Oriental Insurance Liability Only Policy

What is the Plan all About?

Liability Only Policy from Oriental Insurance ensures a complete third party liability only cover. With this motor insurance policy, you are covered against the bodily injury, death or property damage caused to any third parties on your fault. This motor policy is applicable for all types of vehicles.

Key Features

Cover for third party liability
Personal accident cover for owner - driver
Quick & hassle free claim settlement process
Avail cashless claims at listed network garages
Additional covers to customize the policy coverage

What are the Plan Benefits?

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakh or 1 lakh (as applicable) is payable towards personal accident cover during any one period of insurance.

Additional Covers

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

Personal Accident Cover: Additional personal accident cover is available for Paid Driver & Unnamed Passengers, as stated in the policy schedule.
Bi-fuel Kit: The CNG-LPG bi-fuel kit can also be covered upon opting the add-on cover.

Major Exclusions

Following are the conditions that are not covered under this policy:

Vehicle is used outside the geographical area
Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
Any claim arising out of contractual liability
Loss /Damage outside India
Mechanical breakdown
Consequential loss
Depreciation, wear and tear
Intoxicated driving
Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.