{"uin":"IRDAN141RP0001V02201920","name":"Stand Alone Own Damage Private Car Policy","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920","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":null,"withdrawn_on":null,"summary":"This is a standalone own damage private car policy with Own Damage 1 Years policy period and IDV as the sum insured. It covers loss or damage to the vehicle from listed perils such as fire, theft, accidental external means, natural perils, transit, malicious act and terrorist activity, with optional add-ons including zero depreciation and road side assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:41:20.947138+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":"quote-verified","value":"Own Damage 1 Years","display":"Own Damage 1 Years","note":"From the prospectus; the policy wording refers to the Period of Insurance but does not print a duration.","quote":"Policy Period: Own Damage 1 Years","sources":[{"clause":null,"heading":"Standalone Own Damage Policy-Private Car","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759#c-standalone-own-damage-policy-private-car"}],"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 must be given in writing immediately on accidental loss or damage. For theft, report to the police as well as insurer within 48 hours from theft; notice of claim must be given immediately after an actual or potential loss begins or as soon as reasonably possible.","display":"Immediately; theft to police and insurer within 48 hours","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. ... If the claim is for theft, insured should report to the police as well as insurer within 48 hours from theft and obtain a FIR or a written acknowledgment from the police authorities. ... 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":"5(a)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-a-i"},{"clause":"5(III)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-iii"},{"clause":"5(IV)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-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","In the event of theft, a copy of FIR or written acknowledgement from the Police Authority"],"display":"Completed & Signed claim form, Registration Certificate, Policy Copy, Driving License, Claim Form; FIR or written police acknowledgement for theft","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\n• In the event of theft, a copy of FIR or written acknowledgement from the Police Authority.","sources":[{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759#c-raheja-qbe-general-insurance-company-limited"}],"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 Company must pay interest at 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/ claimant till actual payment.","display":"30 days from receipt of last relevant and necessary document; 2% above bank rate interest if delayed","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":"5(VI)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-vi-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","under the influence of intoxicating liquor or drugs","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 the charge of any person other than a driver as stated in the Driver’s clause","ionising radiations or contamination by radioactivity","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss, wear and tear, breakdown, tyres/tubes unless vehicle damaged, intoxication, outside geographical area, contractual liability, use outside limitations, unauthorised driver, nuclear 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 in which case the liability of the Company shall be limited to 50% of the cost of replacement. ... under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. 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 the charge of any person other than a driver as stated in the Driver’s clause. ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-a-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-b-3"}],"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 complain to Raheja QBE through the toll-free helpline, complaintsofficer@rahejaqbe.com, or The Grievance Cell at the Mumbai address; the company says it will respond within 15 days. If there is no satisfactory response within 30 days of lodging the complaint, the customer may approach the Insurance Ombudsman.","display":"Raheja QBE toll-free helpline, complaintsofficer@rahejaqbe.com or Grievance Cell first; response within 15 days; Ombudsman after 30 days if unsatisfied","note":null,"quote":"Call us at toll free helpline 1800-102-7723 (9 am to 8 pm, Monday to Saturday)\nEmail us at complaintsofficer@rahejaqbe.com\nWrite 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 ... we will send our response within a period of 15 days from the date of receipt of the complaint by the company or its office in Mumbai. ... 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":"Grievance Redressal","page":31,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-grievance-redressal"}],"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":["By fire, explosion, self- ignition or lightning","By burglary, housebreaking or theft","By riot and strike","By earthquake (fire and shock damage)","By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm or frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road, rail, inland-waterway, lift, elevator or air","By landslide and rockslide"],"display":"Fire, explosion, self-ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and other natural perils; accidental external means; malicious act; terrorist activity; 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/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#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":"conflicting","value":"The insured may cancel at any time by fifteen days notice by recorded delivery. If no claim has arisen during the currency of policy, return premium is premium paid less the Company's pro-rata portion for the period the policy has been in force, subject to minimum premium retention of Rs 100 or Rs 25 for specified modified vehicles.","display":"15 days notice; if no claim, refund is premium less Company’s pro-rata portion, with minimum premium of Rs 100 or Rs 25 for specified vehicles","note":"Prospectus says: \"Policy may be cancelled at the option of the insured with seven days’ notice of cancellation and the Company will be entitled to retain premium on short period scale of rates\".","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).","sources":[{"clause":"5(d)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-d-ii"},{"clause":null,"heading":"Cancellation & Refund","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759#c-cancellation-refund"}],"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 wording excludes loss outside the Geographical Area and has an optional geographical extension endorsement, but the base geographical area itself is not printed.