01
Third-party liability
Addresses eligible legal liability for injury, death or property damage to third parties as defined by the policy and law. It generally does not cover damage to your own vehicle.
Liability focus
Motor • Cover • Renewal
Drive With Confidence. Understand Your Insurance Options.
Review motor insurance types, policy conditions and the practical steps to consider before choosing or renewing cover.
Vehicle details Renewal planning
Check the details.Coverage, exclusions and claim process
Motor insurance basics
Choose cover that fits the vehicle and the way you use it.
Motor insurance can provide third-party liability protection and, where selected, cover for specified damage to the insured vehicle. In India, motor vehicles used in public places are generally required to have at least the applicable third-party insurance, subject to law and exceptions.
The correct policy depends on vehicle type, age, usage, insured declared value where relevant, deductibles, add-ons and the contract's exclusions. Confirm current Oriental Insurance products and terms through official sources.
Before you renew
Check your policy expiry date, registration details, insured vehicle information and the coverage you actually need.
Renewal checklistThree common structures
Understand the main types of motor insurance
Availability and policy wording must be confirmed for the particular vehicle and insurer.
02
Standalone own-damage
May cover specified damage to the insured vehicle when available and paired with the required third-party cover arrangement. Terms and eligibility apply.
Vehicle damage focus
03
Comprehensive motor
Typically combines third-party liability and own-damage cover, subject to the policy's defined events, exclusions, deductibles and selected add-ons.
Combined structure
Compare before choosing
Vehicle policy checklist
Vehicle type and age
Confirm registration, make, model, usage and vehicle age.
IDV and premium
Review insured declared value where applicable and whether the premium fits your budget.
Deductibles
Understand compulsory and voluntary deductibles and how they affect claims.
Exclusions
Read excluded situations, driver conditions, usage restrictions and required disclosures.
Add-ons
Check which optional add-ons are offered, selected and shown in the policy schedule.
Renewal and claims
Know expiry dates, notification timelines and the insurer's claim documentation process.
Report promptly
Keep documents
Keep documents
If an incident happens
Understand the general claims journey
- Make the situation safe.Follow emergency guidance and applicable legal reporting requirements.
- Notify the insurer.Use the official claim channel and follow its instructions before repairs where required.
- Provide documents.Documents may include policy details, registration, driving licence, incident information, photographs and repair estimates.
- Assessment and decision.The insurer assesses the claim against the policy terms and may arrange inspection or additional evidence.
Stay prepared
Renewal and documentation
Use this quick checklist before the policy expires.
Check the expiry date
Allow time to compare terms and complete renewal through official channels.
Verify vehicle details
Check registration number, make, model, fuel type and declared usage.
Keep records ready
Review the current policy, registration certificate and other documents the insurer requests.
Review protection needs
Consider changes in vehicle value, usage, drivers and optional cover.
Products & Services
Protection for the things that matter
Explore the five insurance categories below. Product availability, terms and eligibility must be confirmed with the relevant insurer.
LIC — Life Insurance
Explore life insurance options to help plan for your family’s financial protection and long-term responsibilities.
Learn More
Star Health Insurance — Medical
Explore health insurance information and understand how eligible medical expenses may be covered under a selected policy.
Learn More
Galaxy Health Insurance — Medical
Learn about medical protection considerations and the questions to ask when reviewing health cover options.
Learn More
The Oriental Insurance Co. — Fire Insurance
Understand key considerations when exploring fire and property-related insurance for eligible buildings, contents or business risks.
Learn MoreEnquiry form
How can we help?
Need Help Reviewing Your Vehicle Insurance Options?
Compare current policy documents and check the conditions before renewing or selecting cover.