Raheja Qbe Car Insurance

Raheja QBE General Insurance is a joint venture between Rajan Raheja Group and QBE Insurance Group, which is one of Australia's largest international general insurance groups. Established in 2007, Raheja QBE played on international expertise as they made their mark on the Indian insurance market. Raheja QBE offers general insurance products like Motor, Health, Travel, Home, and Business Insurance.

About Raheja QBE Car Insurance

Raheja QBE offers general insurance products from which car insurance is one of the popular products in the market. Raheja QBE car insurance offers own damage policy, third-party liability policy, and comprehensive car insurance. The insurance policy comes with the benefit of 2,000+ network garages spread across the country allowing customers to get the claim settled in a much more convenient way.

Key Features

The key features of Raheja QBE car insurance are as mentioned below:

• Mandatory Personal Cover: Raheja QBE offers compulsory personal cover for the owner of the vehicle. This cover covers the medical expenses for the owner's treatment if they get injured in an accident.
• Reliable Insurer: Raheja QBE comes with an international reputation as QBE is one of the largest global general insurers. It makes the insurer more reliable and trustworthy.

Key Metrics

Eligibility To Purchase A Raheja QBE Car Insurance Plan

You need to submit a few documents to complete a purchase of a car insurance policy. These documents verify your and your car's identity. The basic documents required to buy a policy are:

• Registration Certificate or RC of car.
• Previous policy documents (if applicable)
• A Government authorised identification document (PAN/Aadhar/DL/Voter ID/Passport)

Types of Car Insurance Plans Offered by Raheja QBE

You can purchase a standalone, third-party, or comprehensive car insurance policy from Raheja QBE:

• Third-Party Car Insurance: If you have injured a person or damaged someone's property in an accident, then this policy covers the payable amount to the person or owner of the damaged property. The third-party car insurance has been made mandatory to have as per the Indian law. The rates of third-party car insurance have been standardised by IRDAI based on the engine capacity of the car.
• Stand Alone Own Damage Car Insurance (SAOD): The SAOD policy protects you from financial burden in case your car gets damaged. This policy covers the risk of damage to your car due to accidents, and natural calamities such as floods, earthquakes, and vandalism. The standalone own-damage policy is not mandatory but purchasing it is a wise choice due to the very high car repair cost which can create a financial burden.
• Comprehensive Car Insurance: This policy combines the benefits of third-party and own damage policy. It is a whole package that protects you from third-party liability and damages sustained by your car. This plan covers any injuries or damages caused to a third-party person or property, damages to your car due to accidents, floods, earthquakes, theft, and vandalism.

Add Ons Offered By Raheja QBE Car Insurance

Raheja QBE offers a total of 9 add-ons to complement their base car insurance policies. You can add these add-ons to personalise your policy by adding covers according to your requirements. Add-ons can be very crucial and enhance the protection of your car. Note that each add-on comes with a price and increases the premium.

• Zero Depreciation: Since the value of your car starts depreciating as soon as it hits the road, you have to pay for the depreciation while settling a claim in case of a base policy. With this add-on, the insurer not only pays for the repair of your car but also pays for the depreciation of the parts.
• Engine Protect: The engine protect cover protects you from bearing costly engine repair in case it sustains water damage. With this cover, the insurer will cover any damage to engine parts, gearbox, and pistol.
• Consumables Expenses: Nuts, bolts, engine oil, AC oil, etc are considered consumables that are used to repair your car. With this add-on, you won't have to pay for these consumables.
• Key Protect Cover: Raheja QBE covers the cost of repairing a lock if broken or replacing it if required.
• Loss of Personal Belonging: If your personal belongings gets lost or misplaced due to an accident or theft, the insurer will cover those items in effect to this add-on.
• NCB Retention Cover: You don't need to worry about losing your NCB with this cover. It allows you to make a claim which does not affect your No Claim Bonus.
• Return to Invoice: Usually, in case of theft or damage beyond repair, policyholders get the IDV of their vehicle. With this add-on, you will get the manufacturer's listed selling price as per your invoice along with the cost of road tax, registration, and insurance premiums paid altogether.
• Daily Conveyance Benefit: With this add-on, Raheja QBE pays for your transportation in case your car is at the garage for multiple days.
• Tyre and Rim Protector: This add-on covers the damages caused to the tires and rims without being involved in an accident.