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Standalone Own Damage"],"display":"Standalone Own Damage","note":null,"quote":"Standalone Own Damage Policy- Private Car ... This policy is designed to cover the loss or damage to the vehicle itself.","sources":[{"clause":null,"heading":"Standalone Own Damage Policy- Private Car","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-standalone-own-damage-policy-private-car"},{"clause":null,"heading":"Standalone Own Damage Policy-Private Car","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759#c-standalone-own-damage-policy-private-car"}],"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":"not-stated","value":null,"display":null,"note":"The documents describe this as a standalone own damage policy for loss or damage to the vehicle itself, but they do not print a third-party liability cover or limit.","quote":null,"sources":[],"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 the sum insured and is fixed at the commencement of each policy period. It is based on the manufacturer’s listed selling price of the vehicle and accessories adjusted for depreciation; it is treated as Market Value for TL/CTL claims, and CTL applies if retrieval and/or repair cost exceeds 75% of IDV.","display":"IDV is the sum insured, fixed at commencement; manufacturer’s listed selling price adjusted for depreciation; market value for TL/CTL; CTL above 75% of IDV","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.\nThe 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.\nThe Insured vehicle shall be treated as CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED- INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"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: rubber/ nylon/ plastic parts, tyres, tubes and batteries 50%; fibre glass components 30%; glass Nil. Other parts including wooden parts have age-wise depreciation from Nil up to 50%, and painting depreciation of 50% applies only on the material cost of total painting charges.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries 50%; fibre glass 30%; glass Nil; other parts Nil to 50% by age; painting 50% on material cost","note":null,"quote":"1. For all rubber/ nylon/ plastic parts, tyres, tubes and batteries | 50%\n2. For fibre glass components | 30%\n3. For all parts made of glass | Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 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/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-section-i"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts will be as","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#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":"No Claim Bonus can be earned only in the Own Damage Section and only at renewal after the full duration of 12 months. The table gives discounts on Own Damage Premium from 20% to 50%.","display":"Own Damage NCB: 20% to 50% discount after claim-free full years; earned at renewal after 12 months","note":"The printed table shows the 50% row against \"preceding 2 consecutive years of insurance\".","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\nNo Claim made or pending during the preceding full year of insurance | 20%\nNo Claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo Claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo Claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo Claim made or pending during the preceding 2 consecutive years of insurance | 50%","sources":[{"clause":"5(g)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-g-i"},{"clause":"5(g)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-g-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 contains a compulsory deductible endorsement with a placeholder \"first Rs *\" and says to insert the amount as appropriate; the fixed rupee amount is not printed.","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; the prospectus slabs are Rs 2500, Rs 5000, Rs 7500 and Rs 15000 with discounts of 20%, 25%, 30% and 35% on the OD Premium subject to stated caps.","display":"Optional: Rs 2500, Rs 5000, Rs 7500 or Rs 15000 voluntary deductible","note":"The policy wording uses placeholders for the chosen amount; slab amounts are from the prospectus.","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. ... Voluntary Deductible | Discount\nRs 2500 | 20% on the OD Premium subject to maximum of Rs 750\nRs 5000 | 25% on the OD Premium subject to maximum of Rs 1500\nRs 7500 | 30% on the OD Premium subject to maximum of Rs 2000\nRs 15000 | 35% on the OD Premium subject to maximum of Rs 2500","sources":[{"clause":null,"heading":"IMT.22A. Voluntary Deductible","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-imt-22a-voluntary-deductible"},{"clause":null,"heading":"Voluntary Deductible","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759#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":"not-stated","value":null,"display":null,"note":"Some endorsements refer to personal accident cover for the owner-driver, but the documents do not print the base PA cover terms or sum insured.","quote":null,"sources":[],"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","Road Side Assistance","Battery & BMS Cover","Motor Cover","Charger Cover"],"display":"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, Road Side Assistance, Battery & BMS Cover, Motor Cover and Charger Cover","note":"These covers apply only if shown on the policy schedule or bought for additional premium; EV Secure Plus covers are for eligible electric vehicles.","quote":"1. Zero Depreciation (Standalone Own Damage- Private Car) ... 2. Return to Invoice (Standalone Own Damage- Private Car) ... 3. Consumable Expenses (Standalone Own Damage- Private Car) ... 