Raheja QBE Home Insurance byRaheja QBE General Insurance Company is a collaboration with Rahan Raheja , India’s most dynamic and diversified business entity , with QBE, one of the world’s most reputed Insurance companies. Together Raheja QBE in India makes the most prominent general insurance company in India with its wide- variety of insurance plans starting from individuals covering personal accident plans, health insurance plans, cattle insurance plans, domestic property insurance plans and to corporate bodies which covers marine insurance plans, motor insurance plans, construction and engineering plans, commercial property insurance plans , professional liability plans, workers compensation plans etc.
“Home is where heart is” is an expression which is very correct and absolutely true. Everybody invests their hard earned money to build a home and a place where one returns after day’s hectic work. Home is one of the most precious possessions and hence the same needs a shield against the unforeseen dangers and various perils. Keeping these in mind, Raheja QBE General insurance have come up with comprehensive Home Insurance Plans which protects the house from such dangers or risks. Raheja QBE home insurance plans which offers multiple key benefits for the house and the household contents to provide all round coverage.
Under Personal Insurance Plans category, the Domestic Property Insurance Plans comes which protect and gives coverage to the house and its contents and is certainly a cost efficient home insurance plan. Home Insurance Plans of Raheja QBE have two categories of plans which are as follows:
The Domestic Fire Insurance Plan covers the Standard Fire and Special Perils Insurance which is discussed as below. Additionally, the plan can be extended to cover additional perils as well with the payment of additional premium.
Fire, the most common and a dangerous danger/ threat which can occur suddenly for many reasons. This plan covers the loss and damage which arises due to fire. The reasons may be stated as follows as follows:
Additionally the plan also covers the followings:
Exclusions of the plan:
No indemnity is allowed in the following situations:
Domestic Burglary Insurance Plan
The Domestic Burglary Plan covers the loss or damage caused due to burglary and housebreaking.
This plan covers the contents in the building, stocks/goods owned by the policyholder or held in trust and /or commission. The plan also covers for cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on particular request.
The plan also covers the property against loss/damage due to burglary/ house breaking. It covers the damage to the property caused due to burglary or attempted burglary. The plan pays the actual loss/ damage to the insured property caused due to burglary/ housebreaking with the maximum amount of coverage to the Sum Insured. And if the Sum Assured is not enough to cover the loss, the plan pays only the proportionate loss. For the benefit of the customers, the plan has a provision to cover bulk items on “first loss” basis where a percentage of total contents can be taken as that exposed to the risk of burglary/ housebreaking. The premiums are charged on this percentage selected.
By paying additional premium, the plan also covers the loss or damage due to riot, strike, malicious damage and theft.
Exclusions of the plan:
Under this plan, following coverages are excluded:
The claim service of the group is extremely efficient and user friendly which provides world class claim process and standards. The Surveyors, TPAs (Third Party Administrator) are of top class so that the company is able to provide a hassle free claim service.
Contact Raheja QBE Insurance
One can contact the company through the following ways to express their dissatisfaction or complaints:
1. How to pay premium? What are the modes of payment available?
Raheja QBE General Insurance Provides three major options to pay the premium
You will have to go to the bank and drop a cheque. Alternatively, login into the to the web site, find your policy, and then click on pay now button to pay online.
2. How can I check policy status for Raheja QBE home insurance?
The best way to check the details of the policy is from the website. You can login to the web site with your policy details. Click on the right policy number and get the details of the status.
3. What is the policy renewal process for Raheja QBE home insurance?
You can call directly at the help desk toll free number and inquire about the auto renewal process. You will get a call from the company and once you verify your policy details, your account will be debited, or you will get an auto renewal activated in your profile.
4. What is the company’s process to settle claim for Raheja QBE home insurance?
The company settles the claim within 7 days of the claim. After you file in the claim, an officer will investigate the entire matter and will settle the case. You can put the claim on the web site and on the toll free number.
5. What is the policy cancellation process for Raheja QBE home insurance?
The policy can easily be cancelled online or by calling toll free number. You will get a call from the company about documentation and the agent will visit your location to confirm the cancellation. After all the formalities, you will get an intimation letter regarding cancellation.