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Oriental Two Wheeler Insurance
Oriental Two Wheeler Insurance




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Oriental Two Wheeler Insurance

1 Details
1.1 Incurred Claims Ratio
1.1.1 Incurred Claims ratio
Magma HDI Two W..
78.84 %
Rank: 9 (Overall)
National Liability Policy
1.1.2 Incurred Claims Ratio (2013-14)
Magma HDI Two W..
78.84 %
Rank: 9 (Overall)
National Liability Policy
1.2 Policy Status
In-Force
1.3 Online
1.3.1 Buy
All Comprehensive Policy Two Wheeler Insurance have it !
1.3.2 Renew
All Comprehensive Policy Two Wheeler Insurance have it !
1.4 Type of Plan
Comprehensive Package Policy
1.5 Depreciation For Fixing IDV
1.5.1 Less Than 6 Months
Shriram General..
5.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.2 6 Months to 1 Year
Shriram General..
15.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.3 1 Year to 2 Years
Shriram General..
20.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.4 2 Years to 3 Years
Shriram General..
30.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.5 3 Years to 4 Years
Shriram General..
40.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
1.5.6 4 Years to 5 Years
Shriram General..
50.00 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2 Covers
2.1 Personal Accident Cover
All Comprehensive Policy Two Wheeler Insurance have it !
2.2 Death
Shriram General..
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.2.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.3 Loss Of 2 Limbs
Shriram General..
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.3.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.4 Loss Of Sight Of Both Eyes
Shriram General..
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.4.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
ADD ⊕
2.5 Loss Of 1 Limb and Sight Of 1 Eye
Shriram General..
100 %
Rank: 1 (Overall)
National Liability Policy
ADD ⊕
2.5.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.6 Loss Of 1 Limb
HDFC Ergo Two W..
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.6.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.7 Loss Of Sight of 1 Eye
HDFC Ergo Two W..
50 %
Rank: 2 (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.7.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.8 Permanent Total Disablement
Shriram General..
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.8.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.9 Total Liability of Insurer
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
2.10 Third Party Liability
All Comprehensive Policy Two Wheeler Insurance have it !
3 Claims
3.1 24 x 7 Claim Support
3.1.1 Contact Number
1800118485
3.1.2 Track Online
22% Comprehensive Policy Two Wheeler Insurance have it !
3.2 Cashless Garages
72% Comprehensive Policy Two Wheeler Insurance have it !
3.3 Garage Cash
17% Comprehensive Policy Two Wheeler Insurance have it !
3.4 Claim Settlement Duration
Magma HDI Two W..
Not Available
Rank: N/A (Overall)
Bharati AXA Two Wheeler Insurance
ADD ⊕
3.5 Documents Required
3.5.1 Theft Claims
Claim Form dully signed, Form 38, 29, 30 and 35 duly signed, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
3.5.2 Third Party Claims
Claim Form dully signed, Copy of Driving License, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
3.5.3 Accidental Claims
Claim Form dully signed, Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp, Copy of Driving License, Estimate of Repairs, Original Repair Invoice, Payment Recipt, Police Panchnama/ FIR, Policy/ Cover copy
4 Discounts
4.1 No Claim Bonus
94% Comprehensive Policy Two Wheeler Insurance have it !
4.1.1 1 Claim Free Year
Bajaj Allianz T..
20 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.2 2 Claim Free Year
Bajaj Allianz T..
25 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.3 3 Claim Free Year
Bajaj Allianz T..
35 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.4 4 Claim Free Year
Bajaj Allianz T..
45 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.5 5 Claim Free Year
Bajaj Allianz T..
50 %
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
4.2 Automobile Association's Member
44% Comprehensive Policy Two Wheeler Insurance have it !
4.3 ARAI Anti Theft Device
44% Comprehensive Policy Two Wheeler Insurance have it !
4.4 Blind / Handicapped Persons
17% Comprehensive Policy Two Wheeler Insurance have it !
4.5 Voluntary Discount
33% Comprehensive Policy Two Wheeler Insurance have it !
5 Terms
5.1 Depreciation
5.1.1 Rubber/ Nylon/ Plastic Parts/ Tyres and Tubes/ Batteries
Shriram General..
50 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
5.1.2 Fiber Glass Components
Shriram General..
30 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
5.1.3 Glass Components
Shriram General..
0 %
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
5.2 Inclusions
5.2.1 Natural
Earthquake, Explosion, Fire, Flood, Landslide, Self-Ignition or Lightning, Storm
5.2.2 Man-Made
Accident Caused By Third-Party, Any Damage Caused In Transit By Inland Waterway, Burglary, Elevator Or Air, Lift, Malicious Act, Rail, Riot, Road, Strike, Terrorist Activity, Theft
5.3 Deductibles
5.3.1 Voluntary
50% Comprehensive Policy Two Wheeler Insurance have it !
5.3.2 Compulsory
44% Comprehensive Policy Two Wheeler Insurance have it !

Details Of Oriental Two Wheeler Insurance

Oriental Two Wheeler Insurance is a Comprehensive Policy. Details Of Oriental Two Wheeler Insurance includes it's status, if this policy has online buying option and also about the incurred claims ratio of the insurance company. Incurred claims ratio is simply a ratio of money spent on claim settlement to money earned through premiums by the insurance company. I.C.R. for this insurer for the year 2014-15 is 78.84 %. This plan is currently active and thus can be bought from the insurance provider at present time.

Oriental Two Wheeler Insurance Discounts

Oriental Insurance provides various kinds of discounts which results in reduction of premium paid. Oriental Two Wheeler Insurance Discounts may include discounts such as no claim bonus, voluntary discount. For this plan no claim bonus is not available. Apart from these, some insurance firms also provide discounts for being a member of automobile association or for installing ARAI approved anti theft device. Voluntary discount option is not available in this policy.

Claims In Oriental Two Wheeler Insurance

24 x 7 claim support, cashless garages and some other facilities are included under claims in Oriental Two Wheeler Insurance. In 24 x 7 claim support, customer care number, online tracking options are available. It is one of the important features using which you can check your policy status or in case you face any difficulty during a claim process then customer care number is also available. Garage cash is one other feature that may prove to be beneficial to the potential buyer.

Other Terms in Oriental Two Wheeler Insurance

Other terms in Oriental Two Wheeler Insurance include depreciation on other parts of the vehicle and deductibles like voluntary and compulsory deductibles. The deductibles are paid by policy holder and it is a part of the claim. Deductibles are charged to lower the incidence of claims and are provided only in comprehensive policy. Voluntary deductibles save premium whereas compulsory deductibles reduce the chances of damages and resultant claims. Voluntary deductibles are available in Oriental Two Wheeler Insurance.

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