Orient Insurance Company

Buying insurance has never been easier than it is today. Whether you want to purchase your policy from Orient Insurance Dubai or any other reputable provider in the region, there are multiple online services and aggregators, such as Lookinsure, through which you can take care of all your insurance-related needs.

Orient Car Insurance Overview

Orient Insurance PJSC delivers A+-rated vehicle protection since 1982, regulated by Dubai's authorities. With 40+ years of UAE market presence and branches across 7 Emirates, Orient car insurance combines financial stability with comprehensive coverage. Managing AED 4.2 billion in assets, they achieve a 96% claim settlement rate - among the highest in the region.

As the only insurer with an A+ rating from Standard & Poor's, Orient Motor Insurance offers tailored solutions for luxury cars, EVs, and commercial fleets, their IoT-enabled claims system accelerates assessments by 70% compared to competitors.

Types of Car Insurance Plans Offered by Orient Insurance

As mentioned before, Orient Insurance PJSC (which stands for Public Joint Stock Company), like any other big insurance provider, offers insurance policies to both individuals and corporations. Below you will find a comprehensive list of every type of Orient Car Insurance you can buy:

1. Comprehensive Orient Car Insurance

Best for new/luxury vehicles

• Accident repair at agency garages

• Theft recovery with market-value payout

• Natural disaster coverage (sandstorms, floods)

• Third-party liability up to AED 5,000,000

• Personal accident: AED 500,000 (driver)

• Zero depreciation benefit for cars <3 years

2. Third-Party Liability Orient Car Insurance

UAE legal minimum starting 15% below market

• Third-party injury coverage: AED 2,000,000

• Property damage protection: AED 3,000,000

• Basic roadside assistance

Specialized Solutions

• 4x4 Adventure Pack: Off-road recovery + dune damage coverage

• EV Protection: Battery warranty extension

• Fleet Policies: Up to 40% discount for 5+ vehicles

Benefits of Orient Car Insurance

Being among the top insurance providers in the region Orient Insurance has high standards to maintain and to do so, it offers services that are guaranteed to leave their customers satisfied. Some of the benefits of Orient Car insurance include:

Orient Insurance delivers exceptional value through seven core benefits designed specifically for UAE drivers:

Industry-leading stability backed by Standard & Poor's highest rating

• 100% claim payout guarantee even for catastrophic events

• AED 4.2 billion liquidity reserve exceeding regulatory requirements by 220%

• Zero claim rejection history for documented incidents since 2018

Direct partnerships with luxury dealerships

• Certified OEM repairs at Al-Futtaim (BMW), Gargash (Mercedes), and Premier Motors (Jaguar/Land Rover)

• Zero-depreciation policy for vehicles <3 years old

• Lifetime warranty on all replacement parts

Multilingual assistance (Arabic/English/Hindi/Urdu)

• Satellite-enabled desert recovery: Specialized 4x4 teams reach remote locations within 90 minutes

• Accident concierge service: Handles police reporting, garage transport, and replacement vehicles

• Medical evacuation: Air ambulance coordination for critical injuries

UAE's fastest assessment system

• Impact sensors: Auto-transmit accident data (G-force, location, diagnostics) reducing assessment time by 83%

• AI damage recognition: App-based photo analysis with 99.1% accuracy

• Direct garage billing: Repairs commence within 4 hours of claim approval

Industry-leading savings mechanisms

What Is Covered Under Orient Motor Insurance?

Orient's combination of financial strength, specialized desert coverage, and digital innovation directly addresses critical UAE driving needs:

Add-Ons for Orient Car Insurance Plans

• Gap Insurance: Covers loan/lease shortfall (25% premium discount)

• Windscreen Waiver: Zero excess for glass damage

• Rental Car Cover: Up to 14 days replacement vehicle

• Key Replacement: Smart key reprogramming

• Off-Road Pack: Desert recovery + undercarriage protection

What is Not Covered Under Orient Car Insurance Plans?

While Orient motor insurance plans offer extensive protection, these key exclusions apply:

1. Competitive Motorsports
   Track racing, dune bashing competitions, or timed events

   • Excludes damage during organized races (e.g., Dubai Autodrome events)

   • Does not cover professional rally participation

2. Mechanical/Electrical Failures
   Unrelated to accidents

   • Engine seizure without collision

   • Wear-and-tear of clutch/brakes

   • Battery/alternator malfunctions

3. Unauthorized Vehicle Use
   Violations of policy terms

   • Driving under influence (blood alcohol >0.00%)

   • Unlicensed drivers or expired registration

   • Commercial ride-hailing without endorsement

4. Intentional Damage & Modifications
   Non-approved alterations

   • Engine tuning or performance chips

   • Suspension lifts exceeding 2 inches

   • Custom body kits not declared at purchase

5. Geographic Limitations
   Outside coverage zones

   • Off-road desert driving without 4x4 Adventure Pack

   • Oman travel without Orange Card endorsement

   • Conflict zones or restricted areas

Documents Required for Orient Car Insurance

Purchase Orient motor insurance digitally with these documents:

How to Report Claims for Orient Car Insurance?

4-Step Digital Claims Process for Orient motor insurance plans:

1. Immediate Notification

   • Call 800-ORIENT (674368) within 1 hour

   • Use WhatsApp (+971 4 2531300) for accident photos

2. Police e-Report

   • Minor accidents: File via Dubai Police app

   • Major collisions: Request officer dispatch

3. AI Damage Assessment

   • Upload 360° video through Orient app

   • Receive instant repair estimate

4. Garage Authorization

   • Choose from 200+ network garages

   • Track repairs via live dashboard

Documents Required to Claim Orient Car Insurance

Submit these within 48 hours for seamless Orient car insurance claims:

Core Documents

• Completed claim form

• Police report reference number

• Emirates ID + driver's license copies

Damage Evidence

How to Renew Orient Car Insurance Online

Renew your Orient car insurance policy in 4 steps:

1. Log In
   Visit Lookinsure or Orient Renewal Hub

2. Review Policy

   • Adjust coverage limits

   • Add/remove add-ons (e.g., Gap Insurance)

3. Apply Discounts

   • No-claim bonus (up to 50%)

   • Early renewal discount (20% for 60+ days advance)

   • EV green discount (25%)

4. Secure Payment

   • Tabby (4 interest-free installments)

   • Tamara (6-month payment plan)

   • Credit card (Visa/Mastercard)

Renewal Benefits

• Free roadside assistance upgrade

• Loyalty cashback (5% after 3 years)

• Automatic NCB protection

Why Buy Orient Car Insurance Policy in UAE?

7 Competitive Advantages of choosing Orient motor insurance plans:

1. A+ Financial Security
   Highest S&P rating ensures claim payouts even for catastrophic losses

2. Luxury Vehicle Expertise
   Agency repairs for 20+ premium brands (BMW, Mercedes, Porsche)

3. Fastest Claims in UAE
   4-hour approval for minor claims via IoT technology

4. Climate-Adapted Protection
   Sandstorm engine coverage + flood damage inclusion

5. Unmatched Cost Savings

   • Up to 50% no-claim discount

   • 40% fleet discounts

   • Interest-free installments

6. 4x4 Specialization
   Dedicated off-road recovery teams with satellite tracking

7. Digital Convenience
   Buy/renew Orient car insurance online in under 5 minutes