{"uin":"IRDAN141RP0035V02201920","name":"Two Wheeler Package Policy","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920","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-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-01-30","withdrawn_on":null,"summary":"This is a two wheeler package policy covering compulsory third-party liability and own damage to the insured vehicle based on IDV. It includes owner-driver personal accident cover of Rs. 15,00,000 and offers add-ons such as Zero Depreciation, Return to Invoice, Consumable Expenses, Helmet Cover, NCB Retention Cover, Engine Protector and Daily Conveyance Benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:02:22.690049+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":"No named base plan variants are stated; add-on covers are listed separately.","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 date/hour in the policy schedule, but no fixed term is printed.","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 or as soon as reasonably possible after an actual or potential loss begins. For theft, the insured should report to the police and insurer within 48 hours from theft and file an FIR.","display":"Immediately or as soon as reasonably possible; 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 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(a)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-a-i"},{"clause":"3(III)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-iii"},{"clause":"3(IV)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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","Registration Certificate","Policy Copy","Driving Licence","Claim Form","Police Information Report and other documents relevant for adjudication of a claim","FIR or written acknowledgment from the police authority","death certificate, postmortem report or certificate of disability from hospital"],"display":"Completed & Signed claim form, Registration Certificate, Policy Copy, Driving Licence, Claim Form, Police Information Report/FIR where applicable, and death/postmortem/disability documents for injury or death claims","note":"The company may ask for additional documents depending on the claim.","quote":"Completed & Signed claim form along with supporting documents. Minimum documents required are as below:\no Registration Certificate o Policy Copy o Driving Licence o Claim Form\nAdditionally, Police Information Report and other documents relevant for adjudication of a claim shall be required as per the applicability of add on covers opted. ... 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. ... Insured or claimant shall furnish death certificate, postmortem report or certificate of disability from hospital as per the requirement of the company in the event of death or bodily injury.","sources":[{"clause":null,"heading":"Minimum Information Required","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774#c-minimum-information-required"},{"clause":"3(III)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-iii"},{"clause":"3(V)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-v"}],"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 pays interest at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"30 days from receipt of last relevant and necessary document; interest at 2% above bank rate 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":"3(VII)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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","Loss of or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is 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","sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions"],"display":"Main exclusions include wear and tear, mechanical/electrical breakdown, tyre-only damage, accessories theft unless the vehicle is stolen, drunk/drugged driving, outside geographical area, contractual liability, use/driver breaches, radiation, nuclear weapons, war and sanctions.","note":null,"quote":"The Company shall not be liable to make any payment in respect of :\na) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;\nb) 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.\nc) Loss of or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time and;\nd) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... The Company shall not be liable under this policy in respect of:\n1. Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. Any claim arising out of any contractual liability.\n3. Any accidental loss/ damage and/or liability caused sustained or incurred whilst the vehicle Insured herein is: ... a) Being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) 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.\n4. i) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.\nii) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... 5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n6. Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... 7. The Company shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provisions of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions","sources":[{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-general-exceptions"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-a-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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, complaint email, or the Grievance Cell address, and see the website for the Grievance Redressal Officer. The company says it will respond within 10 days of receiving the complaint, and the Ombudsman route is mentioned if there is no satisfactory response within 30 days.","display":"First complain to Raheja QBE by helpline/email/write to Grievance Cell or Grievance Redressal Officer; Ombudsman after 30 days if unsatisfied","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to contact us through below channels:\nCall us at toll free helpline 1800-102-7723 (9 am to 8 pm, Monday to Saturday) Email 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 ... Please visit our website at www.rahejaqbe.com to know the contact details of the Grievance Redressal Officer. After investigating the grievance internally and subsequent closure, we will send our response within a period of 10 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":30,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-grievance-redressal"},{"clause":null,"heading":"Grievance Redressal Officer","page":31,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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":["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":"Own-damage perils include fire, explosion, theft, riot/strike, earthquake, flood/storm/cyclone, accidental external means, malicious act, terrorist activity, transit, landslide and rockslide.","note":null,"quote":"The Company will indemnify the Insured against loss or damage to the vehicle Insured hereunder and/or its accessories whilst thereon 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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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 by 15 days notice by recorded delivery. If no claim has arisen, the refund is premium less the company's pro-rata portion for the time on risk, subject to minimum premium retention of Rs 100 or Rs 25 for