Raheja QBE Car Insurance

Raheja QBE car insurance is designed to cover the financial liabilities when the insured vehicle meets with an unanticipated mishap on the road. With its customer-centric approach, Raheja QBE General Insurance Company offers car insurance plans at affordable prices with hassle-free claim settlements.

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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 health insurance, home insurance policies in addition to commercial vehicle insurance and aims at providing innovative insurance solutions to its diverse range of customers. The company also strives to make insurance-related processes super simple and hassle-free.

Key Features of Raheja QBE Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 100.51%
Personal Accident Insurance Up to 15 Lakhs
No Claim Bonus Yes

Benefits of Raheja QBE Car Insurance

Raheja QBE motor insurance offers the following features and benefits with its car insurance plans:

  • 1300+ network garages offering cashless repair services
  • Simple and hassle-free communication, buying, renewing and settlement process
  • The insurance company offers customized car insurance plans with the best coverage.
  • Customer-oriented approach with an aim to offer complete customer satisfaction
  • Personal accident cover for the policyholders
  • The claim settlement ratio of Raheja QBE motor insurance is 86%.

Types of Raheja QBE Car Insurance Policy

Raheja QBE General Insurance Company offers three motor insurance policies to cater to all the insurance requirements of your car. They are:

1. 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. This plan 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.

2. 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. This 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 third party liability only policy to cover the insured car.

3. Comprehensive Car Insurance Policy

A comprehensive or private package car policy by Raheja QBE motor insurance covers the insured car against damages arising out of unforeseen events like theft, fire, road accident, earthquake, riots, and more. This policy is an extensive one as it also covers third party liabilities arising out of accidents involving the insured car.

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Raheja QBE Car Insurance Premium Calculator

With the help of a Raheja QBE car insurance premium calculator, you can also calculate 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 License: Damages sustained when the person is driving without a valid driving license
  • 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

By paying some extra premium, you can also purchase add-on covers to enhance the coverage of your Raheja QBE motor insurance policy. These add-ons are:

  • Consumable Expenses Cover

    This add-on cover compensates for the repairs or replacement of consumables cover, such as bolts, screws, nuts, etc.

  • Daily Conveyance Benefit

    This add-on covers 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 against damages sustained by the engine and engine parts of the insured car.

  • 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

    This add-on cover compensates for the loss of personal belongings from the insured car due to car loss or theft.

  • 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. This add-on protects your No Claim Bonus from being nullified due to a claim.

  • Tyre & Rim Protector

    Under this add-on cover, the insurer will compensate for the repairs/replacement of tyres, tubes and rims damaged due to an accident.

  • 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 this 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 insurance premium of the vehicle.

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:

  • Registration: Register your car insurance claim by intimating the insurer about the incident. You can call on their customer care number or send them an email.
  • Inspection: After claim registration, a surveyor will be sent to inspect the extent of damages sustained by the insured car.
  • 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.
  • Repairs & Payment: The insured car will, then, be repaired at an authorized 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.

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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:

  • A copy of the insurance policy.
  • Copy of registration certificate
  • Copy of car driving license
  • A copy of the police FIR
  • Estimates of repairs from the repairer
  • Repair bills, invoices and payment receipts
  • NEFT details of policyholder along with cancelled cheque/bank passbook.

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, visit the ‘Car Insurance’ page.

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 of 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 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.

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Raheja QBE Car Insurance Reviews & Ratings

4.9 / 5 (Based on 5 Reviews)
(Showing Newest 5 reviews)
Roop
Bhuj, October 21, 2021
Good service
When I went to Policybazaar for car insurance, I was surprised to see that they have a lot of plans but I had to chosen one so I took Raheja Qbe car insurance. Anyone who insures their car from here will get the good service just like i got.
Keshav
Faridabad, August 25, 2021
Good features
I have purchased Raheja Qbe car insurance plan for my newly bought car which i have taken from policy bazaar. My plan will provide me protection against any unplanned events like any kind of damage or loss. Thank you policy for giving me such good features
Poornachandra
Tinsukia, August 18, 2021
reasonable price
i wanted to buy car insurance for my newly bought car. one of my relative suggested me to have a look on policy bazaar website. i visited to the website and i took Raheja QBE car insurance plan.i got my plan at reasonable price and also got some discount .
Sushil
Raath, April 30, 2021
Claim settled easily
My car claim amount was settled very quickly and easily. It was of raheja qbe car plan and it was done and dusted in less than 5 days. Great work.
Nakul
Ahmednagar, May 13, 2016
Good
I buy raheja qbe car insurance plan. The policy coverage is high and the premiums are low. The service is fast which is provided by the executives and the staff members of the company that's why the claims are easily sanctioned. Tow car facility and large number of garages are there for facilitate the service when even we needed.