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Oriental Third Party Bike Insurance Overview

A third-party liability policy is the bare minimum policy that you can buy for your bike. The Motor Vehicles Act of 1988 mandates all vehicles to have a third party liability policy at the minimum. In the event of an accident that involves other individuals or properties, the policy has your back. The liability cover compensates for any injuries or death of an individual involved in an accident or property damages as well.

A recent modification to the rule ensures that all new bikes sold in the country come with five years of third-party liability policy as a mandate.

Oriental Claim Settlement Ratio




Industry Average

Bike claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Oriental has a claim settlement ratio of 92%, as compared to the industry average of 94.67%.

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Add-ons Available Under Oriental Two Wheeler Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the bike insurance policy. Oriental two wheeler insurance plans offer the following types of add-ons with the comprehensive policy:

Usually, in the case of a claim or repair, the insurer compensates after accounting for depreciation. And policyholders end up paying the difference. However, with a zero depreciation cover or nil depreciation cover, you don’t have to pay for the depreciation from your pockets. During claims, the insurance company will compensate with the actual amount and not account for depreciation.

Should you opt for this add-on, Oriental insurance will pay the amount of bike mentioned in the invoice without considering the current IDV of the bike. This rider is apt for situations where your bike might get stolen or is destroyed beyond repair.

The engine is one of the most important parts of the bike and getting a cover for the same makes sense. The rider covers any damage to the engine of a bike including oil leakage, starting while the engine is wet, malfunctioning of gears, etc.

You can opt for this rider for an unnamed person. Thus, it can be used for the pillion rider or the person who is riding the bike but is not the insured. It offers coverage against injuries or damages caused by accidents.

Accidents might lead to a permanent or temporary disability of the insured. A permanent disability such as loss of eyes or loss of hands or legs can bring the finances to a screeching halt. The total and permanent disability cover ensures that you get adequate coverage in such times.

There might be cases where a bike owner hires or asks another person to ride the bike. In the case of an accident, the bike owner is responsible for any liabilities arising out of the situation. Having this add-on would reduce the burden of any legal liability from your shoulders.

How To Raise A Claim Under Oriental Third Party Bike Insurance

Claim your Oriental bike insurance, you must follow the below steps.

  1. Firstly, you must inform Oriental insurance about the accident or incident by calling at their toll-free number
  2. You must then schedule a meeting with an independent surveyor appointed by Oriental Insurance to assess your bike. You can take your bike to any of the network garages to get the survey done and submit documents to the person as well
  3. Oriental insurance would then confirm the liability
  4. Should you visit any of the network garages, Oriental insurance will settle the bill directly with the garage without you having to pay from your pockets
  5. And if you go to any non-network garages, you must pay for the repairs and claim for reimbursement

Documents Required For Claims

The above are generic steps. However, depending on the type of claim that you want to proceed with, the steps would differ a bit. Here are some of the most situations.

  1. Accidents
    1. Inform Oriental insurance about the accident
    2. Submit the duly filled claim form
    3. File an FIR with the nearest police station
    4. Provide a copy of the driving license, policy document, RC
    5. The original estimate bill provided by the garage and invoice in the case of cashless service
    6. NOC and Form 35 from the financier of the bike in the case of a total loss
  2. Third-Party Claims
    1. Inform Oriental insurance about the accident
    2. Submit the duly filled claim form
    3. File an FIR with the nearest police station
    4. Provide a copy of the driving license, policy document, RC
  3. Theft
    1. Inform Oriental insurance about the accident
    2. Submit the duly filled claim form
    3. File an FIR with the nearest police station
    4. Submit the original keys of the bike
    5. No Trace Report submitted by the police department
    6. Forms 26,28,29,30 and Form 35

And here is an interesting bit. Irrespective of whether you bought your bike insurance form Turtlemint or not, you will still be able to raise a claim from the website. You can raise a claim from the website, and they would help you with the claim settlement. The claim handling team at Turtlemint will extend their support to help you receive your claims. You can either call them at 1800 266 0101 or send an email at claims@turtlemint.com.

Riding with valid two-wheeler insurance will not only help you avoid any hefty fines from the traffic police department but also protect you. It will protect you from any unforeseen events in the future and offer financial assistance, should anything unwanted take place. You can avail of services that Turtlemint offers to buy, renew or compare bike insurance policy and even make claims through the website.

Oriental Customer Care

Customer Care Number

How To Buy Oriental Third Party Bike Insurance

You have the options to either buy Oriental bike insurance plan either online or offline. The offline mode is the more traditional method where you must interact with an insurance advisor or visit any branch office of Oriental insurance to buy a policy.

Buying your bike insurance online is much easier. You can either visit the website of Oriental Insurance and look for the buy option or visit Turtlemint to buy a policy online. Tutlemint is a website that lets you choose from various options when it comes to buying bike insurance policies. You not only end up buying a bike insurance policy but the best bike insurance policy that is out there.

Turtlemint has tied up with Oriental Insurance to offer its products on its website. One of the biggest advantages of visiting Turtlemint is that you can compare Oriental bike insurance with several other policies and choose the one that best suits your needs. To buy a policy from Turtlemint, you would need to do the following.

  • Visit https://www.turtlemint.com/two-wheeler-insurance and enter the registration number of your bike to look for available plans
  • The website lets you look for plans by merely entering your bike’s purchase year and place of registration
  • Up next, you must provide the following details of your bike:
  • Manufacturer
  • Model
  • Year of manufacture
  • Fuel type
  • Variant
  • Previous policy details
  • Claims made during the previous policy
  • Previous policy provider
  • You will then be able to view the available bike insurance policies and premiums
  • Once you are satisfied with a policy, you will be able to buy the policy from the same page.
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