Raheja QBE Standalone Own Damage Car Insurance

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Raheja Qbe Standalone Own Damage Car Insurance
  • 1300 Cashless garages

  • Plan starting @ ₹ 2094#

  • 98% Claim settlement ratio

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      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.

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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

      • 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.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *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.

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