Raheja QBE Home Insurance

Raheja QBE is a joint enterprise between Australia’s QBE Insurance and Rajan Raheja Group. Rajan Raheja’s Group and QBE  together make one of the most prominent General Insurance Company in India with its wide-variety of insurance plans starting from personal accident plans, health insurance plans, cattle insurance plans, Home insurance plans, domestic property insurance plans, marine insurance plans, motor insurance plans, construction and engineering plans, commercial property insurance plans, professional liability plans, workers compensation plans, etc.

Read more

Protect your house from calamities

cover starting just @ ₹80/month*

App & Website

24X7 Support

Compare Features

15+ Insurers

Dedicated Team

Easy Claims Process

**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*For 50 lakhs Structure Value

Protect your house from calamities

cover starting just @ ₹80/month*

Step 1/2
By clicking on "" you agree to our
Privacy Policy and Terms of Use
Get Updates on WhatsApp

Everybody invests their hard-earned money to build a home where they can live in peace and relax after a hectic day at work. Home is one of the most precious possessions and hence the same needs protection against any unforeseen risks and perils. Keeping this in mind, Raheja QBE General Insurance has come up with comprehensive Home Insurance Plans that protect insured the house from any man-made disasters and natural calamities. Raheja QBE home insurance policy is available in two variants i.e. Domestic Burglary Insurance and Domestic Fire Insurance. Their home insurance plans offer coverage for the insured house and the household contents.

You might be interested in

Under Personal Insurance Plans category, the Domestic Property Insurance Plans comes that protects and gives coverage to the house and its contents and is certainly a cost-efficient home insurance plan. Home Insurance Policy of Raheja QBE have two categories of plans which are as follows:

  • Raheja QBE Domestic Fire Insurance Plan
  • Raheja QBE Domestic Burglary Insurance Plan
Home insurance

Raheja QBE Domestic Fire Insurance Plan

The Domestic Fire Insurance Plan covers the Standard Fire and Special Perils Insurance which is discussed below. Additionally, the plan can be extended to cover additional perils as well with the payment of additional premium. It fireproofs your house and its assets in a comprehensive manner.

Fire and Special Peril:

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:

  • Fire and Lightening: Under this plan, loss against fire is covered as well as lightening is also covered under the plan
  • Implosion/Explosion: Coverage against loss or damage caused by fire as a result of implosion / explosion
  • Damage caused due to aircraft: Devastation, damage or loss directly to be caused by aircraft, including any other articles dropped there from except those caused by pressure waves
  • Coverage is given or allowed under the plan for the damage, destruction or losses caused by natural calamities. Some of the major are ones are storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation (optional), excluding those resulting from earthquake, volcanic eruption or other convulsions of nature are also covered under this plan
  • Impact Damage: Loss or the physical damage/ destruction must be caused to the insured property due to impact by any road, rail , vehicle or animal by direct contact which do not belong or owned by
    • Insured or the occupier of the property or
    • Insured’s employees while acting in the course of their employment.
  • Subsidence and Landslide which includes Rockslide as well: Damage, destruction or loss caused by Subsidence of part of the site on which the property stands or landslide and rockslide except:
    • Normal cracking and settlement or bedding down of new structures
    • Gradual movement and slow settlement of made up ground
    • River or Coastal erosion
    • Workmen’s defective plan and design
    • Destruction, building, maintenance or structural alterations of any property
  • Mutiny, strikes and Malicious Damage: Physical damage/loss /destruction caused by external and violent means which are caused directly to the property except:
    • Total or partial termination of work or retardation or interruption of any process or omissions
    • Permanent or temporary dispossession
    • Permanent or temporary dispossession of any building from the illegal occupation of any person
    • Burglary, theft, housebreaking, larceny or any such act by any person
  • Missile Testing Operations
  • Bursting and or spilling over of water tanks, equipment’s and Pipes.
  • The plan covers Bush fire excluding loss, damage or destruction caused by Forest fire
  • The plan also covers seepage from Automatic Sprinkler Installations

Raheja QBE Domestic Fire Insurance Plan Add-on Covers

You can enhance the coverage benefits by opting for the following add-on benefits:

  • Up to 1% and 3% of the admissible claim amount will be paid for expenses towards debris removal and architecture fees respectively
  • Impact Damage due to own vehicles, fork lifts, cranes
  • Earthquake
  • Spontaneous Combustion
  • Omission to insure additions, alterations and extensions
  • Loss of rent
  • Leakage and contamination cover
  • Terrorism damage
  • Accidental Damage
  • Waiver of underinsurance – 15%
  • Loss of land value
  • Undamaged Stock and Loss on Re-Sale
  • Fire-fighting expenses
  • Accidental Discharge of Gas Flooding Systems
  • Overflowing and leakage of Storage Tanks(except water storage tanks)
  • Stocks and Goods undergoing any drying or heating process
  • Additional customs duty (contingent)
Home insurance

