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The Oriental Insurance Company Policy Wordings

IRDAI's non-life product register lists 15 Oriental Insurance products and 49 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Event and cancellation · Motor · Crop and rural

Fire and property (3)

ProductUINApprovedPolicy wording
ORIENTAL INSURANCE - BHARAT GRIHA RAKSHA POLICYIRDAN556RP0011V0220202126 May 2022Wording
ORIENTAL INSURANCE- BHARAT LAGHU UDYAM SURAKSHA
5 add-ons
  • Accidental Damage Cover – Add on to Oriental Insurance- Bharat Laghu Udyam Suraksha IRDAN556RP0013V02202021/A0001V01202223 · 27 May 2022 Wording
  • Deterioration of Stocks cover in Cold Storage Cover- Add on Cover under IRDAN556RP0013V02202021/A0002V01202223 · 27 May 2022 Wording
  • Expediting Expenses Cover – Add on to Oriental Insurance- Bharat Laghu IRDAN556RP0013V02202021/A0003V01202223 · 27 May 2022 Wording
  • Immediate Repairs Cover – Add on to Oriental Insurance- Bharat Laghu IRDAN556RP0013V02202021/A0004V01202223 · 27 May 2022 Wording
  • Molten Material Damage Cover – Add on to Oriental Insurance- Bharat IRDAN556RP0013V02202021/A0005V01202223 · 27 May 2022 Wording
IRDAN556RP0013V0220202126 May 2022Wording
ORIENTAL INSURANCE- BHARAT SOOKSHMA UDYAM SURAKSHA POLICY
5 add-ons
  • Accidental Damage Cover – Add on to Oriental Insurance- Bharat Sookshma Udyam Suraksha IRDAN556RP0012V02202021/A0006V01202223 · 25 Jul 2022 Wording
  • Deterioration of Stocks cover in Cold Storage Cover- Add on Cover under IRDAN556RP0012V02202021/A0007V01202223 · 27 May 2022 Wording
  • Expediting Expenses Cover – Add on to Oriental Insurance- Bharat IRDAN556RP0012V02202021/A0008V01202223 · 27 May 2022 Wording
  • Immediate Repairs Cover – Add on to Oriental Insurance- Bharat Sookshma IRDAN556RP0012V02202021/A0009V01202223 · 27 May 2022 Wording
  • Loss of Rent and Additional Expenses of Rent for an Alternate Premises For IRDAN556RP0012V02202021/A0010V01202223 · 27 May 2022 Wording
IRDAN556RP0012V0220202126 May 2022Wording

Event and cancellation (1)

ProductUINApprovedPolicy wording
EVENT CANCELLATION INSURANCE POLICYIRDAN556RP0011V0120222313 Jun 2022Wording

Motor (9)

ProductUINApprovedPolicy wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance PoliciesIRDAN556RP0020V0220181929 Sep 2022Wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance PoliciesIRDAN556RP0020V0120181928 Dec 2018Wording
Long Term Two Wheeler Package PolicyIRDAN556RP0019V012018191 Nov 2018Wording
Private Car Liability Only Policy - 3yearsIRDAN556RP0001V0120181930 Aug 2018Wording
Private Car Package Policy - 3years
4 add-ons
  • Engine Protect Cover - 3 years IRDAN556RP0003V01201819/A0010V01201819 · 10 Oct 2018 Wording
  • Nil Depreciation Policy-3 years IRDAN556RP0003V01201819/A0007V01201819 · 10 Oct 2018 Wording
  • Personal Effects whilst in the vehicle- 3 years IRDAN556RP0003V01201819/A0008V01201819 · 10 Oct 2018 Wording
  • Return to Invoice-3 years IRDAN556RP0003V01201819/A0009V01201819 · 10 Oct 2018 Wording
IRDAN556RP0003V0120181930 Aug 2018Wording
Private Car Policy -Bundled
4 add-ons
  • Engine Protect Cover-Bundled IRDAN556RP0005V01201819/A0016V01201819 · 10 Oct 2018 Wording
  • Nil Depreciation Policy- Bundled IRDAN556RP0005V01201819/A0013V01201819 · 10 Oct 2018 Wording
  • Personal Effects whilst in the vehicle-Bundled IRDAN556RP0005V01201819/A0014V01201819 · 10 Oct 2018 Wording
  • Return to Invoice-Bundled IRDAN556RP0005V01201819/A0015V01201819 · 10 Oct 2018 Wording
IRDAN556RP0005V0120181930 Aug 2018Wording
Two Wheeler Liability Only Policy - 5yearsIRDAN556RP0002V0120181930 Aug 2018Wording
Two Wheeler Policy - Bundled
2 add-ons
  • Nil Depreciation Policy-Bundled IRDAN556RP0006V01201819/A0017V01201819 · 10 Oct 2018 Wording
  • Return to Invoice-Bundled IRDAN556RP0006V01201819/A0018V01201819 · 10 Oct 2018 Wording
IRDAN556RP0006V0120181930 Aug 2018Wording
Two-Wheeler Package Policy - 5years
2 add-ons
  • Nil Depreciation Policy- 5 years IRDAN556RP0004V01201819/A0011V01201819 · 10 Oct 2018 Wording
  • Return to Invoice- 5 years IRDAN556RP0004V01201819/A0012V01201819 · 10 Oct 2018 Wording
IRDAN556RP0004V0120181930 Aug 2018Wording

