In order to drive on Indian roads, you must have automobile insurance. It also provides you with a restful night’s sleep and helps you feel less concerned about the damage to your vehicle. When your car is stolen or is destroyed in an accident, car insurance plans are meant to compensate for your losses. The financial obligation caused by the death or injury of a third party is covered by Raheja QBE automobile insurance.
According to the Motor Vehicles Act of 1988, all automobile owners in India are required to carry third-party liability insurance before driving on the road. So there’s no need to wait; just read this post and you’ll arrive at an excellent educational destination regarding Raheja QBE Car Insurance.
This all-inclusive policy covers your car from top to bottom. It safeguards your vehicle’s financial investment by protecting it from large financial losses. Not only does the insurance cover third-party responsibility, but it also covers damage to your car caused by natural and man-made disasters. It covers losses caused due to parking mishaps, road accidents, or any other mishappening that can cause damage to the car. Along with that, it protects you from the liabilities caused by the Third-party or their property. For an additional price, additional coverage can be added to the insurance.
List of best Car Insurance from Raheja QBE Car Insurance
Private car Insurance policy
Any family might face serious financial difficulties if a breadwinner is injured or becomes disabled. The Raheja QBE Personal Accident coverage can provide complete protection and peace of mind. The insurance was created to protect an insured person from bodily harm or death as a consequence of an unforeseeable accident.
Raheja QBE Commercial Vehicle Insurance
This policy covers your vehicle in its entirety. It protects the financial investment you’ve made in your vehicle by safeguarding it from severe financial loss. The insurance covers not only the mandatory third-party liability but also damage to your car caused by natural and man-made calamities. To increase the policy’s coverage, additional coverage can be acquired for a fee. The following are the add-on covers that are available: There are no accessories. Personal accident insurance for you or any other person you designate (other than employees) For salaried drivers, conductors, and cleaners, personal accident insurance is required. A paid driver, conductor, or cleaner may be held liable. Passengers who do not pay their fare are legally accountable.
- Raheja QBE Car Insurance- Reviews
Raheja QBE Automobile Insurance provides car owners with a variety of coverage options, ranging from standalone own damage and liability coverage to comprehensive insurance. It offers various premium discounts as well as a selection of add-on covers to increase coverage. In addition, during the 2018-19 fiscal year, the corporation has a high incurred claim ratio. Auto owners who want comprehensive coverage and a positive claims experience may consider the Raheja QBE car insurance plan.
Exclusion of Raheja QBE Car Insurance
There are a few exceptions regarding QBE car insurance. If your car gets damaged, then your insurance will not pay for the damage. Here is the reason when the insurer is not liable to pay the money:-
- Normal wear and tear damage to the vehicle.
- Normal use of the vehicle. If you use it for things it’s not supposed to be used for, then you will be responsible for any problems that might happen.
- If you use the vehicle for illegal things, then you will be responsible for any problems that might happen.
- If you use the vehicle after you have been drinking or using drugs, then you will be responsible for any problems that might happen.
- If you use the vehicle after you have lost your driving license, then you will be responsible for any problems that might happen.
- If you use the vehicle after you have lost your license, then you will be responsible for any problems that might happen.
- Person must have driving License. If thats not the case then company is not liable to pay for the insured amount.
- If a car is used in a way that is not stated in the schedule, it is not insured. If a car is used for something nuclear, it is not insured. If a car is used for something else, it is not insured.
When the insurance company will pay for the Car insurance
- If a driver of a car dies or is injured, or if a passenger dies, or is injured, then the insurance company will pay for it.
- If a person who is driving a car for their job dies or is injured, then the insurance company will pay for it.
- If a person dies or is injured, in a car that is owned by their job, then the insurance company will pay for it.
- If a person is injured or dies, while getting into, out of, or While riding in a car, then the insurance company will pay for it.
- If a person is injured, or dies, while working on a car, then the insurance company will pay for it.
Raheja QBE Car Insurance- Customer Care Numbers / Contact details
Raheja QBE General Insurance is dedicated to providing excellent customer service. You may contact our customer service staff for answers to your questions and assistance with auto insurance using the following contact information:
The number for a Toll-Free Helpline is – 1800-102-7723
Email address is [email protected]
Customer Service Contact Information:-
QBE General Insurance Ltd. Raheja Procter and Gamble Plaza, Ground Floor, Cardinal Gracious Road, Chakala, Andheri East, Mumbai, Maharashtra 400099
Documents Required For Raheja QBE Car Insurance
For Personal Injury Claims
- The policy copy serves as evidence of coverage.
