Oriental Car Insurance - Features and Benefits

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The Oriental Insurance Company (OIC) was established in India in 1947. It is one of the leading general insurance providers in India. During these past 6 decades, the company has also expanded its business to the United Arab Emirates.  Since 1960, the company has been operating in partnership with “Armab Insurance Works LLC” in Dubai. In addition to this, it extends support to some other insurance providers that are working in the Gulf Cooperation Council (GCC). 

The company offers a wide range of insurance products and services to meet its customer’s needs. Out of all those insurance products, car insurance is one of its best products. Oriental car insurance offers a financial cushion to auto insurance buyers. It fulfils all of its legal liabilities of buying auto insurance in the UAE. Also, it protects them against any financial loss arising out of a theft or accident.

Features of Oriental Car Insurance

Oriental Insurance Company offers three variants of car insurance, the types and their features are given below:

Comprehensive Car Insurance

The comprehensive auto insurance policy provides you and your car with a financial cover against third-party damages & losses as well as own damages. It includes protection from unfortunate losses such as amid a natural calamity, accident, theft, or fire. Following are the features of Oriental comprehensive car insurance:

  • In the case of third party bodily injury or death, the maximum liability of the Oriental Insurance Company is limited to the total sum decided by the court.
  • The coverage is applicable throughout the United Arab Emirates.
  • Personal accident benefit coverage a maximum of AED 200,000 is provided to the drivers as well as passengers of the insured vehicle. This benefit is applicable in an event of total permanent disability or death of a person.
  • A maximum of AED 1000 (per accident) can be compensated for protection, towing, and removal assistance. And for heavy vehicles weighing above 10 tons, AED 3500 (per accident) is offered.
  • Policyholders can enjoy the facility of agency repair where their car will be repaired at the dealer’s garage. If not agency repair, cars will be repaired at the OIC’s nominated category A Class 1 garage under the company’s guarantee. Please note that OIC network garages have amazing workmanship and they are well-equipped with all the top-class facilities.

Third-Party Liability Insurance

Third-party liability is the most basic type of auto insurance policies and it is mandatory for every car owner must have third-party car insurance in the UAE as per the RTA law. This type of car insurance policy is cheaper when compared to the comprehensive auto insurance policy and it covers damages caused to third-party by your vehicle. It will not pay for any kind of damages to your own vehicle. Following are the features of Oriental third-party car insurance:

  • It offers protection against any damage, loss, or bodily injury caused to third-party vehicle, property, or person caused by the insured vehicle.
  • Third-party liability in an event of damage/loss to third-party’s car and property of up to AED 250,000.
  • In an event of third-party death or bodily injury, the maximum liability of the Oriental Insurance Company is limited to the total sum decided by the court.
  • The coverage is applicable throughout the United Arab Emirates.
  • Car repairing facility for the third-party vehicle in the OIC’s nominated category A Class 1 garage.

Fleet Comprehensive Auto Insurance

Oriental Insurance Company offers fleet comprehensive auto insurance that covers all of your cars under just one auto insurance policy. With the key benefits and features of a comprehensive auto insurance package, it provides you with full protection with an affordable premium. This is the ideal auto insurance policy especially for a business with large fleets of commercial vehicles. It includes vans, trucks, pickups, buses, etc. Following are the key features of Oriental fleet comprehensive auto insurance:

  • In the case of third party bodily injury or death, the maximum liability of the Oriental Insurance Company is limited to the total sum decided by the court.
  • The coverage is applicable throughout the United Arab Emirates.
  • Personal accident benefit coverage a maximum of AED 200,000 is provided to the drivers as well as passengers of the insured vehicle. This benefit is applicable in an event of total permanent disability or death of a person.
  • A maximum of AED 1000 (per accident) can be compensated for protection, towing, and removal assistance. And for heavy vehicles weighing above 10 tons, AED 3500 (per accident) is offered.
  • Policyholders can enjoy the facility of agency repair where their car will be repaired at the dealer’s garage. If not agency repair, cars will be repaired at the OIC’s nominated category A Class 1 garage under the company’s guarantee. Please note that OIC network garages have amazing workmanship and they are well-equipped with all the top-class facilities.

Key Benefits of Oriental Car Insurance

Below-mentioned are some of the key benefits of opting for oriental car insurance:

  • Claim Settlement: The Oriental Insurance Company offers quick, efficient, and hassle-free claim settlement services to its policyholders.
  • Excellent Customer Services: OIC has a wonderful team of customer service that provides hassle-free pre-sales and post-sales services to its potential customers.
  • Personal Accident Cover: You can add this cover to your basic auto insurance policy at a pre-determined amount in order to maximise the benefit of your car insurance plan. It offers a personal accident cover for you as well as passengers in an event of total permanent disability or demise due to an accident.
  • Huge Network of Agencies: There are plenty of agencies where you can avail the benefit of agency repair
  • Instant Renewal: The Company offers instant paperless renewal
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