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Vehicle insurance that suit your needs

Why Motor Insurance from Raheja QBE?

Motor insurance is a legally necessary part of vehicle ownership, but securing the right cover for your vehicle and its usage is as important as buying the vehicle itself.

Raheja QBE provides vehicle insurance plans created specifically with the intent to serve the needs of our customers and provide a comfortable experience. We truly believe that customers must see a value in the benefits provided and buying the right insurance plan should be as easy as 1-2-3.

Motor Insurance

Private Car

The Private car insurance offered by Raheja QBE covers your car against damage, and third party liability arising out of its use.

Two Wheeler

The two wheeler insurance offered by Raheja QBE covers your vehicle against damage and third party liability arising out of its use.

Commercial Vehicles

Commercial vehicle insurance offered by Raheja QBE covers your vehicle against damage and third party liability arising out of its use.

Compulsory Personal Accident to Owner Driver

Coverage for bodily injury or death of the owner driver in case of an unfortunate accident while the use of your vehicle.

To purchase motor third party liability insurance, click here.

As per the notification issued by the IRDAI for the financial year 2022-23, the premium rates that apply to Motor Third Party Liability Insurance with effect from 1st June 2022 click here


  • Vehicle is registered with Regional Transport Office (RTO)
  • Individual/ Corporate is registered owner of the vehicle.

Motor Insurance frequently asked questions:

Yes. It is mandatory to have a thirty party insurance cover under the Motor Vehicles Act. In India, getting your car insured is a compulsory by law, not an option. The Motor Vehicle Act of 1988 makes it mandatory for all vehicles to be covered under an appropriate insurance policy before they can play on the road. This compulsory nature of the law only protects you against third party liabilities. It’s a wise decision to buy a comprehensive cover to give your vehicle a complete protection.

The basic insurance covers offered are as follows:

  • Liability Only Policy: This policy covers the liabilities towards the third parties as per Motor Vehicles Act. Motor Vehicles Act makes this cover a mandate for any vehicle to ply on Indian roads.
  • Package Policy: Comprehensive package policy not only covers the liability towards third parties but their own damage as well. Own damage to the insured vehicle means loss or damage to the vehicle insured, by specified perils, is also covered subject to the value declared and other terms and conditions in the policy.
  • Bundled Policies for New Vehicle:
    • Private Cars: 1 year of own damage + 3 years of third party
    • Two Wheelers: 1 year of own damage + 5 years of third party
  • Long Term Package Policies for New Vehicle:
    • Private Cars: 3 years of package (own damage and third party)
    • Two Wheelers: 5 years of package (own damage and third party)
  • Standalone Own Damage Policy for Private Cars & Two Wheelers
  • Long Term Liability only policies for new vehicles:
    • Private Cars: 3 years of liability policy
    • Two Wheelers: 5 years of liability policy

In motor insurance, No Claim Bonus, as the name suggests, is the insurer's reward to the policyholder for not making a claim in the preceding years. NCB discount ranges from 20% to 50% on the own damage premium. As per the schedule of tariff, NCB can be earned in its own damage section of policies covering all classes of vehicles but not on Motor Trade Policies (road transit risks / road risks / internal risks) and policies that cover only fire and / or theft risks. If, however, a claim is lodged, the NCB is lost in the subsequent policy period.

NCB is given to the insured and not to the insured vehicle. Hence, on transfer of the vehicle, the insurance policy can be transferred to the new owner but not the NCB. The new owner has to pay the difference on account of NCB for the balance policy period. The original owner can, however, use the NCB on a new vehicle purchased by him.

The NCB discount slab is applicable, if you change the insurer on renewal. You need to produce proof of the NCB earned by the way of renewal notice from the current insurer. Alternately, you can produce your original, expiring policy along with a certification that you have lodged no claims on the expiring policy. For this the proof can be in the form of a renewal notice or a letter confirming the NCB entitlement from the previous insurer.

Premium depends upon various factors. Third party liability premium rates are laid down by IRDA. The own damage coverage is left to be rated by individual insurance companies after duly filing rates with the Insurance Regulatory and Development Authority. The same is determined on following factors amongst others -- Age of vehicle ( IDV- insured declared value), discounts / loadings- appropriate bonus / loading/ discounts along with past claims experience are taken into account while calculating premium. Therefore, approach the insurance company with vehicle details for exact premium.

It is strongly recommended to renew your insurance before the expiry of the existing insurance. This keeps your vehicle insured against the risks without any break in insurance and takes care of any loss within the ambit of the policy you have. This also retains the No Claim Bonus, the hard-earned discount in premium for claim free year/s. Moreover, you are also not worried about the breach of law.

If there is a break in insurance for even a few hours, the insurance can be renewed only on physical inspection of the vehicle.

A new insurance can be obtained if the policy has already expired. The vehicle will be physically inspected by a company official or an authorized representative or agency as a break in insurance has occurred. The entitlement of No Claim Bonus will be as per rules.

Never commit this mistake. Remember, registration and insurance of the vehicle should always be in the same name with the same address. The claim is not payable otherwise. A fresh proposal form needs to be filled in. There is a nominal fee charged for transfer of insurance. Please contact the concerned insurance office for guidance on terms and conditions.

If a CNG / LPG kit is fitted in your vehicle or if you are planning to install CNG/LPG kit in your vehicle or if there is any other change in the structure/usage of the vehicle, the RTO (Regional Transport Office) where the vehicle was registered should be informed so that they make a note of the change in the registration certificate (RC) of the vehicle. The insurance company should also be informed so that the kit is covered on payment of extra premium on the value of the kit under “Own Damage” section and also under “Liability Only” section.

  • Fill up the proposal form yourself by answering all the questions correctly and duly sign it. This plays a vital role in deciding the premium and the admissibility of the claim. Incomplete or incorrect information may result in denying the claim. Therefore, never leave it to any other person to fill it up.
  • Ensure that your personal information and vehicle details are correctly recorded in the policy schedule. Make sure that every digit of vehicle registration number, engine and chassis numbers etc. are fully and correctly entered. Any error found should be immediately highlighted and rectified as endorsement, failing which might create trouble at the time of claim.
  • In case of any material change you should inform us immediately so that it can be corrected by the way of endorsement.
  • Read policy terms, conditions, particularly the exclusions etc. very carefully. They are important from the claims point of view. Remember, registration and insurance of the vehicle should always be in the same name with the same address.

Yes, you may cancel the policy midway and unused premium can be refunded on a short period basis provided alternate insurance proof is provided and there are no claims in the policy. No refund shall be processed, in the case of claim in the policy.

Refund is possible only when the insurance company cancels the policy. The refund essentially depends upon no claims and is always released on a pro rata basis. Customers must check the short rate calculations before cancelling the policy to avoid any heartburns later.

Yes, your vehicle value or insured declared value (IDV) of the vehicle will get depreciated year on year, but having a zero depreciation cover offers you 100% coverage for all the replaced parts of the car in the case of a claim due to accident without factoring in deduction for depreciation.

IDV of the vehicle is depreciated year on year to a maximum of 50% as per the age of the vehicle mentioned in the policy.

No. It covers expenses for repair and/or replacement arising out of accidental loss or damage to tyres and tubes.

Yes, claim under key replacement cover is not considered as an own damage claim, hence you are eligible for the next slab of NCB provided the claim made is for loss of key only and there is no other own damage claim.

No, cash & payment cards are excluded from the coverage.

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