- Tax receipt and a copy of the registration certificate.
- Motor driving clone At the time of the collision, the person operating the car had a valid driver’s license. In the event of third-party property damage, death, or bodily harm, file a pachamama / FIR.
- After the service is finished, repair bills, invoices, and payment receipts.
- Details about the insured’s NEFT account, as well as a cancelled check or bank passbook.
Documents sent using NEFT
- Name and IFSC code data on a voided check.
- Copy of a bank statement or a passbook
- Photo identification is required.
- Copies of PAN cards
- Proof of address is required.
- KYC paperwork in accordance with AML/KYC regulations.
- If the claim amount exceeds one lakh, KYC papers are required.
For Claims of Theft
- This is the original policy paper.
- Original registration book/certificate, as well as receipt for tax payment.
- All original keys, service handbook, and warranty card are included.
- Invoice for the purchase.
- FIR / Punchnama / Police Panchnama
- Final investigative report/non-traceable report by the police.
- A copy of the letter informing the RTO of the theft has been acknowledged.
- Subrogation letter.
- Indemnification letter.
- Consent from both you and your lender on a claim settlement value.
- If the claim is to be settled in your favour, you must present a letter of authorization from the funder.
Benefits and features of Raheja QBE Car Insurance
- Get access to a vast network of cashless garages.
- There’s a 50% discount if you don’t claim.
- Add Covers and customize your policy with optional add-ons. For an extra fee, choose from a variety of smart rider alternatives.
- Call 1800-123-4003 for guaranteed 24-hour customer service for any policy-related questions or to report a claim.
- After receiving all papers, a decision on claim acceptance is made within 7 working days.
- Different types of automobile insurance are available to meet the demands of policyholders.
- In nearly 1,300 cashless garages, claims are settled without cash.
- Third-party property/vehicle damage insurance, as well as injury insurance in the event of an accident.
- Any loss or damage caused by a collision with another vehicle, an animal, or a structure.
Why Choose Raheja QBE Car Insurance?
Third-party vehicle insurance, standalone own-damage car insurance, and comprehensive car insurance are some of the automobile insurance products offered by Raheja QBE. These plans are designed to cover the financial obligations to third parties for bodily injury or property damage caused by your automobile, as well as compensation for loss or damage to your car caused by accidents, theft, fire, natural disasters, and human-caused calamities.
In addition to these coverages, the insurer provides coverage for the owner-physical driver’s harm or death in the event of an unfortunate accident while driving your automobile. Multiple add-ons are available to automobile insurance customers who want to increase the coverage of their standalone own-damage and comprehensive policies.
Raheja QBE Car Insurance with Add-On Covers
With the payment of an additional price at the time of policy acquisition, you may expand your Raheja QBE auto insurance coverage with additional coverage in the form of add-ons or riders. The following is a list of add-ons available with the Raheja QBE vehicle insurance policy:
NCB Protection: NCB stands for a no-claim bonus, which is given to vehicle insurance customers when they renew their policies if they have not had any claims in the preceding policy period. Customers who have not claimed during the preceding insurance period are eligible for a no-claim incentive.
Return to Invoice Value Protection: Return to Invoice is an optional add-on that covers the difference between the insured stated value and the invoice value of your bike, as well as registration and other taxes.
Engine Protection: An engine protector protects the insured against the cost of repairing or replacing the car’s engine due to lubricating oil leaks or water damage to the engine box. If you live in a low-lying location where there is a high risk of flooding during the monsoon season, and you drive through waterlogged terrain, your engine will break down. Your comprehensive automobile insurance coverage will not cover standalone engine damage if you don’t purchase this add-on.
Key and Lock Protection: If you lose or damage your car’s keys or lock as a result of an insured occurrence, you’ll be reimbursed for the cost of installing or acquiring a new lock or keys, or replacing your keys. In most cases of auto theft or robbery, robbers utilize duplicate keys to gain illegal access to your vehicle, damaging the lockset on your car door. This lockset has to be replaced, which is covered by the Raheja QBE auto insurance’s Keys & Locks Replacement add-on. On payment of an extra premium at the time of policy acquisition, the cost of purchasing or replacing your automobile keys would be covered by the Keys & Locks Replacement add-on.
Consumables Protection: Certain elements in your four-wheeler vehicle, such as engine oil, gearbox oil, power steering oil, coolant, AC oil, brake oil, air filter, and so on, are known as consumables. In the event of damage, certain parts could not be fixed and had to be replaced at the time of the claim. In most cases, the expense of replacing these parts in the event of an accident is not covered by your comprehensive four-wheeler auto insurance policy.
