Raheja QBE car insurance is a motor insurance policy that financially protects your car against damage and legal liabilities arising from its use. It offers options like comprehensive, third-party, and own-damage covers, giving flexibility based on your needs while ensuring reliable car insurance for different situations.
Raheja QBE General Insurance Company Limited was established in 2007 as a joint venture between the Rajan Raheja Group (Prism Johnson Ltd.) and QBE Insurance Group, Australia. The company is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration Number 141 (Non-Life Insurance category).
In terms of recognition, Raheja QBE has received awards such as the “Best New Product or Service Award” at the National Awards for Marketing Excellence 2020, highlighting its innovation in insurance solutions.
| Feature | Details |
|---|---|
| Network Garages | 1,300+ cashless garages across India for easy repairs |
| Personal Accident Cover | Up to ₹15 lakh cover for owner-driver in case of death or disability |
| Own Damage Cover | Covers damages due to accidents, theft, fire, and natural calamities |
| Third-Party Liability | Covers injury, death, and property damage to third parties |
| Zero Depreciation Add-on | Full claim amount without depreciation deduction on parts |
| Number of Claims | Unlimited comprehensive and zero depreciation claims (as per policy terms) |
| Cashless Claims | Facility available at network garages with direct insurer payment |
| One Click Claim Settlement | Quick claim process via RQBE QUICK live streaming app |
| Add-on Covers | Options like engine protect, consumables, key protect, tyre cover, and daily conveyance |
| No Claim Bonus (NCB) | Discount on premium for claim-free years |
| Claim Settlement Support | Dedicated claims team with digital updates and assistance |
Note: Features and benefits may vary depending on the specific policy type and add-ons selected.
This is a comprehensive policy that covers both own damage (accidents, theft, fire, natural and man-made calamities) and third-party liability, offering all-around protection for your car.
Designed for new cars, this policy combines own damage cover with long-term third-party insurance, ensuring extended compliance and protection from day one.
This policy covers damage to your own vehicle only, including accidents and theft, and is suitable if you already have a separate third-party policy.
A mandatory cover that protects against legal liabilities arising from injury, death, or property damage to third parties caused by your car.
A multi-year comprehensive plan that provides both own damage and third-party coverage for an extended duration, reducing the need for annual renewals.
This policy offers long-term third-party liability coverage, typically for new vehicles, in line with regulatory requirements.
Own Damage Cover
Loss or damage to your vehicle due to accidents, fire, explosion, self-ignition, theft, burglary, riot, strike, or natural calamities
Third-Party Liability
Legal liability for injury, death, or property damage caused to a third party
Personal Accident Cover
Compensation for the death or disability of the owner-driver during an accident
Accessories Coverage
Damage to insured vehicle accessories (if included in the policy)
Transit & External Risks
Coverage for damage caused by external, accidental, violent means as per policy terms
Normal wear & tear and ageing of the vehicle
Depreciation or consequential losses
Mechanical or electrical breakdowns
Driving outside permitted usage (e.g., commercial use of a private car)
Driving without a valid licence
Driving under the influence of alcohol or drugs
War, mutiny, or nuclear risks
Pre-existing damages before the policy starts
Note: Coverage is always subject to specific policy terms, conditions, deductibles, and add-ons selected.
Raheja QBE offers a set of add-on covers (as per its official policy pages and documents) to enhance your base car insurance coverage:
Covers the depreciation on replaced parts, ensuring you get full claim value without deduction on parts (except limited items like tyres/batteries).
Covers damage to engine, gearbox, and internal parts caused by water ingression or oil leakage - typically not covered in standard policies.
Pays for consumables like nuts, bolts, engine oil, lubricants, etc., which are otherwise excluded from standard insurance.
Covers the cost of replacing lost or stolen car keys, including lock replacement in case of break-ins.
In case of total loss or theft, it pays the original invoice value (including road tax and registration) instead of the depreciated IDV.
Provides a daily allowance for alternate transport if your car is under repair for more than a specified period.
Covers loss or damage to personal items inside the car during an accident (excluding valuables like cash/jewellery).
Covers repair or replacement of tyres, tubes, and rims, even if the car itself is not damaged.
Protects your No Claim Bonus even if you make a claim during the policy period.
Note: Availability of these add-ons may vary based on the policy type (comprehensive or standalone own damage) and insurer terms.
Buying or renewing Raheja QBE car insurance through Coverfox is quickly and completely online, allowing you to compare plans and customise coverage in minutes. Steps to Raheja QBE Buy Car Insurance:
Visit the Coverfox website and go to the Car Insurance section
Enter your car details (registration number, model, variant, etc.)
Click on Get Quotes to view plans from multiple insurers, including Raheja QBE.
Select Raheja QBE Car Insurance from the drop-down list of insurers.
Compare policies, select coverage type and add-ons as per your needs
Make the online payment, and your policy is issued instantly via email
Raheja QBE offers access to 1,300+ cashless garages across India, making it convenient to get your car repaired without upfront payment at network workshops.
To locate a nearby cashless garage or branch, you can visit the official Raheja QBE website and use their “Garage Locator” tool. Simply enter your city or pin code, and the tool will display a list of authorised garages along with their contact details and addresses.
Find the Raheja QBE Cashless Garage Locator
18001027723
customercare@rahejaqbe.com
Raheja QBE General Insurance Company Ltd
Fulcrum, 501 & 502, A Wing, 5th Floor,
International Airport Project Road, Sahar,
Andheri East, Mumbai - 400059
Disclaimer: * Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.
Yes, you can switch to Raheja QBE at the time of renewal by purchasing a new policy with them, while retaining benefits like No Claim Bonus (NCB) as per guidelines.
Yes, roadside assistance is available as an add-on cover, offering services like towing, minor repairs, and emergency support.
Raheja QBE provides personal accident cover up to ₹15 lakh for the owner-driver as per IRDAI norms and policy terms.
Yes, changes such as updating details, adding/removing add-ons, or correcting information can be done through policy endorsement.
While renewal should ideally be done before expiry, insurers typically allow a short grace period, but coverage is not available during this time.
If you miss the renewal date, the policy lapses; you can still renew within a limited period, but vehicle inspection may be required and NCB may be impacted.
Yes, you can cancel the policy. A refund is provided on a pro-rata basis if no claims are made; otherwise, charges may apply.
Yes, Raheja QBE offers insurance for used or second-hand cars, subject to vehicle inspection and underwriting conditions.
You can download your policy by logging into the insurer’s website or accessing it via your registered email or customer portal after purchase/renewal.
You should ensure safety first, inform the insurer immediately, avoid moving the vehicle (if possible), take photos, and file an FIR if required, before initiating the claim process.
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