4. Daily Conveyance Benefit (Standalone Own Damage- Private Car) ... 5. Engine Protector (Standalone Own Damage- Private Car) ... 6 Key Protect Cover (Standalone Own Damage- Private Car) ... 7 Loss of Personal Belongings (Standalone Own Damage- Private Car) ... 8 NCB Retention Cover (Standalone Own Damage- Private Car) ... 9 Tyre & Rim Protector (Standalone Own Damage- Private Car) ... 10 Road Side Assistance- Private Car ... Cover name | What is Covered\nBattery & BMS Cover | Battery, BMS and related EV components damaged by\npower surge, water ingress, short circuit, thermal events, leakage and self-heating.\nMotor Cover | Electric motor, differential and transmission related\nconsequential damage from specified insured events.\nCharger Cover | Charging cable, adapter and wall charger against\nspecified accidental damage, theft and rodent bite (subject to conditions).","sources":[{"clause":null,"heading":"1. Zero Depreciation (Standalone Own Damage- Private Car)","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-1-zero-depreciation-standalone-own-damage-privat"},{"clause":null,"heading":"2. Return to Invoice (Standalone Own Damage- Private Car)","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-2-return-to-invoice-standalone-own-damage-privat"},{"clause":null,"heading":"3. Consumable Expenses (Standalone Own Damage- Private Car)","page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-3-consumable-expenses-standalone-own-damage-priv"},{"clause":null,"heading":"4. Daily Conveyance Benefit (Standalone Own Damage- Private Car)","page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-4-daily-conveyance-benefit-standalone-own-damage"},{"clause":null,"heading":"5. Engine Protector (Standalone Own Damage- Private Car)","page":23,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-engine-protector-standalone-own-damage-private"},{"clause":"6","heading":"Key Protect Cover (Standalone Own Damage- Private Car)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-6"},{"clause":"7","heading":"Loss of Personal Belongings (Standalone Own Damage- Private Car)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-7"},{"clause":"8","heading":"NCB Retention Cover (Standalone Own Damage- Private Car)","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-8"},{"clause":"9","heading":"Tyre & Rim Protector (Standalone Own Damage- Private Car)","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-9"},{"clause":"10","heading":"Road Side Assistance- Private Car","page":28,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-10"},{"clause":null,"heading":"Coverage Options","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14762#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 network garage claim registration and Authorized Garage conditions for some add-ons, but they do not state that repairs can be 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":["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 the charge of any person other than a driver as stated in the Driver’s clause","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","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area, contractual liability, use outside limitations, unauthorised driver, consequential loss/wear and tear/breakdown, tyres/tubes unless vehicle also damaged, intoxication, nuclear and war risks","note":null,"quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. 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 the charge of any person other than a driver as stated in the Driver’s clause. ... 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 in which case the liability of the Company shall be limited to 50% of the cost of replacement. ... under the influence of intoxicating liquor or drugs. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-a-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-b-3"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-5-c"}],"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 cover amount is the Insured’s Declared Value (IDV), which is deemed the sum insured. The IDV is fixed from the manufacturer’s listed selling price of the vehicle and accessories at commencement or renewal, adjusted for depreciation.","display":"IDV basis: manufacturer’s listed selling price adjusted for 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.\nThe 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","sources":[{"clause":null,"heading":"SUM INSURED- INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand Alone Own Damage Private Car Policy - Policy wording","pages":35,"fetched_at":"2026-10-17 20:01:28+00","source_url":"https://rahejaqbe.com/uploads/images/stand-alone/pdf/download/private-car-saod-wording-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14758"},{"kind":"prospectus","label":"Stand Alone Own Damage Private Car Policy - Prospectus","pages":13,"fetched_at":"2026-10-17 20:01:29+00","source_url":"https://rahejaqbe.com/uploads/images/stand-alone/pdf/download/private-car-saod-prospectus-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14759"},{"kind":"prospectus","label":"Stand Alone Own Damage Private Car Policy - EV Secure Plus - Prospectus","pages":3,"fetched_at":"2026-10-17 20:01:37+00","source_url":"https://rahejaqbe.com/uploads/images/car-insurance/ev-secure-plus/ev-secure-plus-pvtcar-saod-prospectus-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14762"},{"kind":"rider","label":"Stand Alone Own Damage Private Car Policy - RSA GOLD - Policy Wording","pages":4,"fetched_at":"2026-10-17 19:56:50+00","source_url":"https://rahejaqbe.com/uploads/images/stand-alone/pdf/download/rsa-gold/policy-wording.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14664"},{"kind":"rider","label":"Stand Alone Own Damage Private Car Policy - EV Secure Plus - Policy Wording","pages":8,"fetched_at":"2026-10-17 19:56:58+00","source_url":"https://rahejaqbe.com/uploads/images/car-insurance/ev-secure-plus/ev-secure-plus-pvtcar-saod-policy-wording-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920/document/14666"}],"versions":[{"uin":"IRDAN141RP0001V01201920","version":null,"approved_on":null},{"uin":"IRDAN141RP0001V02201920","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":"Stand Alone Own Damage Private Car Policy (UIN IRDAN141RP0001V02201920), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/stand-alone-own-damage-private-car-policy-irdan141rp0001v02201920"}