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Raheja QBE Comprehensive Car Insurance
A comprehensive car insurance policy gives you protection for your own car’s damage as well as damage caused to other people (third-party). This means it covers almost everything. Raheja QBE offers a complete plan called the Private Car Package Policy. This policy protects your car from its own damages and also covers your legal liabilities if your car harms someone else or their property.
Raheja QBE Comprehensive Car Insurance Benefits
Here are some benefits of getting comprehensive car insurance from Raheja QBE:
- 01
Covers third-party liabilities
This policy pays for any damage or injury your car causes to another person, their vehicle, or their property. It helps you avoid large expenses that you may have to pay after an accident.
- 02
Pays for damage to your own car
If your car is damaged in an accident, fire, flood, theft, or other events, the policy will help you pay for the repairs. This reduces your financial burden and keeps your car protected.
- 03
Offers many add-on covers
You can choose extra covers like zero depreciation, engine protection, roadside assistance, and more. These add-ons help you get better and stronger protection for your car.
- 04
Quick claim settlement
Raheja QBE aims to settle claims fast so you don’t face long delays or stress. You can expect smooth and simple processing when you file a claim.
- 05
Large network of cashless garages
You can get your car repaired at many partner garages without paying money up front. The insurance company directly pays the garage, making the process easy for you.
- 06
Easy and supportive customer service
Customer support is available to answer your questions and guide you whenever needed. You can contact them for help with claims, policy details, or any issues.
Motor Insurance Plans By Raheja QBE
What is Covered and Not Covered in Raheja QBE Comprehensive Car Insurance?
What it Covers
Car Theft
If your car is stolen, the insurance company will pay you the current market value of your car (IDV).
Fire Damage
If your car catches fire and gets damaged, the insurance will pay for repairing or replacing the car.
Natural Disasters
Your car is covered if it gets damaged by floods, earthquakes, cyclones, landslides, or other natural events.
Accidents
If your car is damaged in a road accident, the insurance will pay for the repair bills.
Third-Party Losses
If your car injures someone, damages their vehicle, or harms their property, the insurance will pay for it.
Man-made Events
Damage to your car due to riots, strikes, or terrorist activities is covered.
Vandalism
If someone intentionally damages your car, the insurance will pay for the repairs.
Damage During Transport
If your car is damaged while being moved by road, train, ship, or air, it is covered.
Personal Accident Cover
If the owner-driver gets injured or dies in an accident, the policy provides financial support.
What Does it not Cover
Drunk Driving
If the driver was drunk or using drugs, the insurance will not pay for any claim.
No Driving Licence
If the driver does not have a valid driving licence at the time of the accident, the claim will be rejected.
Normal Wear and Tear
Regular aging, rust, or daily use damage to the car is not covered.
Depreciation
The natural drop in the car’s value as it gets older is not covered by the policy. However, you can buy an add-on to cover this.
Mechanical or Electrical Breakdown
Failures like engine breakdown or electrical faults are not covered.
Negligence
If you knowingly drive in unsafe conditions (like deep floods) and your car gets damaged, the insurance will not pay.
Tyre or Tube Damage (without accident)
Damage to tyres or tubes alone is not covered unless it happens during an accident.
War or Nuclear Risks
Any damage caused by war, war-like events, or nuclear activities is not covered.
FAQs
It is an insurance policy that protects your car from its own damage and also covers damage caused to other people or their property.
Yes. If your car is stolen, the insurance company pays you the car’s market value (IDV).
Yes. You can buy add-ons like zero depreciation, engine protection, roadside assistance, and more. These add-ons make your coverage stronger.
No. If the driver does not have a valid licence, the claim is rejected.
Yes. You can repair your car at many partner garages without paying up front. The insurance company settles the amount directly.