Raheja QBE Car Insurance

Company Profile

Raheja QBE is a general insurance company that offers some very good car insurance plans too. The company is a joint venture between Australia's QBE Insurance and India’s Ramjan Raheja Group. It is an old and established name in the motor insurance sector ever since its launch in 2007. Headquartered in Mumbai, Raheja QBE has some very attractive motor insurance policies in place.

A company that believes in working with a lot of ethical practices, Raheja QBE Car insurance has always maintained the ‘customer-first’ approach. There is complete transparency in all the princesses such as buying and selling of the insurance products, the structuring of the clauses, the payment, etc. As a result, the company has over 11 lakh happy and satisfied customers who greatly benefit from their motor insurance covers.

The company has several four-wheeler motor insurance plans that you can choose from. You have the basic third party liability plan, the comprehensive plans and the personal accident plans. You can choose the type of plan based on your needs and requirements.

List of Raheja QBE car Insurance Plans

The Liability only - Private Car Policy is a very good and useful basic third party car insurance plan from Raheja QBE Car Insurance.

Key Features

• Cover available for damage to a third party’s vehicle or property.
• Cover available for bodily injury to a third party or for a third party’s death involving your vehicle.
• Cover available for legal liabilities of the policyholder following a road accident.
• Personal accident cover of INR 2 lakhs.

This is a comprehensive car insurance plan that offers a whole lot of covers. From getting the third party expenses to being able to claim for the damages to your own vehicle, the Private Car Package Policy has some very useful features.

Key Features

• You remain covered for any damage to your own vehicle.
• Coverage against theft of the car
• Coverage is available if the car is damaged due to natural calamities such as floods or earthquakes.
• Coverage is available when the car is damaged due to man-made issues such as riots.
• Coverage is available for damages sustained to the car after a road accident.
• All third party covers are included in this policy.
• An in-built personal accident cover is available in this plan.

This is another comprehensive plan from Raheja QBE car insurance. It helps you to keep your vehicle, yourself and the third party secured.

Key Features

• This plan offers comprehensive coverage against all kinds of damages caused to your own car such as fire damages, damages due to floods, damages due to riots, theft, etc.
• You get compensated if your car is damaged in a road accident.
• You also get third party liability protection with the Private Car Policy - Bundled cover.
• There are many riders to choose from when you buy this Raheja QBE insurance car cover.

• The plans are available online and you can buy them instantly with just the click of a few buttons.
• The Raheja QBE car insurance company has a simple and straightforward claim process which makes it easier for you to get the claim.
• There are over 5000 network garages spread across the country.
• You can choose from many attractive riders when you buy the Raheja QBE insurance plans. These include the consumables protection rider and the engine protection rider, among others.
• The Raheja QBE car insurance renewal process is also very simple, making it highly convenient for you.
• The company has a claim settlement ratio of 86%, which is quite impressive.

Third-party Insurance

• Call up the insurance provider and inform them about the accident.
• Lodge an FIR in the nearest police station.
• Submit the documents including a copy of the FIR, the policy documents and the claim form.
• The Motor Accident Claims Tribunal (MACT) will register the case and probe it. Then, the compensation amount will be decided.
• Thereafter, Raheja QBE car insurance will directly pay the third party on your behalf.

Comprehensive Insurance

• Cashless claim:

  • To get a cashless claim, you first need to inform the insurance provider of the accident and tell them where it happened. You can directly call Raheja QBE at 1800-102-7723. After listening to your complaint, they will provide a claim registration number to you.
  • Once you visit a network garage, a surveyor from Raheja QBE car insurance will reach the spot and assess the damages. You will have to show your vehicle to the surveyor and also hand over all the required documents to him. These include-
    • A properly filled claim application form
    • The FIR copy, if applicable
    • Original bills and receipts, if any
    • If the car was stolen, then you need to provide the No Trace Report
    • Policy document
  • Once the approval for a cashless claim is received, the car is sent to get the repair done. The insurance provider will then settle the bill amount directly with the garage.

• Reimbursement:

  • Call the insurer and inform them about the accident and impending repairs. Obtain the claim registration number from them.
  • The surveyor will visit you and assess the damages. Hand over the documents such as the claim form, policy documents, etc to the surveyor.
  • Take the car to the garage of your choice and get it repaired.
  • Pay the bills out of your own pocket.
  • Send all the bills in original, along with a copy of the claim form and a copy of your policy papers to the insurance provider.
  • If everything is in place, the claim amount should reach you within a fortnight.

• Any accident that happened due to drunk driving.
• Any accident that happened due to rash driving or due to illegal activity (road rage, breaking a traffic signal, etc).
• No claim can be made on a lapsed policy.
• Delay in initiating Raheja QBE about the accident.
• The car was repaired at a garage without prior information of the insurance company
• Improper documentation

It is very easy to buy a Raheja Car Insurance plan on Coverfox. All you have to do is enter your requirements and personal details. Then, scan all the results you get and choose the Raheja QBE car insurance plan. Pay the premium online and the policy will be issued to you instantly.

Coverfox is a one-stop solution for all your insurance needs. From calculating the premium to getting information about the various insurance products to actually finding the best quotes, you can do it all on Coverfox. The portal is very modern and user-friendly, making it extremely simple for you to find and buy the best car insurance cover for your two-wheeler. You can also read the Raheja QBE car insurance reviews and then make an unbiased decision.