Orient Car Insurance Claim

Established in 1982, Orient Insurance has been known for its excellent insurance products and services for over 40 years now. A part of the Al-Futtaim Group, Orient provides insurance plans in the UAE as well as Bahrain and Oman. It offers both personal and commercial insurance to UAE’s residents.

As far as Orient car insurance is concerned, it is a popular choice in the UAE with respect to car insurance due to its wide range of benefits. Apart from this, when it comes to the insurance claim of Orient car insurance, the process is effortless.

It is advisable for all policyholders to stay updated with the relevant info on the claim process. In this article, we will specifically focus on the Orient car insurance claim and explore all the related aspects in detail.

Claim Process of Orient Car Insurance in UAE

As a policyholder, you must be thoroughly aware of the process so that no issues arise when you file one. In case you make any errors during the procedure, it may lead to claim rejection — this will require you to pay for the car damages from your own pocket. 

With that said, the Orient car insurance claim process is a pretty straightforward one.  In just a few steps, you can file a claim and get financial assistance. 

• Step1- First, obtain a police report from your nearest police station. Make sure to provide them with even the minor details of the incident that took place.
• Step2- Contact your insurance provider to initiate the claim process and ask them for the towing service.
• Step3- Fill out the car insurance claim form from the official website of Orient and upload all the documents. Note that the process of filling out the claim form has been mentioned in an upcoming section.
• Step4- Submit the form and wait till you get a revert from the provider.
• Step5- Once you tow your car to one of the approved list of provider’s repair stations, the concerned officials will look into the car's damages.
• Step6- They will create an invoice and send it to your insurer.
• Step7- After your provider gives final consent, the servicing of your car will begin.
• Step8- You will be notified regarding the expected date of the product delivery.
• Step9- Complete the final documentation upon collecting your car from the repair station. 

List of Documents Required During the Orient Car Insurance Claim Settlement

While filing a claim for Orient car insurance in the UAE, it is necessary to submit a few documents. Failing to provide them may result in claim rejection. 

For your reference, we have provided a checklist of the required documents -  

• A valid police report copy
• A valid driving licence copy of the individual driving the vehicle at the time of the accident (both sides)
• A valid vehicle registration copy (both sides)
• A valid Emirates ID copy of the person driving the vehicle at the time of the accident (both sides)

How to File an Orient Car Insurance Claim?

As a car insurance policyholder, you can file a car insurance claim through online means. Simply go to the official website of Orient Insurance and click on the ‘Claim Intimation’ option on the top right of the homepage. Select UAE and get directed to the claim form. 

Once done, simply fill out the form with the correct details and attach the necessary documents. Submit the claim and await a response from the provider.

How to File Your Car Insurance Claim in the UAE

Common Orient Car Insurance Claim Rejection Reasons

Car insurance, mandatory in the UAE, is a crucial aspect in ensuring financial protection in case of accidents, theft, or damage. Accordingly, the leading insurance companies play a significant role in ensuring that policyholders receive the coverage that they need. 

However, there are instances where car insurance claims are rejected, which can leave policyholders tensed and unable to face substantial financial burdens. Understanding the reasons for car insurance claim rejection in the UAE is, thus, essential to avoid such situations.

Reason1:- Non-Disclosure of Information

One of the primary reasons for claim rejection is the policyholder's failure to disclose relevant information during the claim process. If an individual hides or fails to disclose important details such as pre-existing damage, modifications to the vehicle, or previous accidents, the insurance company may reject a claim when the insurer becomes aware of these facts. 

It is essential to be completely transparent when applying for car insurance to prevent claim denial based on non-disclosure.

Reason2:- Driving Violations

If the policyholder is involved in an accident while violating traffic (such as speeding, reckless driving, or driving under the influence of alcohol/drugs), the insurance company can reject the claim. UAE motor insurance policies typically include clauses that exclude coverage for accidents that take place while the policyholder is breaking such laws.

Reason3:- Unauthorised Drivers

Unauthorised individuals driving the insured vehicle can lead to claim rejection, as most UAE insurance policies require that only specified operate the insured vehicle. So if an accident occurs with an unauthorised driver, chances are that your claim will be rejected.

Reason4:- Expired Policy

Driving with an expired insurance policy is not only illegal but also leads to claim rejection. 

Reason5:- Delayed Reporting

Timely reporting of accidents or incidents to the insurance company is crucial. Failing to inform the insurer promptly can lead to claim denial. Most insurance policies specify a timeframe within which accidents must be reported — as a policyholder, you should be aware of these guidelines.

Reason6:- Policy Exclusions

Every car insurance policy has specific exclusions. Claims related to these excluded events will be rejected as they fall outside the scope of coverage. Some of the common exclusions of car insurance UAE include regular wear and tear, electrical breakdown, damages due to wars, and so on.

Reason7:- Lack of Documentation

Insufficient or missing documentation can also result in the rejection of a claim. Policyholders must provide all required documents, including the police report, repair estimates, and any other requested information, to support their claim.

Reason8:- Pre-existing Damage

If the insurance company determines that the damage claimed existed before the accident occurred, they can reject the claim. It is crucial to determine the vehicle's condition before purchasing insurance and maintain records of previous incidents (if any).

Reason9:- Fraudulent Claims

Engaging in fraudulent activities, such as staging accidents or inflating repair costs can directly lead to car insurance claim rejection. Insurance companies in the UAE have fraud detection measures in place to protect against such practices.

Orient Car Insurance Contact Details

You can contact your car insurance provider by dialling 800674368. Additionally, you can send your queries through the official website of Orient. 

For the latter mode, you will be required to open Orient’s official website and move to the ‘Contact Us’ section. Next, fill in all the information and submit it, after which one of the representatives of the provider will get in touch with you shortly.

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