What Is Covered and What is Not Covered?

Given below is a table that explains the coverages of the 3 types of car insurance policies offered by Raheja QBE.

How To Make A Claim For Raheja QBE Car Insurance?

To file a claim with Raheja QBE for damages sustained by your car, start by informing the insurer immediately after the damage. This ensures trust among the insurer and insured and makes the claim process quick and smooth. If there is a case of an accident, an FIR should be filed and a copy should be kept to submit to the insurer. Here are all the documents you need to submit to file a claim:

1. RC of your vehicle
2. Copy of FIR ( if applicable)
3. Policy documents
4. Copy of the Driving License of the person driving the vehicle.
5. NEFT details of policyholder along with cancelled cheque/bank passbook.

Follow the below-mentioned steps to file a claim:

Step 1: Claim Registration

To ensure your claim process moves smoothly, it is important to register the claim quickly. Contact Raheja QBE customer care to file the claim. Call on toll-free number at 022-69155050 or email them at customercare@rahejaqbe.com

Step 2: Survey And Approval

A claim manager from Raheja QBE will contact you for verification and approval. Your documents will be submitted and vehicle damage will be assessed. An inspection will be scheduled to get an estimated cost of repair. Once your claim is verified and approved, you can get your car repaired.

Note that inspection for minor damages can be done quickly online through the RQBE QUICK app which is a live streaming app of Raheja QBE.

Step 3: Repair and Payment

After getting the approval, you have to decide if yuo want to get your car repaired at a cashless garage or any other garage of your choice. If you are going for a reimbursement claim settlement then ensure that you keep the invoice safe to submit to the insurer.

Raheja QBE Car Insurance Renewal Process

Renewing an insurance policy on time is as important as purchasing one. Since the policy period is usually one year, there is always a chance of forgetting to renew. To avoid facing consequences of policy expiry like loss of NCB or reevaluation of car condition, you must renew before expiration of policy. While renewing, InsuranceDekho recommends you to explore other policies as well. Due to changing trends, buying a different policy might be more beneficial to you in comparison with renewing the previous one. To compare car insurance policies, visit InsuranceDekho. You can buy, compare and explore policies offered by different insurers. This practice enables you to make a well informed decision.

Raheja QBE Car Insurance Customer Service & Support

Raheja QBEContact Details

Here are the channels available to connect with Raheja QBE customer care:

1. 24/7 Toll-Free Number: 18001027723
2. Email: customercare@rahejaqbe.com
3. To access senior citizen support, call 18001027723 or email at seniorcitizencare@rahejaqbe.com.

InsuranceDekho Contact Details

To reach out to customer care agents at InsuranceDekho, connect on the below-mentioned channels:

1. Phone Number: +91-7551196989
2. Email: support@insurancedekho.com

Complaints & Grievance Redressal

Raheja QBE Grievance Redressal

If the response to your query is unsatisfactory or remains unanswered by customer care, then you can escalate the complaint to the grievance cell.

To escalate the issue, draft an email with a brief explanation of the matter and send it to complaintsofficer@rahejaqbe.com.

If the problem persists, then reach out to the grievance head at grievancehead@rahejaqbe.com. You should receive a response within 30 days of sending the complaint. In

In case this fails to provide a solution, reach out to an Insurance Ombudsman and present your problems.

InsuranceDekho Grievance Redressal

1. Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
2. Contact Centre: Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
3. Visit our website https://www.insurancedekho.com/contact-us