specified vehicles, and cancellation requires evidence of insurance elsewhere for at least third-party liability cover.","display":"15 days notice; if no claim, refund less pro-rata premium, minimum retention 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":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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 wording excludes claims outside the Geographical Area and has an optional geographical extension endorsement, but the base geographical area itself is not defined in the provided clauses.","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 as required by Motor Vehicles Act, together with loss or damage to the vehicle itself"],"display":"Package policy: third-party liability together with loss or damage to the vehicle itself","note":"The document describes this as a Two Wheeler Package Policy rather than using the word comprehensive.","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":"Two Wheeler Package Policy","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774#c-two-wheeler-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 insurer indemnifies the insured for legal liability arising from use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than property belonging to or held by the insured, subject to the schedule limits.","display":"Legal liability for death or bodily injury and third-party property damage, subject to schedule limits","note":"The wording does not print an unlimited amount for death or injury; it refers to limits of liability in the schedule.","quote":"Subject to the limits of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... ii) 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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-1"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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 IDV is the sum insured, fixed at the commencement of each policy period on the basis of the manufacturer's listed selling price adjusted for depreciation. For total loss or constructive total loss, the insurer's liability does not exceed the IDV specified in the schedule less the wreck value.","display":"IDV is the Sum Insured; for total loss/constructive total loss, maximum is IDV less wreck value","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 side car/ 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 (as per schedule below). ... 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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-sum-insured-insureds-declared-value-idv"},{"clause":"3(a)(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-a-v"}],"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 including wooden parts are depreciated by vehicle age from Nil up to 6 months to 50% above 10 years; painting depreciation is 50% on material cost only.","display":"Parts depreciation: rubber/nylon/plastic, tyres, tubes and batteries 50%; fibre glass 30%; glass Nil; other parts Nil to 50% by age; painting 50% on material cost","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts of the vehicle replaced;\n1. 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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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 at renewal after the full 12-month policy duration. The discount table gives 20%, 25%, 35%, 45% and 50% on own damage premium depending on claim-free preceding insurance years.","display":"20% to 50% own-damage premium discount after claim-free years; earned at renewal after 12 months","note":"The policy table prints the 50% row as '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. ... No Claim Bonus, wherever applicable, will be as per the following table:\nAll 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 | 25%\nconsecutive years of insurance\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":"3(f)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-f-i"},{"clause":"3(f)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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 states that a deductible applies as stated in the Schedule and the compulsory deductible endorsement has a blank amount, so 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 selected. The prospectus lists Rs 500, Rs 750, Rs 1000, Rs 1500 and Rs 3000 slabs, with corresponding OD premium discounts.","display":"Voluntary deductible options Rs 500, Rs 750, Rs 1000, Rs 1500 or Rs 3000","note":"The slab amounts are from the prospectus; the policy wording endorsement has blanks for the selected amount.","quote":"If insured for a higher deductible value, discount shall be allowed as per following slab:\nVoluntary Deductible | Discount\nRs 500 | 5% on the OD Premium subject to maximum of Rs 50\nRs 750 | 10% on the OD Premium subject to maximum of Rs 75\nRs 1000 | 15% on the OD Premium subject to maximum of Rs 125\nRs 1500 | 20% on the OD Premium subject to maximum of Rs 200\nRs 3000 | 25% on the OD Premium subject to maximum of Rs 250","sources":[{"clause":null,"heading":"Voluntary Deductible","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774#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 the owner-driver is stated as Rs. 15,00,000 in the prospectus. The policy pays 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Owner-driver PA cover Rs. 15,00,000; scale includes 100% for death/PTD/two limbs or eyes and 50% for one limb or eye","note":"The amount is from the prospectus; the policy wording refers to the sum mentioned in the policy schedule.","quote":"Personal Accident Cover for Owner Driver for Rs. 15,00,000 ... the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner- driver of the vehicle in direct connection with the vehicle insured ... Details of Injury | Scale of compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100%\niii) Loss of one limb or sight of one eye | 50%\niv) Permanent total disablement from injuries other than named above. | 100% ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the insured named in this policy. ... c) 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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774#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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-section-iii"},{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-a"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-b"},{"clause":"3(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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","Helmet Cover","NCB Retention Cover","Engine Protector","Daily Conveyance Benefit"],"display":"Zero Depreciation, Return to Invoice, Consumable Expenses, Helmet Cover, NCB Retention Cover, Engine Protector and Daily Conveyance Benefit","note":"These covers are add-ons and are applicable only if shown on the policy schedule.","quote":"Two Wheeler Package Policy-Add on Covers ... 1. Zero Depreciation ... 2. Return to Invoice ... 3. Consumable Expenses ... 4 Helmet Cover ... 5 NCB Retention Cover ... 6 Engine Protector ... 