Oriental Car Insurance

Oriental Insurance Company Dubai is among the top policy providers in the UAE. This firm which is itself a branch of the Indian-based Oriental Insurance has been providing its clients with highly personalized insurance services for over six decades, catering to both individuals and corporations.

Oriental Car Insurance Overview

The Oriental  Car Insurance Company is an Indian-based firm founded in 1947, which is exclusively owned by the government of India. This company has active branches in 3 other countrie,s including Kuwait, Nepal, and the UAE, with Oriental Insurance Company Dubai being their representative in the latter.

Key strengths include:

• Financial Stability: A-rated by AM Best, with 98% customer satisfaction.

• Digital Efficiency: Online policy management, claims via LookInsure, and 4-installment payments through Tabby/Tamara.

Types of Car Insurance Plans Offered by Oriental Insurance Company

In this section, we will list different types of car insurance offered by Oriental Insurance to individuals and corporations. 

1. Comprehensive Car Insurance

• Coverage: Theft, accidents, fire, third-party liability (up to AED 250,000), and natural disasters.

• Key Features: Agency repairs, personal accident cover (AED 200,000 for driver/passengers), and GCC-wide validity.

• Best For: New/luxury vehicles needing all-inclusive protection.

2. Third-Party Liability Insurance

• Coverage: Mandatory UAE legal minimum; covers third-party bodily injury/property damage (max AED 250,000).

• Exclusions: Own-vehicle repairs.

• Best For: Budget-conscious drivers.

3. Specialized Plans

• Motorcycle Insurance: Covers bikes up to 350cc, including third-party liability (AED 500,000).

• Fleet Insurance: For businesses with multiple vehicles, offering bulk discounts.

Table: Oriental Car Insurance Plan Comparison

Benefits of Oriental Car Insurance in UAE

Insurance for everyone

Everything you have that is worth something to you, be it your car, property, employee, your whole business, or even your reputation, Oriental Insurance has a policy that helps you protect it in the unlucky event of a loss, intentional or otherwise.

International Coverage

As a company with active branches in 4 different countries in the continent, buying policy from Oriental Insurance Company makes it possible for policyholders to avail themselves of the services offered by this company in different countries depending on the type of insurance.

For instance, Oriental Wellness Packages offer inpatient treatment in India, Pakistan, Sri Lanka, and Bangladesh.

Governmental Support

As we mentioned earlier, the Oriental Insurance Company is owned by the government of India. Being owned by the public sector makes this company a more reliable option as it is less vulnerable to sudden changes in the market which can affect private firms.

Quick Claim Settlement

Oriental insurance company UAE is known for its quick claim settlement. If ever you find yourself in an unfortunate situation that requires filing an insurance claim you can at least rest assured that the process won’t be a difficult one.

What Is Covered Under Oriental Motor Insurance Plans?

Comprehensive Policies Include:

• Accidents: Collisions, overturns, third-party damage.

• Natural Disasters: Sandstorms, floods, earthquakes.

• Theft/Burglary: Full vehicle replacement or compensation.

• Personal Injury: Medical expenses (driver/passengers).

Third-Party Policies Cover:

• Third-party bodily injury (court-determined sums).

• Property damage (up to AED 250,000)

Add-ons for Oriental Car Insurance Plans

Enhance coverage with:

• Zero Depreciation: Full claim value without deducting wear-and-tear.

• Engine Protection: Sand/water ingress damage (critical for desert driving).

• Rental Car Cover: Alternate vehicle during repairs.

• Off-Road Pack: Dune recovery and undercarriage protection.

What Is Not Covered Under Oriental Car Insurance Plans?

Standard Exclusions:

• Drunk driving or drug influence.

• Racing, speed tests, or off-road competitions.

• War, nuclear incidents, or terrorism.

• Unapproved modifications (e.g., engine swaps).

• Damages outside UAE territory (unless GCC add-on purchased).

Documents Required to Buy Oriental Car Insurance in Dubai, UAE

• Emirates ID (front/back copy).

• Valid UAE driving license.

• Vehicle registration card (Mulkiya).

• Trade license (for corporate policies)

How to Report Claims for Oriental Car Insurance?

Filing a claim with Oriental Insurance Company is possible online and through other methods we have mentioned before: over the phone and in person. If you prefer to do it online, whether through Lookinsure or the company’s website, you will need to fill in a form in which the following information is required:

• Policy number
• Customer ID
• Accident details (time and place)
• Police report number
• Driving license info

And a copy of the following documents:

• Police report
• Driving license (front and back)
• Vehicle license (front and back)
• Emirates ID (front and back)

4-Step Process:

1. Immediate Notification: Call police (999) + Oriental’s hotline (800 628873).

2. Document Submission: Upload police report, license, and accident photos.

3. Inspection: Surveyor assesses damage at the network garage.

4. Approval: Repairs authorized within 24–48 hours

Documents Required to Claim Oriental Car Insurance in UAE

• Police report (original copy).

• Driver’s license and Emirates ID (both sides).

• Vehicle registration card.

• Repair estimates from authorized garages.

• Theft Claims: Original keys + FIR report.

How to Renew Car Insurance Online With Oriental Car Insurance?

Renewing an existing policy is quite similar to buying a brand-new one, and it can be done through the same methods. So, depending on your preference, you can renew your Oriental motor insurance plan directly through the company (whether by phone, in person, or online) or with Lookinsure.

Since you already own a policy, the only document you’ll need is your proof of insurance which usually comes in the form of a policy number.

1. Log In: Visit the Oriental Car Insurance website or Lookinsure→ Enter policy details.

2. Apply Discounts: No-claim bonus (up to 50%) or safe-driver rewards.

3. Payment: Choose Tabby (4 installments) or credit card.

• Grace Period: 30 days post-expiry for renewal.

Why Buy Oriental Car Insurance Policy in UAE?

1. Government-Backed Reliability: Fully owned by the Indian government, ensuring market resilience.

2. Proven Expertise: 65+ years in UAE with 344,624+ customers.

3. Seamless Digital Experience: AI-powered claims tracking and app-based management.

4. Cost Efficiency: Competitive premiums + installment flexibility.

5. Legacy Trust: High claim settlement ratio (98%) despite current operational limitations.