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Raheja QBE Comprehensive Car Insurance
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Raheja QBE is a Joint venture between the Raheja Group and QBE Insurance, Australia’s second-largest general insurer. The combination of both groups has demonstrated exceptional success. Raheja QBE’s aim is to create and facilitate the most conducive environment for consumers and partners in the insurance sector. Keeping this aim in mind, the company offers comprehensive car insurance, which is a complete protection policy that keeps your car covered from all mishaps. Let’s check out the Raheja QBE comprehensive car insurance policy.
How does Raheja QBE Comprehensive Car Insurance Policy Work?
The Raheja QBE comprehensive policy is one that covers your car against damage sustained by your own vehicle as well as third-party liabilities. Thus, as its name indicates, it is a comprehensive policy. Raheja QBE General Insurance offers a comprehensive policy known as the private car package policy, which covers the car insurance policyholder’s against damages as well as liabilities incurred by third parties.
Raheja QBE Comprehensive Car Insurance Vs Third Party Car Insurance
| Basis | Comprehensive Car Insurance Policy | Third Party Car Insurance Policy |
| What is it? | This provides the full cover for a car and apart from covering the cost of the third party it also covers the damages done to your car. | Third-party insurance is the most basic car insurance that one could get. It only covers any harm executed to the third-party person/vehicle/property. |
| Coverage | The comprehensive car insurance provided by Raheja QBE insures your car against both its own damages as well as third-party liabilities. | The Raheja QBE third party car insurance only provides coverage against third party liabilities, which means that the policyholder will not be liable for third party injury/death or property damage. |
| Necessity | Optional to buy. | Mandatory to buy. |
| Customization | In addition to the basic policy, there are a number of add-ons that can be included, such as zero depreciation cover, engine and gearbox coverage,etc | This policy cannot be customized via add-on covers. |
| Cost of the insurance policy | Raheja QBE comprehensive car insurance is more costly than its third-party cover because it gives broader coverage. | Raheja QBE's third party policy has a fairly lower recompense due to the fixed coverage. |
Raheja QBE Comprehensive Car Insurance Vs Third Party Car Insurance
| Basis | Comprehensive Car Insurance Policy | Third Party Car Insurance Policy |
| What is it? | This provides the full cover for a car and apart from covering the cost of the third party it also covers the damages done to your car. | Third-party insurance is the most basic car insurance that one could get. It only covers any harm executed to the third-party person/vehicle/property. |
| Coverage | The comprehensive car insurance provided by Raheja QBE insures your car against both its own damages as well as third-party liabilities. | The Raheja QBE third party car insurance only provides coverage against third party liabilities, which means that the policyholder will not be liable for third party injury/death or property damage. |
| Necessity | Optional to buy. | Mandatory to buy. |
| Customization | In addition to the basic policy, there are a number of add-ons that can be included, such as zero depreciation cover, engine and gearbox coverage, etc. | This policy cannot be customized via add-on covers. |
| Cost of the insurance policy | Raheja QBE comprehensive car insurance is more costly than its third-party cover because it gives broader coverage. | Raheja QBE's third party policy has a fairly lower recompense due to the fixed coverage. |
How to Buy Raheja QBE Comprehensive Car Insurance Policy
Here is how comprehensive Raheja QBE car insurance seekers can buy it online:
- Visit the official website of Raheja QBE car comprehensive insurance.
- After entering the portal, provide necessary details like name, address, contact number, details of the vehicle, etc.
- After that, provide your KYC documents.
- Choose the policy and get a quote for your Raheja QBE comprehensive four-wheeler insurance policy.
- Pay the premium.
- Your insurer will mail the details of the policy you bought.
What All is Included in Raheja QBE Comprehensive Car Insurance Policy?
Raheja QBE comprehensive policy furnishes reimbursement for accidental loss or injury to your car inflicted by any of the following:
- Theft: Car damage by theft or burglary.
- Fire: Harm of insured car due to events like fire, self-ignition, or explosion.
- Manmade Acts: Cars that are wrecked because of assaults, riots, terrorist acts, etc.
- Natural Calamities: Loss due to earthquakes, landslides, rockslides, etc.
- Third-party Liability: Third-party liabilities, like death, injury, and property damage suffered by third parties.
- External Means: Own damage to the insured car because of casualty by external means.
- Whilst in Transit: Damages to the insured car during in transit via road, rail, airway, or waterway.
What All is not Included Under Raheja QBE Comprehensive Car Insurance Policy?
- Depreciation: Normal tear and depreciation of the insured car.
- Breakdown: Casualties occurring because of mechanical and electrical deterioration.
- Invalid Driving Licence: Casualties suffered when the person is steering without a legal driving licence.
- Drunk Driving: Casualties happen when the driver is under the effect of alcohol.
- War: Any causalities happened because of riots, civil war, or nuclear perils.
- Contractual Liability: Casualties happened due to contractual liabilities of the insured car.
- Usage Limitations: Causalities happen when the insured car is being used for a purpose other than selected in the policy documents.
Raheja QBE Comprehensive Car Insurance Policy Benefits
- The insurance covers the expenses incurred for compensating third-party liability.
- It covers the damages sustained by the insured vehicle.
- Many add-ons are available to enhance this insurance coverage.
- Quick claim settlement process with wide network of cashless garages.
- Readily available customer support.
Raheja QBE Comprehensive Car Insurance Policy Review
The achievement record of Raheja QBE four-wheeler comprehensive insurance makes it highly exceptional. They have generated a buzz in the international market with their accomplishments and knowledge in providing the best services. It possesses a talented team of expert underwriters and portfolio managers that are toiling heavily to fulfill all the standards. It works towards offering customer satisfaction.
Add ons for your Car Insurance
Raheja QBE Comprehensive Car Insurance FAQs
1. What are the different add-ons provided by Raheja QBE under its comprehensive policy?
An add-on increases the range given by an insurance policy. Under Raheja QBE comprehensive car insurance policy, the buyers can select among numerous add-on covers like loss of accessories, roadside assitance, engine protection, zero depreciation and so on.
2. How can I contact Raheja QBE car insurance to buy comprehensive insurance?
The customer can easily contact Raheja QBE on toll-free number- 1800 102 7723, or on +91 70453 59601 to buy comprehensive insurance. You can also write to the insurance company at info@rahejaQBE.com.
3. For how long does my Raheja QBE comprehensive car insurance remain valid?
The existence of your Raheja QBE comprehensive car insurance policy relies on its tenure – 1 year, 3 years or 5 years.