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Raheja QBE Bike Insurance is a two-wheeler insurance product offered by Raheja QBE General Insurance that helps protect motorcycles and scooters against accidents, theft, natural disasters, and third-party liabilities. Available as third-party, own-damage, and comprehensive plans, the policy provides extensive coverage along with benefits such as cashless repairs at network garages, personal accident cover, quick claim assistance, and convenient policy servicing. With flexible coverage options and easy renewals, it helps riders enjoy greater peace of mind and financial security on the road.
Raheja QBE Two Wheeler Insurance is offered by Raheja QBE General Insurance Company Limited, a private general insurer that commenced operations in India in 2008 after being incorporated in 2007. The company operates under IRDAI Registration Number 141 and was established as a joint venture between Prism Johnson Limited of the Rajan Raheja Group and QBE Insurance Group, Australia. Through its bike insurance products, the insurer provides financial protection against accidents, theft, natural calamities, and third-party liabilities for two-wheeler owners across India.
1300+ Network Garages: Access to cashless repairs across authorised garages in India.
24×7 Claim Assistance: Round-the-clock support for claim registration and assistance.
Personal Accident Cover: Coverage of up to ₹15 lakh for the owner-driver.
Third-Party Property Damage Cover: Up to ₹1 lakh coverage.
No Claim Bonus: Up to 50% discount for five consecutive claim-free years.
Policy Variants: Third-Party, Standalone Own Damage, and Comprehensive Bike Insurance.
Pay As You Drive Add-on: Allows policyholders to customise coverage based on vehicle usage.
Cashless Claim Facility: Repairs can be availed without upfront payment at network garages.
Instant Policy Issuance: Digital policy issuance with minimal documentation.
Online Renewal Facility: Quick renewal process without physical paperwork.
Coverage Against Theft and Accidental Damage: Protection against theft, accidents, fire, and insured perils.
Natural and Man-Made Calamity Cover: Covers losses due to floods, cyclones, riots, strikes, and similar events.
Raheja QBE Bike Insurance offers different policy options to suit varying coverage needs, ranging from mandatory third-party protection to comprehensive coverage for your two-wheeler.
This policy covers legal liabilities arising from third-party bodily injury, death, or property damage caused by the insured two-wheeler. It fulfils the mandatory insurance requirement under the Motor Vehicles Act.
The Standalone Own Damage Policy covers damages to the insured bike resulting from accidents, theft, fire, natural calamities, riots, strikes, and other insured events. It can be purchased only if the vehicle already has a valid third-party insurance policy.
The Raheja QBE Two Wheeler Package Policy combines third-party liability cover and own damage protection under a single policy. In addition to covering accidental damage, theft, fire, natural calamities, and third-party liabilities, the policy can also be enhanced through optional add-on covers such as Pay As You Drive, depending on policy availability.
Fire and Explosion: Covers damage caused by fire, explosion, self-ignition, and lightning.
Theft Cover: Covers loss arising due to burglary, housebreaking, or theft of the insured vehicle.
Riot and Strike: Covers damages caused by riots, strikes, and malicious acts.
Natural Calamities: Covers losses due to flood, cyclone, storm, typhoon, inundation, hailstorm, earthquake, landslide, and rockslide.
Accidental Damage: Covers damages arising from accidental external means.
Terrorism Cover: Covers loss or damage caused by terrorist activities.
Transit Damage: Covers damages while the vehicle is being transported by road, rail, inland waterways, lift, elevator, or air.
Third-Party Liability: Covers legal liability arising from death, bodily injury, or property damage caused to third parties.
Owner-Driver Personal Accident Cover: Provides compensation for death, permanent disability, loss of limbs, or loss of eyesight.
Towing Charges: Covers protection, removal, and towing expenses up to ₹300 per accident.
Normal wear and tear.
Depreciation of vehicle parts.
Mechanical breakdown.
Electrical breakdown.
Consequential losses.
Damage to tyres and tubes unless the vehicle is damaged simultaneously.
Theft of accessories unless the entire vehicle is stolen.
Driving under the influence of alcohol or drugs.
Driving without a valid driving licence.
Usage outside the geographical area specified in the policy.
Losses arising from contractual liabilities.
War, invasion, civil war, rebellion, and military operations.
Nuclear risks and radioactive contamination.
Additional damage caused by continuing to drive a damaged vehicle.