7 Daily Conveyance Benefit","sources":[{"clause":null,"heading":"Two Wheeler Package Policy-Add on Covers","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-two-wheeler-package-policy-add-on-covers"},{"clause":null,"heading":"1. Zero Depreciation","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-1-zero-depreciation"},{"clause":null,"heading":"2. Return to Invoice","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-2-return-to-invoice"},{"clause":null,"heading":"3. Consumable Expenses","page":26,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-3-consumable-expenses"},{"clause":"4","heading":"Helmet Cover","page":26,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-4-3"},{"clause":"5","heading":"NCB Retention Cover","page":27,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-5-3"},{"clause":"6","heading":"Engine Protector","page":27,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-6"},{"clause":"7","heading":"Daily Conveyance Benefit","page":28,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-7"}],"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 refer to network or authorized garages, but 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":["Normal wear, tear and general ageing of vehicle","Loss of accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","Consequential loss, depreciation","Mechanical and electrical breakdown","Vehicle being used otherwise than in accordance with “Limitation as to Use” as stated in the schedule","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","Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s Clause mentioned in the schedule","A claim arising out of contractual liability"],"display":"Main motor exclusions include wear and tear, accessories theft unless vehicle is stolen, consequential loss/depreciation, mechanical/electrical breakdown, breach of limitation as to use, no valid licence, drugs or liquor, war/mutiny/nuclear risks, driver-clause breach and contractual liability.","note":"The consolidated wording here is from the prospectus; the policy wording also contains these categories across Section I and General Exceptions.","quote":"Any loss or damage to the vehicle and/ or its accessories will not be covered if caused by the following:\n• Normal wear, tear and general ageing of vehicle\n• Loss of accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time.\n• Consequential loss, depreciation\n• Mechanical and electrical breakdown\n• Vehicle being used otherwise than in accordance with “Limitation as to Use” as stated in the schedule.\n• Damage to/ by a person driving the vehicle without a valid license\n• Damage to/ by a person driving the vehicle under the influence of drugs or liquor.\n• Loss or damage due to war, mutiny or Nuclear Risks\n• Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s Clause mentioned in the schedule.\n• A claim arising out of contractual liability.","sources":[{"clause":null,"heading":"Exclusions","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774#c-exclusions"}],"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. The IDV is fixed at the start of each policy period on the basis of the manufacturer's listed selling price of the vehicle, side car and accessories, adjusted for depreciation, and is treated as market value for total loss or constructive total loss claims.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation; treated as 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.\nThe IDV of the vehicle (and side car/ 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 (as per schedule below). ... 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.","sources":[{"clause":null,"heading":"SUM INSURED- INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#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/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Standalone Own Damage Policy - Policy wordings RSA","pages":4,"fetched_at":"2026-10-17 20:01:57+00","source_url":"https://rahejaqbe.com/uploads/images/compliance/pdf/motor_policy/Policy-wording-RSA.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14770"},{"kind":"wording","label":"Two Wheeler Package Policy - Policy wording","pages":34,"fetched_at":"2026-10-17 20:02:06+00","source_url":"https://rahejaqbe.com/uploads/images/two-wheeler-package/pdf/download/tw-package-policy-wording-v02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14775"},{"kind":"wording","label":"Two Wheeler Package Policy (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 00:50:36+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920_GEN3533.pdf/8f5d8511-a9af-18f4-249d-67a0b14515bc?version=1.1&t=1668233297773&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/24819"},{"kind":"wording","label":"3)Consumable Expenses-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:38:28+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0007V01202021_GEN4139.pdf/0782bbf7-9530-3c6b-5763-00638aa56e81?version=1.1&t=1668596147560&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26906"},{"kind":"wording","label":"4)NCB Retention Cover-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:38:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0008V01202021_GEN4140.pdf/247554a3-7db2-0a59-0336-26b5f974a952?version=1.1&t=1668596323589&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26907"},{"kind":"wording","label":"5)Helmet Cover-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:38:31+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0009V01202021_GEN4141.pdf/b0d35094-e320-6164-ad81-dbcdb9e97cb4?version=1.1&t=1668598367615&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26908"},{"kind":"wording","label":"6)Engine Protector-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:38:32+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0010V01202021_GEN4142.pdf/c4586364-0cec-6fb1-298f-72eadecbdf47?version=1.1&t=1668598483288&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26909"},{"kind":"wording","label":"7)Daily Conveyance Benefit-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:38:33+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0011V01202021_GEN4143.pdf/6f2e4db9-7420-8c02-4b7e-037f88371bc5?version=1.1&t=1668598583803&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26910"},{"kind":"wording","label":"1)Zero Depreciation-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:38:34+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0012V01202021_GEN4144.pdf/f88c5967-71f1-2eec-ac7a-27da3b950f0c?version=1.1&t=1668598660814&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26911"},{"kind":"wording","label":"2)Return to Invoice-Two Wheeler Package Policy- Add On Covers (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:38:35+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0035V01201920A0013V01202021_GEN4145.pdf/4cba4212-ebac-37e9-d8f5-13615a5ed1a3?version=1.1&t=1668598723790&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/26912"},{"kind":"prospectus","label":"Two Wheeler Package Policy - Prospectus","pages":8,"fetched_at":"2026-10-17 20:02:07+00","source_url":"https://rahejaqbe.com/uploads/images/two-wheeler-package/pdf/download/tw-package-prospectus-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920/document/14774"}],"versions":[{"uin":"IRDAN141RP0035V01201920","version":null,"approved_on":null},{"uin":"IRDAN141RP0035V02201920","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":"Two Wheeler Package Policy (UIN IRDAN141RP0035V02201920), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/two-wheeler-package-policy-irdan141rp0035v02201920"}