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Raheja QBE Car Insurance
- Raheja QBE Comprehensive Car Insurance
Raheja QBE Comprehensive Car Insurance
A Raheja QBE comprehensive car insurance policy includes coverage for both the car's own damages and third-party obligations. This plan by Raheja QBE General Insurance is designed to cover the financial obligation to third parties for liability insurance caused by the insured vehicle and compensate for the injury or damage due to accidents, robbery, fire, natural calamities, and man made catastrophes.
Benefits of Raheja QBE Comprehensive Car Insurance Policy
Raheja QBE General Insurance offers multiple benefits under its private car insurance policy. Some of these are listed below:
- Covers Accidental Damages: By purchasing a Raheja QBE comprehensive car insurance policy, a policyholder can cover accidental damages sustained by the insured car. Damages arising out of collisions, manmade acts, natural calamities, etc are covered under the policy.
- Covers Theft: A car insurance policy by Raheja QBE General Insurance also offers compensation against partial or total loss of the insured car due to theft.
- Protection Against Fire: Losses to the insured car due to fire is also compensated under a comprehensive car insurance policy by the insurer.
- Personal Accident Cover: With a comprehensive car insurance policy, you can get compensated up to Rs. 15 Lakh in case of death, disability of the owner/driver of the car.
Coverage Under Raheja QBE Comprehensive Car Insurance
A Raheja QBE comprehensive insurance policy offers the following coverage.
Inclusions offered under a Raheja QBE car insurance policy are:
- Death and disability of third person involved in an accident with the insured car. Third party property damage are also covered under a comprehensive car policy
- Natural calamities such as earthquake, cyclone, hurricane, causing damages to the insured car
- Losses arising as a result of theft or burglary are covered under the policy
- Losses sustained by the insured car due to fire, explosion or self-ignition
- Manmade activities like riots, strikes, etc resulting in damages to the insured car
Damages that are not covered under the Raheja QBE four-wheeler insurance policy are:
- Damages sustained by the insured car when the driver was not carrying a valid driving licence
- Accidental damages to the insured four-wheeler when the driver was under the influence of alcohol
- Depreciation, regular wear and tear caused to the insured car at the time of claim
- Damages to the insured four-wheeler when being driven for commercial purposes
- Raising a claim under expired car insurance is also not valid. Make sure to renew car insurance on time to reduce the chances of claim rejections.
Add-ons Offered Under Raheja QBE Comprehensive Car Insurance
The coverage of a Raheja comprehensive insurance policy can also be increased by purchasing add-ons at a nominal extra premium. These add-ons are:
- Zero Depreciation
- Engine Protector
- Consumables Expenses
- Key Protect Cover
- Return to Invoice
- Daily Conveyance Benefit
- Loss of Personal Belongings
- Tyre and Rim Protector
- NCB Retention Cover
Documents Required to Raise a Raheja QBE Comprehensive Car Insurance Claim
The following documents are mandatory to raise a claim under Raheja QBE comprehensive car insurance policy:
- Vehicle insurance policy copy
- Copy of registration certificate/book
- Copy of vehicle driving licence
- Police Panchnama/FIR
- Estimates for repairs
- Repair bills and estimates of repair
- NEFT details of the insured along with cancelled cheque or bank passbook
FAQS
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Q1. What factors go into determining my car insurance premium?
Ans: The following criteria are used to compute the premium for one's automobile insurance policy:- Car's RTO
- Registration year
- Make, model, variant
- Car's engine capacity
- NCB
You can make use of a car insurance premium calculator to get an estimated cost of your car insurance policy.
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Q2. Is my vehicle's depreciation covered by the Raheja QBE comprehensive car insurance policy?
Ans: Unfortunately, depreciation on one’s car and its components is not covered by the Raheja QBE vehicle insurance policy. -
Q3. Will my car get insured together under Raheja QBE's comprehensive car insurance policy if it is damaged as a result of a war or a nuclear threat?
Ans: No, one's damage coverage does not apply to harm caused by war, rebellion, or nuclear danger. -
Q4. Is it necessary to get third-party insurance after purchasing a comprehensive policy?
Ans: No, because comprehensive policy includes third-party liability coverage to the car's damage coverage. So you don’t need an extra cover for covering TP damages.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
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Car insurance companies
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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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##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.