Zero Depreciation Cover
Return to Invoice Cover
Consumable Expenses Cover
Helmet Cover
NCB Retention Cover
Engine Protector Cover
From the wording, we can even extract specifics:
Covers depreciation deducted on replaced parts.
Available for a specified number of claims during the policy period.
Not applicable for theft or total loss claims.
Pays the difference between IDV and invoice value in total loss or theft cases.
Covers first registration charges, road tax, and insurance cost.
Covers replacement cost of damaged helmet due to an accident.
5% deductible subject to a minimum of ₹100.
Retains existing NCB after one approved accidental claim.
Not applicable for Total Loss or Constructive Total Loss claims.
Covers consequential damage to:
Applicable in cases of water ingress or lubricant leakage.
Raheja QBE Bike Insurance combines a wide range of coverage benefits with practical add-on options, making it suitable for riders looking for enhanced protection beyond a standard two-wheeler policy.
1300+ Network Garages: Access cashless repairs across a wide network of authorized garages across India.
Multiple Coverage Options: Choose from Liability Only, Standalone Own Damage, and Two Wheeler Package Policy plans.
Six Add-on Covers: Enhance protection with Zero Depreciation, Return to Invoice, Engine Protector, Consumables Cover, Helmet Cover, and NCB Retention.
NCB Benefits up to 50%: Earn premium discounts for consecutive claim-free years.
24×7 Claim Assistance: Dedicated support for claim registration and assistance.
Digital Policy Services: Buy, renew, and manage your policy online with minimal paperwork.
Buying a Raheja QBE Bike Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and receive your policy instantly.
Step 1: Enter Your Bike Details
Provide your bike registration number or enter details such as make, model, variant, registration year, and city.
Step 2: Compare Raheja QBE Plans
Review the available Raheja QBE bike insurance plans, coverage options, premiums, and policy benefits.
Step 3: Select the Coverage Type
Choose between Liability Only, Standalone Own Damage, or Two Wheeler Package Policy based on your insurance needs.
Step 4: Add Optional Covers
Enhance your policy with add-ons such as Zero Depreciation, Engine Protector, Return to Invoice, Consumables Cover, or NCB Retention.
Step 5: Review and Make Payment
Verify the policy details, enter the required information, and complete the payment through the secure online payment gateway.
Step 6: Receive Your Policy Instantly
After successful payment, the Raheja QBE Bike Insurance policy is issued digitally and sent to your registered email address.
Customer Care Number: 1800 102 7723
Customer Care Timings: Monday to Saturday, 9:00 AM to 8:00 PM
Email Support: customercare@rahejaqbe.com
Claim Assistance: Available through the toll-free helpline and email support.
Grievance Redressal Email: complaintsofficer@rahejaqbe.com
Senior Citizen Helpline: +91 22 69155051
Official Website: www.rahejaqbe.com
Head Office: Andheri East, Mumbai, Maharashtra.
Raheja QBE Bike Insurance is a two-wheeler insurance product that provides coverage against accidents, theft, natural calamities, and third-party liabilities.
Raheja QBE offers add-ons such as Zero Depreciation Cover, Return to Invoice Cover, Engine Protector Cover, Consumables Cover, Helmet Cover, and NCB Retention Cover.
Yes, the policy covers theft of the insured two-wheeler under the Two Wheeler Package Policy, subject to the policy terms and conditions.
Yes, policyholders can avail cashless repairs at over 1,300 authorised network garages across India.
Yes, you can transfer your existing No Claim Bonus from another insurer while renewing or purchasing a Raheja QBE bike insurance policy.
You can reduce your premium by maintaining a claim-free record, opting for a voluntary deductible, installing an ARAI-approved anti-theft device, and transferring your No Claim Bonus.
Roadside assistance may be available as an optional add-on, depending on the policy selected. Please check the policy schedule for availability.
Yes, Raheja QBE bike insurance can be purchased for newly purchased motorcycles and scooters.
The premium depends on factors such as the bike's make and model, age, Insured Declared Value (IDV), registration location, coverage type, add-ons selected, and No Claim Bonus.
You can renew your Raheja QBE bike insurance policy online through Coverfox by entering your policy or vehicle details and selecting the renewal option.
Yes, policyholders can download their policy documents online after purchase or renewal.
Raheja QBE offers discounts through No Claim Bonus benefits, voluntary deductibles, anti-theft device installation, and membership of recognised automobile associations, wherever applicable.
