Raheja QBE Standalone Own Damage Car Insurance

Apart from securing your car from third-party liabilities, if you also want to cover your four-wheeler from unanticipated own damages, purchasing a Raheja QBE standalone own damage car insurance can be the right choice. This plan by Raheja QBE General Insurance Company can financially and legally protect your vehicle from accidental losses.

1300 Cashless garages
Plan starting @ ₹2541^#
98% Claim settlement ratio

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year ^#

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Key Features of Raheja QBE Standalone Own Damage Car Insurance

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Upto 50%
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

Coverage Under Raheja QBE Standalone Own Damage Car Insurance

Inclusions
Exclusions

Losses caused to the insured car due to self-explosion, ignition or fire
Damages arising as a result of natural calamities like cyclones, typhoons, etc.
Claims can also be raised if the insured car sustained losses due to burglary, theft or housebreaking
Damages sustained by the insured car due to malicious acts or terrorist activity
In-transit damages sustained by the insured car are also covered under the own damage cover
Damages sustained by the insured vehicle by accidental external means such as collision

Damages caused to the insured vehicle as a result of drunk driving
Losses sustained by the insured car when the driver was not carrying a valid driving license
Losses arising out of general wear and tear, depreciation sustained by the insured vehicle
Third party death, injury or third party property damage is also not covered under the Raheja OD cover
Accidental damages arising outside the geographical location, as mentioned in the policy coverage

Add-ons Under Raheja QBE Standalone Own Damage Car Insurance

A policyholder can also purchase add-ons to enhance the coverage of his/her Raheja car insurance policy. These add-ons include:

Zero Depreciation Cover
Engine Protector
Key Protect Cover
Consumables Expenses
Loss of Personal Belongings
NCB Retention Cover
Daily Conveyance Benefit

How to Buy Raheja QBE Standalone Own Damage Car Insurance Policy?

A policyholder who already owns a third-party cover can purchase a Raheja QBE own damage car insurance policy online from Policybazaar Insurance Brokers Private Limited. Here are some easy steps to do so:

Visit Policybazaar.com and select the “Car Insurance” option from the homepage
You will now be taken to a form where you have to enter your car number
On the following few pages, select your car’s RTO, model, variant and registration year
Once you have entered all the details, you will be directed to the car insurance quotes page
From here, you can select Raheja own damage car insurance plan along with add-ons that you wish to add to your plan
Pay the final premium amount using UPI, net banking or bank cards
Once you have paid the premium, your Raheja QBE OD car insurance documents will be mailed to your email address.

Documents Required to Raise Raheja QBE Standalone Own Damage Claim

In case your car meets with an unforeseen accident, the first thing to do would be to inform your insurer about the damages sustained by your four-wheeler. The insurance company will send a surveyor to examine the damages sustained by your car. Here you must submit some documents to the surveyor for claim verification. These documents are:

Duly filled and signed claim form
KYC/AML documents
Copy of driver's driving license
Vehicle's registration certificate
Proof of insurance: OD policy copy
Bills of repair
Estimates of repair
Police FIR

FAQs

Q1. What is the period of Raheja OD car insurance policy?

Ans: The validity of a Raheja own damage car insurance policy is one year, after which it has to be renewed yearly.
Q2. What is the claim settlement ratio of Raheja QBE?

Ans: Raheja QBE General Insurance Company has a claim settlement ratio of 92%.
Q3. What is best own damage or comprehensive car insurance?

Ans: Choosing the best car insurance policy depends on your desired coverage and budget. If you have an existing third-party car insurance policy and want to cover your car from accidental damages, you can purchase a standalone own damage car insurance policy at a nominal premium.
On the other hand, if you want extensive coverage with a third party and own damage coverage together, you can purchase comprehensive car insurance. The premium of a comprehensive car insurance policy is slightly higher than OD cover as it offers complete protection to your car.
Q4. How can I calculate the premium of own damage car insurance?

Ans: To calculate the premium of an own damage cover, you can use a Car Insurance Premium Calculator on Policybazaar.com. This calculator lets you calculate own damage premium considering factors like the car’s RTO, make, model, variant and registration year.