{"uin":"IRDAN141RP0001V02200809","name":"Private Car Package Policy","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809","insurer":{"slug":"raheja-qbe-general-insurance","name":"Raheja QBE General Insurance Co. Ltd.","url":"https://indiainsurances.com/insurer/raheja-qbe-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2009-03-05","withdrawn_on":null,"summary":"This is a private car package policy that covers third-party liability together with loss or damage to the vehicle itself. The vehicle sum insured is the IDV, and optional add-ons include zero depreciation, return to invoice, engine protector, tyre and rim protector, pay as you drive and roadside assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:45:56.449868+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the policy period by the start and end dates in the schedule, but does not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim must be given immediately after an actual or potential loss begins, or as soon as reasonably possible. Theft must be reported to the police and insurer within 48 hours from theft, with an FIR or police acknowledgement.","display":"Immediately or as soon as reasonably possible; theft within 48 hours","note":null,"quote":"If the claim is for theft, insured should report to the police as well as insurer within 48 hours from theft and file a FIR and obtain copy of the FIR or written acknowledgment from the police authority. ... Notice of claim must be given by you to us immediately after an actual or potential loss begins or as soon as reasonably possible after actual loss or potential loss begins.","sources":[{"clause":"3(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-iii"},{"clause":"3(IV)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed & Signed claim form along with supporting documents","Registration Certificate","Policy Copy","Driving License","Claim Form","FIR or written acknowledgement from the Police Authority for theft","death certificate, post mortem report if any and certificate from hospital for disability for death or bodily injury"],"display":"Claim form, RC, policy copy, driving licence and supporting documents; FIR for theft; death/post-mortem/disability documents for injury or death","note":"The company reserves the right to call for additional documents depending on the circumstances and nature of claim.","quote":"Completed & Signed claim form along with supporting documents. Minimum documents required are as below: o Registration Certificate o Policy Copy o Driving License o Claim Form ... In the event of theft, a copy of FIR or written acknowledgement from the Police Authority. ... In the event of death claim death certificate, post mortem report if any and for bodily injury certificate from hospital for disability.","sources":[{"clause":null,"heading":"Minimum Information Required","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733#c-minimum-information-required"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"If the claim is not settled within 30 days, the insurer will pay interest at 2% above the bank rate from the date it receives the last relevant and necessary document until actual payment.","display":"Interest if not settled within 30 days from receipt of last relevant and necessary document","note":null,"quote":"In the event the claim is not settled within 30 days, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/ claimant by Company till the date of actual payment.","sources":[{"clause":"3(VII)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-vii-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","outside the Geographical Area","contractual liability","Being used otherwise than in accordance with the ‘Limitations as to Use’","Being driven by or is for the purpose of being driven by him/ her in charge of any person other than a driver as stated in the Driver’s clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear, breakdown, tyres unless vehicle also damaged, drunk/drug driving, outside geographical area, contractual liability, improper use or driver, nuclear/radioactivity and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... Being used otherwise than in accordance with the ‘Limitations as to Use’ ... Being driven by or is for the purpose of being driven by him/ her in charge of any person other than a driver as stated in the Driver’s clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-general-exceptions"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-a-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Raheja QBE through the toll-free helpline, complaintsofficer@rahejaqbe.com, or write to the Grievance Cell. The website gives the Grievance Redressal Officer details; if there is no satisfactory response within 30 days, the Insurance Ombudsman may be approached.","display":"Call 1800-102-7723, email complaintsofficer@rahejaqbe.com, or write to the Grievance Cell before approaching the Insurance Ombudsman","note":null,"quote":"Call us at toll free helpline 1800-102-7723 (9 am to 8 pm, Monday to Saturday) Email us at complaintsofficer@rahejaqbe.com Write to us at: The Grievance Cell, Raheja QBE General Insurance Co. Ltd., Fulcrum, 501 & 502, A wing, 5th Floor, International Airport project road, Sahar, Andheri East, Mumbai - 400059 ... Please visit our website at www.rahejaqbe.com to know the contact details of the Grievance Redressal Officer. ... Within 30 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievance, you may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman scheme.","sources":[{"clause":null,"heading":"Procedure of receiving services","page":41,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-procedure-of-receiving-services"},{"clause":null,"heading":"Grievance Redressal Officer","page":43,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire, explosion, self- ignition or lightning","burglary, housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm or frost","accidental external means","malicious act","terrorist activity","transit by road, rail, inland-waterway, lift, elevator or air","landslide and rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm, accidental external means, malicious act, terrorism, transit, landslide and rockslide","note":null,"quote":"I) By fire, explosion, self- ignition or lightning; II) By burglary, housebreaking or theft; III) By riot and strike; IV) By earthquake (fire and shock damage); V) By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm or frost; VI. By accidental external means; VII. By malicious act; VIII. By terrorist activity; IX. Whilst in transit by road, rail, inland-waterway, lift, elevator or air; X. By landslide and rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel on 15 days notice. If no claim has arisen, premium is returned less the company’s pro-rata portion for the time in force, subject to minimum premium retention of Rs 100, or Rs 25 for specified vehicles designed or modified for blind, handicapped or mentally challenged persons; evidence of other third-party cover is required.","display":"15 days notice; pro-rata refund if no claim, subject to minimum premium Rs 100 or Rs 25 for specified modified vehicles","note":null,"quote":"The policy may be cancelled at any time by the insured on fifteen days notice by recorded delivery and provided no claim has arisen during the currency of policy, the insured shall be entitled to a return of premium less premium at Company’s Pro-rata portion for the period the policy has been in force. Return of the premium by the Company will be subject to retention of the minimum premium of Rs 100 (or Rs 25 in respect of vehicles specifically designed/ modified for use by blind/ handicapped/ mentally challenged persons). The policy cannot be cancelled unless evidence that the vehicle is insured elsewhere for at least third- party liability cover is furnished.","sources":[{"clause":"3(d)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-d-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base wording excludes losses outside the Geographical Area but does not define the base geographical area in the clauses provided. An optional IMT extension can include listed neighbouring countries, but that is not the base territory.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["compulsory Third Party Liability together with loss or damage to the vehicle itself"],"display":"Package policy: third-party liability plus own damage","note":null,"quote":"This policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together with loss or damage to the vehicle itself.","sources":[{"clause":null,"heading":"Private Car Package Policy","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733#c-private-car-package-policy"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured, subject to the schedule limits, for legal liability from use of the vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to property not belonging to or in the custody or control of the insured.","display":"Legal liability for death or bodily injury to any person and damage to third-party property, subject to schedule limits","note":"The wording points to the schedule for the limits of liability and does not print an unlimited death or injury limit in these clauses.","quote":"Subject to the limits of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of ... death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-1"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) is deemed to be the sum insured, fixed at the commencement of each policy period on the manufacturer’s listed selling price adjusted for depreciation. It is treated as market value throughout the policy period for total loss or constructive total loss claims, and the insurer’s liability for TL/CTL is the scheduled IDV less wreck value.","display":"IDV is the sum insured, based on manufacturer’s listed selling price less depreciation; market value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the Insured vehicle. ... The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the Policy period without any further depreciation for the purpose of total loss (TL) / constructive total loss (CTL) claims. ... For total loss / constructive total loss of the insured vehicle - the Insured’s Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":null,"heading":"SUM INSURED- INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"3(a)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-a-ii"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries, 30% for fibre glass components and Nil for glass. Other parts range from Nil for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years; painting has 50% depreciation on the material cost only.","display":"Parts: 50% rubber/nylon/plastic/tyres/tubes/batteries, 30% fibre glass, Nil glass; other parts Nil to 50% by age; painting 50% on material cost","note":null,"quote":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries | 50% 2. For fibre glass components | 30% 3. For all parts made of glass | Nil ... Not exceeding 6 months | Nil Exceeding 6months but not exceeding 1 year | 5% Exceeding 1 year but not exceeding 2 years | 10% Exceeding 2 years but not exceeding 3 years | 15% Exceeding 3 years but not exceeding 4 years | 25% Exceeding 4 years but not exceeding 5 years | 35% Exceeding 5 years but not exceeding 10 years | 40% Exceeding 10 years | 50% ... Rate of Depreciation for painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB is earned only in the Own Damage section and only at renewal after the full duration of 12 months. The table gives OD premium discounts of 20%, 25%, 35%, 45% and 50% for claim-free preceding insurance periods.","display":"Own Damage NCB at renewal after 12 months: 20%, 25%, 35%, 45%, 50%","note":"The printed table repeats “preceding 2 consecutive years of insurance” in the 50% row.","quote":"No Claim Bonus (NCB) can