Crop and rural (2)

ProductUINApprovedPolicy wording
Pradhan Mantri Fasal Bima Yojana PolicyIRDAN556P0001V0120161726 Dec 2016Wording
Weather Based Crop Insurance SchemeIRDAN556P0001V0120171821 Aug 2017Wording

Add-ons filed on their own (27)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-onUINApprovedPolicy wording
Brands and Trademarks ClausesIRDAN556RP0012V01202021/A0011V0120212230 Jul 2021Wording
Brands and Trademarks ClausesIRDAN556RP0013V01202021/A0016V0120212230 Jul 2021Wording
Claim preparation ClauseIRDAN556RP0012V01202021/A0012V0120212230 Jul 2021Wording
Claim preparation ClauseIRDAN556RP0013V01202021/A0017V0120212230 Jul 2021Wording
Consumables CoverIRDAN556RP0077V01200506/A0021V0120181924 Jan 2019Wording
EMI Protector - Add on to GCCV Package PolicyIRDAN556RP0079V01200506/A0002V0120212225 May 2021Wording
EMI Protector - Add on to Miscellaneous Class D Package PolicyIRDAN556RP0082V01200506/A0005V0120212225 May 2021Wording
EMI Protector - Add on to PCCV Package PolicyIRDAN556RP0081V01200506/A0003V0120212225 May 2021Wording
EMI Protector - Add on to Private Car Package PolicyIRDAN556RP0077V01200506/A0004V0120212225 May 2021Wording
EMI Protector - Add on to Private Car Policy - BundledIRDAN556RP0005V02201819/A0009V0120212230 Jun 2021Wording
EMI Protector - Add on to Stand-alone Own Damage Policy - Private CarIRDAN556RP0001V01201920/A0008V0120212230 Jun 2021Wording
Engine Protect CoverIRDAN556A0002V0120171820 Oct 2017Wording
Escalation ClauseIRDAN556RP0012V01202021/A0013V0120212230 Jul 2021Wording
Escalation ClauseIRDAN556RP0013V01202021/A0018V0120212230 Jul 2021Wording
Fire Fighting Expenses(Only for Cooperative Societies )IRDAN556RP0011V01202021/A0022V012021228 Sep 2021Wording
IMMEDIATE REPAIRS (other than break down)IRDAN556RP0011V01202021/A0021V012021228 Sep 2021Wording
Involuntary Betterment while reinstating the propertyIRDAN556RP0012V01202021/A0014V0120212230 Jul 2021Wording
Involuntary Betterment while reinstating the propertyIRDAN556RP0013V01202021/A0019V0120212230 Jul 2021Wording
Key ReplacementIRDAN556RP0077V01200506/A0020V0120181924 Jan 2019Wording
Key Replacement - Add on to Motorised-Two Wheelers Package PolicyIRDAN556RP0078V01200506/A0001V0120212225 May 2021Wording
Key Replacement - Add on to Standalone own Damage Polciy - Motorised Two wheelerIRDAN556RP0002V01201920/A0007V0120212230 Jun 2021Wording
Key Replacement - Add on to Two Wheeler Policy BundledIRDAN556RP0006V02201819/A0006V0120212230 Jun 2021Wording
Nil Depreciation Add-on policy for Private Car Package PolicyIRDAN556RP0077V01200506/A0026V0220212229 Sep 2022Wording
Nil Depreciation Add-on policy for Two wheeler Package PolicyIRDAN556RP0078V01200506/A0025V0220212229 Sep 2022Wording
Removal of Debris (Including External Debris and Ingressed Water)IRDAN556RP0011V01202021/A0020V0120212230 Jul 2021Wording
Removal of Debris (Including External Debris and Ingressed Water)IRDAN556RP0012V01202021/A0010V0120212230 Jul 2021Wording
Removal of Debris (Including External Debris and Ingressed Water)IRDAN556RP0013V01202021/A0015V0120212230 Jul 2021Wording

Names in the register

IRDAI registration number 556. Filed as: The Oriental Insurance Co. Ltd.; The Oriental Insurance Co. Ltd.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Oriental Insurance policy wordings?

Above: every Oriental Insurance product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Oriental Insurance general insurance products are in IRDAI's register?

15 products and 49 add-ons, approved 2016 to 2022.

Which lines of cover does Oriental Insurance file most?

By number of products in the register: motor 9, fire and property 3, crop and rural 2, event and cancellation 1.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.