Roadside Assistance: We all need a little assistance from time to time! When your car breaks down on the road, whether due to an accident, flat tires, a faulty battery, or something else, you will have the benefit of receiving help 24 hours a day, seven days a week with our breakdown assistance add-on.
Personal Belongings: Under this add-on, the insured is compensated for the loss or damage to his/her baggage stored in the covered automobile as a result of an insured risk. Clothing, toiletries, fragrances, purses, luggage, and other everyday necessities are examples of personal baggage. Baggage insurance pays for the loss of luggage due to theft, burglary, or an accident. However, certain things, such as gold, silver, and other precious metals, are not covered, in addition to luxury items such as laptops and mobile phones.
Depreciation Protection: Depreciation is taken into account by the insurance company when settling claims. As a general rule, 10% or more of the car’s worth is depreciated each year, depending on the parts that are destroyed in an accident. The depreciation cost is the amount taken from your claim amount as a result of regular wear and tear on your vehicle over time. If the depreciation shield is added to the policy at the time of purchase, the client will be reimbursed for the depreciation cost at the time of claim settlement.
Tyre & Rim Protector: This add-on covers the repair and replacement costs for accidental tire, tube, and rim loss without causing any harm to the vehicle.
How to Purchase/Renew Raheja QBE Car Insurance?
Step 1– Visit the official website.
Step 2– Fill up the relevant information, including the RC copy, mobile number, registration date, RTO location, and email address.
Step 3– Fill up the blanks with your needed riders/coverages.
Verify your information and complete your payment.
FAQ
Q1.What are the exclusions in the personal accident policy?
Some of the major exclusions include suicide, self-injuries, natural death, pre-existing disability, childbirth or pregnancy, non-allopathic treatments, the influence of intoxicants, and suffering from any mental disorders. … No claim is paid for pre-existing injuries under a personal accident policy.
Q2.Why do I need a health insurance policy?
Health insurance provides people with a much needed financial backup at times of medical emergencies. Health risks and uncertainties are a part of life. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Q3.What is the exit age in cancer insurance policy?
Raheja Cancer Insurance Plan has self-declaration of good health required from 1-70 years.
Q4.How do I Report Mis-Selling by Raheja QBE Insurance?
The insured can register a complaint through the following modes:
Customer Support: 1800 102 7723.
Fax: 022-42313777.
You can even register your complaint online
Q5. Whom do I need to contact in case of Grievance against Raheja QBE Insurance?
Reach us at: 1800-102-7723,
Monday to Saturday from 9 AM to 8 PM,
Write to us: Raheja QBE General Insurance Company, Ground Floor, Procter and Gamble Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai, Maharashtra 400099.
If even this leaves you dissatisfied, Kindly email our Head Grievances.
Please note: If the complaint is not resolved/not satisfied/not responded within 30 days then you can approach the Office of the Insurance Ombudsman (Bimalokpal).
If you are not satisfied with the response received and need further assistance, please email our Grievance Redressal Officer
Q6.Whom do I need to contact in case of Grievance against Raheja QBE Insurance?
Reach us at – 1800-102-7723,
Monday to Saturday from 9 AM to 8 PM,
Write to us: Raheja QBE General Insurance Company, Ground Floor, Procter and Gamble Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai, Maharashtra 400099.
If even this leaves you dissatisfied, Kindly email our Head Grievances.
Please note: If the complaint is not resolved/not satisfied/not responded within 30 days then you can approach the Office of the Insurance Ombudsman (Bimalokpal).
If you are not satisfied with the response received and need further assistance, please email our Grievance Redressal Officer
Q7.How do I locate the branch address of Raheja QBE Insurance?
Hyderabad
Sabyasachi Mohanty Office No. 107, DBS Business Centre, DBS House, 43-46, Sardar Patel Road, Secunderabad – 500003 +91 9985688855
Chennai
Srinivasan Rangarajan 200/1,200/2, Rathna Complex, 1st Floor, Peters Road, Royapettah, Chennai 600 014 +91 89398 35000
Bengaluru
Nikhil Bhimani C/o – RMC Readymix (India), BCP Tower, 386, 9th Main, 7th Sector, HSR Layout, Bangalore – 560 102 +91 99860 01789
Delhi
Siddhartha Anand C/o of H & R Johnson, CC – 27, Nehru Enclave, Kalkaji, Outer Ring road, New Delhi – 110 019 +91 99994 44331
Pune
Ameya Kane Global Trade Centre, 1/1 Rambaug Colony, L.B.S Marg, Navi Peth, Pune-411 030 +91 98907 56037