be earned only in the Own Damage Section of the policy. An insured becomes entitled to NCB only at renewal of a policy after the expiry of the full duration of 12 months. ... All Type of Vehicles | %age of discount on Own Damage Premium No Claim made or pending during the preceding full year of insurance | 20% No Claim made or pending during the preceding 2 consecutive years of insurance | 25% No Claim made or pending during the preceding 3 consecutive years of insurance | 35% No Claim made or pending during the preceding 4 consecutive years of insurance | 45% No Claim made or pending during the preceding 2 consecutive years of insurance | 50%","sources":[{"clause":"3(f)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-f-i"},{"clause":"3(f)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-f-ii"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the Schedule or inserted in the endorsement, but the fixed amount is not printed in the clauses provided.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible can be opted under Section 1; the insured bears the first aggregate amount of voluntary and compulsory deductible for each event. Prospectus slabs are Rs 2500, Rs 5000, Rs 7500 and Rs 15000 with the stated OD premium discounts.","display":"Optional: Rs 2500, Rs 5000, Rs 7500 or Rs 15000 voluntary deductible slabs","note":"The policy wording provides blanks to insert the amount; the prospectus prints the available slabs.","quote":"It is hereby declared and agreed that the Insured having opted a voluntary deductible of Rs...................* a reduction in premium of Rs ..................... ** under Section 1 of the Policy is hereby allowed. ... If insured for a higher deductible value, discount shall be allowed as per following slab: Voluntary Deductible | Discount Rs 2500 | 20% on the OD Premium subject to maximum of Rs 750 Rs 5000 | 25% on the OD Premium subject to maximum of Rs 1500 Rs 7500 | 30% on the OD Premium subject to maximum of Rs 2000 Rs 15000 | 35% on the OD Premium subject to maximum of Rs 2500","sources":[{"clause":null,"heading":"IMT.22A. Voluntary Deductible","page":18,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-imt-22a-voluntary-deductible"},{"clause":null,"heading":"Voluntary Deductible","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733#c-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Personal Accident cover for owner-driver is stated as Rs. 15,00,000 in the prospectus. The policy pays the scale of compensation for death, specified losses and permanent total disablement, subject to the owner-driver being the registered owner, the named insured and holding an effective driving license.","display":"Owner-driver PA: Rs. 15,00,000; 100% for death or specified major disablement, 50% for one limb or one eye","note":"The policy wording says total liability shall not exceed the sum mentioned in the policy schedule; the Rs. 15,00,000 amount is from the prospectus.","quote":"Personal Accident Cover for Owner Driver for Rs. 15,00,000 ... Details of Injury | Scale of compensation i) Death | 100% ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% iii) Loss of one limb or sight of one eye | 50% iv) Permanent total disablement from injuries other than named above. | 100% ... the owner-driver is the registered owner of the vehicle insured herein; ... the owner-driver is the insured named in this policy. ... the owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733#c-scope-of-cover"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER TO OWNER DRIVER","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-section-iii"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-a"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-b"},{"clause":"3(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-c"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Zero Depreciation","Return to Invoice","Consumable Expenses","Daily Conveyance Benefit","Engine Protector","Key Protect Cover","Loss of Personal Belongings","NCB Retention Cover","Tyre & Rim Protector","Emergency Medical Expenses","Pay As You Drive (PAYD)","Road Side Assistance","EV Secure Plus: Battery & BMS Cover","EV Secure Plus: Motor Cover","EV Secure Plus: Charger Cover"],"display":"Zero depreciation, return to invoice, consumables, daily conveyance, engine protector, key protect, personal belongings, NCB retention, tyre and rim, emergency medical expenses, PAYD, roadside assistance and EV Secure Plus covers","note":"These are add-on covers, applicable when shown in the policy schedule and/or on payment of additional premium.","quote":"1. Zero Depreciation ... 2. Return to Invoice ... 3. Consumable Expenses ... 4. Daily Conveyance Benefit ... 5 Engine Protector ... 6. Key Protect Cover ... 7 Loss of Personal Belongings ... 8 NCB Retention Cover ... 9 Tyre & Rim Protector ... 10 Emergency Medical Expenses ... 11 Pay As You Drive (PAYD) ... 12 Road Side Assistance ... EV Secure Plus provides enhanced protection for electric vehicle components against consequential damage ... Battery & BMS Cover | Battery, BMS and related EV components ... Motor Cover | Electric motor, differential and transmission related ... Charger Cover | Charging cable, adapter and wall charger against","sources":[{"clause":null,"heading":"1. Zero Depreciation","page":23,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-1-zero-depreciation"},{"clause":null,"heading":"2. Return to Invoice","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-2-return-to-invoice"},{"clause":null,"heading":"3. Consumable Expenses","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-3-consumable-expenses"},{"clause":null,"heading":"What is not covered","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-what-is-not-covered-3"},{"clause":"5","heading":"Engine Protector","page":27,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-5-3"},{"clause":null,"heading":"What is not