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Raheja QBE Car Insurance
Raheja QBE car insurance is designed to cover financial liabilities when the insured vehicle meets with an unanticipated mishap such as accidents, theft, fire, etc. With its customer-centric approach, Raheja QBE General Insurance Company offers car insurance plans at affordable prices with hassle-free claim settlements.
About Raheja QBE General Insurance Company
Raheja QBE General Insurance Co. Ltd. is one of the leading private insurance companies in the Indian general insurance market. It is a joint venture between Rajan Raheja Group and QBE Insurance, both of which are global leaders in the business and insurance industry.
Raheja QBE General Insurance Company provides customised motor insurance plans in addition to other sectors. It aims at providing innovative insurance solutions to its diverse range of customers. The company also strives to make claims services super simple and hassle-free.
Key Features of Raheja QBE Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 92% |
| Personal Accident Insurance | Up to Rs. 15 Lakhs |
| Network Garages | 1,300+ |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | Unlimited |
| No. of Comprehensive Claims | Unlimited |
Benefits of Raheja QBE Car Insurance
Raheja QBE motor insurance offers the following benefits with its car insurance plans:
- Simple and hassle-free communication, buying, renewing and settlement process
- The insurance company offers customised car insurance plans with the best coverage.
- Customer-oriented approach with an aim to offer complete customer satisfaction
- The claim settlement ratio of Raheja QBE motor insurance is 92%.
Types of Raheja QBE Car Insurance Polic
Raheja QBE General Insurance Company offers three motor insurance plans to cater to all the insurance requirements of your car. They are:
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Third-Party Liability Only Policy
The Raheja QBE liability-only plan for a private car compensates the policyholder against any damages arising out of third-party death, injury or third-party property involving the insured car in an accident. Third party insurance is a mandatory cover for every car owner in India and excludes damages to the insured car.
When it comes to covering liabilities, this policy covers third-party injury or death to an unlimited extent. However, liability towards third party property is up to Rs. 7.5 lakh.
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Standalone Own Damage Insurance Policy
This policy offers compensation to the policyholder against loss or damage sustained by the insured vehicle due to theft, accidents, natural calamities, etc. Own damage policy can be further extended by purchasing add-on covers at an additional premium.
A policyholder can purchase a standalone own damage insurance policy in addition to a third party liability only policy to cover the insured car.
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Comprehensive Car Insurance
A comprehensive or private package car policy by Raheja QBE motor insurance covers the insured car against damages arising from unforeseen events like theft, fire, road accident, earthquake, riots, and more
Comprehensive policy is an extensive one as it also covers third-party liabilities arising out of accidents involving the insured car. Moreover, a comprehensive plan can be enhanced by purchasing additional covers at some extra premium amount.
Raheja QBE Car Insurance Premium Calculator
With the help of a Raheja QBE car insurance premium calculator, you can also calculate car insurance premium before purchasing a car insurance policy and check whether it fits your budget requirements.
Coverage Under Raheja QBE Car Insurance
- Theft: Damages arising due to theft, housebreaking or burglary
- Fire: Loss of insured car due to events like fire, self-ignition or explosion
- Manmade Acts: Damages sustained by the insured car due to strikes, riots, terrorist acts, etc.
- Natural Calamities: Loss or damages due to earthquakes, landslides, rockslides, etc.
- Third Party Liability: Liabilities against the third party, such as third-party death, injury or property damage
- External Means: Damages to the insured car due to accident by external means
- Whilst in Transit: Damages to the insured car while in transit via road, rail, airway or waterway.
- Depreciation: Normal wear, tear and depreciation of the insured car
- Breakdown: Damages arising due to mechanical and electrical breakdown
- Invalid Driving Licence: Damages sustained when the person is driving without a valid driving licence
- Drunk Driving: Damages caused when the driver was under the influence of alcohol
- War: Loss or damage due to mutiny, civil war or nuclear risks
- Contractual Liability: Damages arising due to contractual liabilities of the insured vehicle
- Usage Limitations: Damages sustained when the insured vehicle is being used for a purpose other than specified in the policy documents
Raheja QBE Car Insurance: Add-ons
Consumable Expenses Cover
Any damage to the consumables of an insured car is not covered under a standard car policy. Consumable add-on cover compensates
for the repairs or replacement of consumables cover, such as bolts, screws, nuts, etc.
Daily Conveyance Benefit
Daily allowance add-on cover the expenses incurred on hiring another mode of transport
while the insured vehicle is under repairs for more than three days.
Engine Protector
Engine Protector add-on covers damages sustained by the engine and engine parts of the insured car.
