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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.

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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.

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