Third Party Liability is one of the most important parts of car insurance. It is Mandatory for all insurance companies to include third party liability insurance, according to Motor Vehicle Act. Third Party Liability in Oriental Car Insurance is defined as, the insurance company agrees to indemnify the owner of the insured car, if he is sued or held legally liable for injuries or damage to a third party caused in an accident with the insured car. When such incident takes place, you need to Claim Oriental Car Insurance, then the company will take care of the rest. This car insurance plan has a Third Party Liability cover included in it.
In addition to Third Party Liability cover, Oriental Car Insurance may be covering various other things. There are Oriental Car Insurance Terms and Conditions, under which Oriental Car Insurance covers are active. Premium of the policy depends on what is covered in Oriental Car Insurance. This policy provides personal accident cover for owner and driver of the car. The maximum limit of personal accident cover for owner/ driver in this policy is ₹ 200000. Oriental Car Insurance provides personal accident cover for co-passengers, as an optional add-on cover. Personal Accident cover is an insurance cover wherein, in the event of the insured person sustaining bodily injuries resulting solely and directly from an accident, resulting into death or disablement. In such case, company pays the amount stated in the policy to the insured, depending on extent of the injury. Some policies also provide an option to provide personal accident cover for named and unnamed passengers as well as the paid driver. Some car insurance plans also provide Medical cover, in which the company pays the medical expenses that you incur, while recovering from the injury caused due to car accident.Oriental Car Insurance does not provide medical cover.
Some car insurance policies also provide cover for accessories, not fitted by car manufacturer, in the car. The accessories are classified in two types, Electrical accessories and Non-electrical accessories. For some plans the cover for Electrical and Non-electrical accessories is present as an add-on option. Oriental Car Insurance provides optional cover for the electrical accessories.Some cars have CNG kit installed in them. CNG kit cover is available in Oriental Car Insurance as an optional add-on cover.
Add-on covers are packages that are not included in the basic policy, but you can choose to include them in your policy by paying an additional premium. There are multiple add-on covers available for car insurance policies. You can choose the covers that you think you might need. Oriental Car Insurance can be one of the available optional add-on covers. Optional add on covers available with Oriental Car Insurance are- Courtesy car, Loss of Personal effects and Zero Depreciation Cover.
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