Damages to the engine and gearbox of the insured car due to water ingression are not covered under a standard car insurance policy. This add-on can be useful by covering such damages.
Key Protect Cover
Under the Key Protect cover, the insurer compensates for the repair
or replacement cost of the damaged, lost or stolen keys of the insured car.
Loss of Personal Belongings Cover
Loss of personal belongings add-on cover compensates for the loss of personal belongings from the insured car due to car loss or theft.
This add-on also covers both the lock and key if the car is broken into.
NCB Retention Cover
An NCB Retention add-on cover helps in retaining your NCB even if you have made a claim in the previous year.
NCB protector add-on protects your No Claim Bonus from being nullified due to a claim.
Tyre & Rim Protector
Under the tyre add-on cover, the insurer will compensate for the repairs/replacement of tyres, tubes and rims damaged due to an accident.
Usually, damages to the car's tyres and tubes are not covered under a comprehensive car insurance policy.
Zero Depreciation Cover
With Zero Depreciation cover, the depreciation on the insured car is not deducted from the claim amount during the claim settlement process.
The insurer compensates the whole or partial depreciation amount sustained by the insured car and its parts.
Return to Invoice Cover
If the insured car has suffered a total loss or theft, then return to invoice add-on cover will pay the difference between the current selling price and the invoice value of the vehicle to the policyholder.
It also covers the registration fee, road tax and vehicle insurance premium.
How to Renew a Raheja QBE Car Insurance Policy?
For Raheja QBE car insurance renewal, you can follow the steps mentioned below:
Step 1: On Policybazaar.com, click on the 'Car Insurance' tab from the homepage
Step 2: Fill in your car number and select "View Instant Quotes"
Step 3: Now fill in your name, email and mobile number and proceed with the ‘View Prices’ option
Step 4: Select the expiry date and provide the claim details of your existing motor insurance policy
Step 5: Find the Raheja QBE car insurance renewal plan and check its details
Step 6: Select the required add-ons at some extra premium and proceed
Step 7: Mention the NCB discount on your existing four-wheeler insurance policy
Step 8: Once the details are verified, proceed with the payment of the premium.
Step 9: Now make the payment with the desired online mode
Step 10: After the completion of payment, your Raheja QBE motor insurance policy will be renewed. You will receive the policy documents at your registered mail address.
How to File a Claim Under Raheja QBE Car Insurance?
To file a claim under the Raheja QBE car insurance policy, you can follow the below-mentioned steps:
1
Registration:
Register your car insurance claim by intimating the insurer about the incident. You can call their customer care number or send them an email.
2
Inspection:
After claim registration, a surveyor will be sent to inspect the extent of damages sustained by the insured car.
3
Documents Approval:
You may be asked to show certain documents for the claim to be approved. Therefore, make sure to keep the needed documents with you at the time of claim processing.
4
Repairs & Payment:
The insured car will then be repaired at an authorised network garage, and the insurer will pay for these repairs. If the car has been repaired in a non-network garage, the insurance company will pay back the claim amount to you after you have paid the bill at the garage.
Documents Required to Raise a Claim Under Raheja QBE Car Insurance
To raise a claim under the Raheja QBE motor insurance policy, you will be required to show the following documents for verification:4
- A copy of the insurance policy
- Copy of registration certificate
- Copy of car driving licence
- A copy of the police FIR
- Estimates of repairs
- Repair bills, invoices and payment receipts
- NEFT details of policyholder along with cancelled cheque/bank passbook.
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Raheja QBE Car Insurance FAQs
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Q1: How can I check the policy status for Raheja QBE car insurance online?
Ans: The best way to check the status of your Raheja QBE car insurance policy is from the provider's website. You can log in to the website with your policy details, enter the right policy number and get the details of the status. If you have purchased a policy from us, you can check its status from your Policybazaar account.
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Q2: Can I transfer my existing NCB to my Raheja QBE car insurance policy?
Ans: Yes, you can transfer your No Claim Bonus discount from your existing car insurance policy when you renew your policy from Raheja QBE General Insurance Company.
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Q3: What is the company’s process to settle the Raheja QBE car insurance claim?
Ans: The Raheja QBE General Insurance Company settles a claim within 7 days of the claim receipt. After you file the claim, an officer will investigate the entire matter and settle the case. You can file a claim on the website and by calling on the insurer’s toll-free number.
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Q4: Can I get any discount on the purchase of Raheja QBE car insurance?
Ans: Following car insurance discounts are available under Raheja car insurance policy purchase:
- Anti-theft discount
- Discount on membership of the Automobile Association of India
- NCB discount
- Voluntary Deductibles
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.