covered","page":27,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-what-is-not-covered-4"},{"clause":"7","heading":"Loss of Personal Belongings","page":29,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-7"},{"clause":"8","heading":"NCB Retention Cover","page":29,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-8"},{"clause":"9","heading":"Tyre & Rim Protector","page":30,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-9"},{"clause":"10","heading":"Emergency Medical Expenses","page":32,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-10"},{"clause":"11","heading":"Pay As You Drive (PAYD)","page":36,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-11"},{"clause":"12","heading":"Road Side Assistance","page":37,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-12"},{"clause":null,"heading":"Product Overview","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14735#c-product-overview"},{"clause":null,"heading":"Coverage Options","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14735#c-coverage-options"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":"The documents mention authorised or network garages and claim registration at a network garage, but do not state that repairs are cashless.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Normal wear, tear and general ageing of vehicle","Consequential loss, depreciation Mechanical and electrical breakdown","Vehicle being used otherwise than in accordance with limitation as to use","Damage to/ by a person driving the vehicle without a valid license","Damage to/ by a person driving the vehicle under the influence of drugs or liquor","Loss or damage due to war, mutiny or Nuclear Risks","outside the Geographical Area","contractual liability","Damage to tyres and tubes unless the vehicle is damaged at the same time","racing, rallying, motor sports"],"display":"Wear and tear/ageing, consequential loss/depreciation/breakdown, wrong use, no valid licence, drunk/drug driving, war/nuclear risks, outside geographical area, contractual liability, tyres unless vehicle also damaged, racing/rallying/motor sports","note":"The no-valid-licence wording is quoted from the prospectus; the policy wording separately excludes use not matching the Driver’s clause.","quote":"Normal wear, tear and general ageing of vehicle ... Consequential loss, depreciation Mechanical and electrical breakdown Vehicle being used otherwise than in accordance with limitation as to use Damage to/ by a person driving the vehicle without a valid license Damage to/ by a person driving the vehicle under the influence of drugs or liquor. Loss or damage due to war, mutiny or Nuclear Risks ... Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement. ... Vehicle should not be used for the purpose of racing, rallying, motor sports","sources":[{"clause":null,"heading":"Exclusions","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733#c-exclusions"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-general-exceptions"},{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-5"},{"clause":null,"heading":"Limitations","page":41,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-limitations"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is IDV. IDV is fixed at the commencement of each policy period on the manufacturer’s listed selling price of the brand and model, including accessories if any, adjusted for depreciation; vehicles beyond 5 years or obsolete models are determined by understanding between the company and insured.","display":"IDV based on manufacturer’s listed selling price less depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the Insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the Company and the Insured.","sources":[{"clause":null,"heading":"SUM INSURED- INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Private Car Package Policy - Policy wording","pages":51,"fetched_at":"2026-10-17 20:00:29+00","source_url":"https://rahejaqbe.com/uploads/images/private-car-package/pdf/download/private-car-package-wording-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14740"},{"kind":"prospectus","label":"Private Car Package Policy - Prospectus","pages":16,"fetched_at":"2026-10-17 20:00:18+00","source_url":"https://rahejaqbe.com/uploads/images/private-car-package/pdf/download/private-car-package-prospectus-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14733"},{"kind":"prospectus","label":"Private Car Package Policy - EV secure plus - Prospectus","pages":3,"fetched_at":"2026-10-17 20:00:26+00","source_url":"https://rahejaqbe.com/uploads/images/car-insurance/ev-secure-plus/ev-secure-plus-pvtcar-package-prospectus-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14735"},{"kind":"rider","label":"Private Car Package Policy - RSA GOLD - Policy Wording","pages":3,"fetched_at":"2026-10-17 19:56:16+00","source_url":"https://rahejaqbe.com/uploads/images/private-car-package/pdf/download/rsa-gold/policy-wording.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14650"},{"kind":"rider","label":"Private Car Package Policy - EV secure plus - Policy Wording","pages":8,"fetched_at":"2026-10-17 19:56:24+00","source_url":"https://rahejaqbe.com/uploads/images/car-insurance/ev-secure-plus/ev-secure-plus-pvtcar-package-policy-wording-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809/document/14653"}],"versions":[{"uin":"GEN291","version":null,"approved_on":null},{"uin":"IRDAN141RP0001V01200809","version":null,"approved_on":null},{"uin":"IRDAN141RP0001V02200809","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Raheja QBE General Insurance official website","url":"https://www.rahejaqbe.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://rahejaqbe.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://rahejaqbe.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Private Car Package Policy (UIN IRDAN141RP0001V02200809), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/private-car-package-policy-irdan141rp0001v02200809"}