Exclusions under Raheja QBE Domestic Fire Insurance

No indemnity is allowed in the following situations:

  • Fire: Under this plan, the loss against fire is not covered excluding damage or destruction caused to the property by:
    • Standard heating, own fermentation or spontaneous ignition
    • Stocks undergoing any heating or drying method
    • The explosion of boilers and machinery due to centrifugal force
    • Impact damage by vehicles belonging to the policyholder or his/her employees or any other occupier in the building
    • The plan also excludes earthquake damages
    • Total or partial cessation of work/interruption/retarding of any process or operations which arises out of the insured perils
    • Loss or damage caused to the source of fire like an electrical machine
    • Stocks which undergoes drying or heating process

How to file a claim for Raheja QBE Domestic Fire Insurance Policy?

In the event of a claim follow the below-mentioned measures and steps:

  • Firstly make sure that the employees are safe
  • Provide first-aid to those who are injured
  • Initiate the Loss minimization measures
  • intimate the Public Authorities, if it’s required
  • Call the insurer on their toll-free number i.e.1800-102-7723
  • You can also email them at claims@rahejaqbe[dot]com
  • You can also send them fax or letter
  • The insurer will depute a surveyor to carry out the survey and claim process

Raheja QBE Domestic Burglary and Housekeeping Insurance Plan

The Domestic Burglary Plan covers the loss or damage caused due to burglary and housebreaking.

Coverage under Domestic Burglary and Housekeeping Insurance Plan

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 under Raheja QBE Domestic Burglary and Housekeeping Insurance Plan

Under this plan, the following coverages are excluded:

  • The plan does not cover loss/ damage to the goods held in trust/commission, jewellery, curios, title deeds, business stocks until the same is mentioned in the plan
  • Fire/plate glass
  • By abstraction from a safe by using a key or a duplicate key, unless the same has been obtained by violence or threat
  • Loss/ damage due to shop lifting
  • Loss/ damage due to willful acts of the policyholder or his/her family members
  • Loss/ damage/ destruction caused due to war perils, riot and strike
  • Loss/ damage/ destruction due to the acts of god
  • Loss/ damage/ destruction due to the nuclear perils

Raheja QBE Health Insurance Claims

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 can provide a hassle-free claim service.

  • Clams are to be intimated immediately at the Call Centre number of the company
  • Firstly make sure that the employees are safe
  • Provide first-aid to those who are injured
  • Initiate the Loss minimization measures
  • intimate the Public Authorities, if it’s required
  • Call the insurer on their toll-free number i.e.1800-102-7723
  • You can also email them at claims@rahejaqbe[dot]com
  • You can also send them fax or letter
  • The insurer will depute a surveyor to carry out the survey and claim process
  • Provide all the documents as required
  • The following documents are needed to register a claim:
    • Policy Number.
    • Date and time of loss.
    • Location of the damaged property.
    • A brief narration or description of the incident.
    • Name and contact number of the person who will be handling the total claim

Contact Raheja QBE Insurance

  • Customers  can email at claims@rahejaqbe[dot]com

Complaints Redressal

One can contact the company through the following ways to express their dissatisfaction or complaints:

  • Send a letter to the policy issuing office
  • Customers can also send a fax to the number at +91 22 4231 3777
  • Customers  can send an email to complaintsofficer#rahejaqbe[dot]com
  • Customers can also register a complaint at the official website of the Regulators at  www.iqms.irda[dot]gov[dot]in
  • Customers can also register complaints online in the company’s official website www.rahejaqbe[dot]com 
Home insurance

Raheja QBE Home Insurance- FAQs

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 4 Reviews)

Raheja QBE Home Insurance Reviews & Ratings

4.6 / 5 (Based on 4 Reviews)
(Showing Newest 4 reviews)
Quilandy, January 18, 2021
Best Covid plan
I wanted to buy an all-inclusive COVID health plan and I went to Policybazaar.com as usual. As per my pocket, I bought the Raheja Qbe corona kavach policy . You are really helping people live a secure life by finding us suitable health insurance policies. Thank you!
Hadol, September 21, 2020
Damage cover
I have taken the raheja home insurance policy from the policybazaar and it has given me the coverage related to damage cover. Whatever the damage will take place it will be taken care by the insurance company.
Gadag, September 21, 2020
Amazing plans
I have recently bought the raheja home insurance from the website of the policybazaar. It is very good plan and better deals. Thank you team policybazaar.
Patna, May 13, 2016
Really Good
I own raheja qbe home insurance plan. The policy is great with good coverage and the claims are high. The service facilitate by the executives and the staff members is nice. The house insure from many damages and many items and belongings are also secure in the policy plan. I like the plan.