in the accident do not have a valid driving licence, your claim can be rejected. Driving without a valid licence falls under the category of illegal activities, with insurance companies not covering illegal activities.
Reason4:- Drunk Driving or Under the Influence of Drugs - If you drive under the influence of alcohol or drugs at the time of the accident, your claim can be denied. This is considered reckless behaviour, and insurance companies often exclude such incidents from coverage.
Reason5:- Delayed Reporting - Immediately reporting an accident to your insurance company is crucial. If you delay reporting the incident beyond the timeframe mentioned in your policy, the insurance provider may refuse your claim. Timely reporting allows for a proper assessment of the situation.
Reason6:- Unapproved Repairs - After an accident, it's essential to have your vehicle repaired at an authorised or approved repair centre as specified by your insurance policy. If you opt for unauthorised repairs, your claim may be rejected as these repairs may not meet the insurer's standards.
Reason7:- Fraudulent Claims - Submitting false information to the insurance company is an offence. If the insurer discovers any fraudulent activity during the claims process, your claim will be promptly rejected. Additionally, you may face legal consequences.
Reason8:- Unpaid Premiums - Make sure that your insurance premiums are paid on time. If your policy has lapsed due to non-payment of premiums, your coverage is no longer in effect. As a result, any claims made during this period will be denied.
Reason9:- Exceeding Policy Limits - Each insurance policy has limits on coverage such as maximum payouts. If your claim amount exceeds these limits, the excess portion will not be covered by the insurance company.
Reason10:- Usage Violations - Some policies in the UAE have specific usage restrictions. For instance, if your policy is for personal usage but you were using your vehicle for commercial purposes at the time of the accident, your claim may be denied.
How to Check Oriental Car Insurance Claim Status?
If you have already submitted your claim request and want to track its progress, refer to the following steps -
Step1: Visit the official website of Oriental Insurance.
Step2: Scroll to the bottom of the homepage.
Step3: Click on the ‘Claims’ option.
Step4: Choose ‘Track Claims’.
Step5: Enter the required policy details and submit to view the current status of your claim.
Oriental Car Insurance Contact Details
To contact the officials of Oriental, you can speak to them either via call or drop an email stating your queries and concerns regarding the insurance claim process.
Apart from these, you can also visit the office of the provider in person and have a one-on-one conversation with the representatives.
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