Raheja QBE Bike Insurance Claim

Raheja QBE General Insurance has provided financial security and peace of mind to the policyholders through its bike insurance policies. Raheja QBE bike insurance policy covers the financial losses that may arise due to the accident, theft or damage of the insured’s bike.

Raheja QBE General Insurance has set up an efficient helpdesk service to resolve the issues of the policyholders. It guides the policyholders through the whole procedure of claim settlement to provide a hassle-free experience.

Documents Required for Raheja QBE Bike Insurance Claim

The following documents are required at the time of settling a bike insurance claim:

• Duly filled and signed claim form
• Self-attested copy of Registration Certificate (RC)
• Driving license of the person driving at the time of the accident
• Policy copy
• Original repair estimate, repair invoice and payment receipt for non-cashless claims
• Original repair invoice for cashless claims.

How To Make Raheja QBE Cashless Bike Insurance Claim?

Raheja QBE General Insurance has made the claim procedure hassle-free and the policyholders can easily execute it by following the simple steps:

Step 1: Contact Raheja QBE General Insurance

The insurer should be immediately informed after the incident of theft, accident or damage of the insured’s bike. You can intimate Raheja QBE General Insurance in the following ways:

• Call on its toll-free number 1800-102-7723
• Notify loss by email to claims@rahejaqbe.com
• Report claim through its official website
• Visit the nearest office

Step 2: Register Claim

A representative from Raheja QBE General Insurance will contact you after the intimation. You should provide the representative with the details of the claimable event (accident). The representative provides you with a claim reference number. You need to save it for further process.

Step 3: Survey of Damages

A surveyor will be sent by the insurance company to check the extent of the damages caused to the bike during the accident. Submit the duly filled claim form, policy documents and proves to the surveyor.

Step 4: Claim Settlement

After assessing all the aspects, the insurer takes care of the financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.

How To Make Raheja QBE Reimbursement Bike Insurance Claim?

You can make a reimbursement claim if you fail to take the insured’s bike to the network garage or opt to repair it in any other garage. A reimbursement claim is made to get compensation for repairing the bike. The process of placing a reimbursement claim is as follows:

Step 1: Contact the Insurer

To initiate the reimbursement process, the policyholder may follow any one of the following ways:

• Call on its toll-free number 1800 102 7723
• Notify loss by email to claims@rahejaqbe.com
• Report claim through its official website
• Visit the nearest office

The insurer should be intimated within 24 hours of the accident, theft or damage of the insured’s bike.

Step 2: Register Claim

A company executive contacts you after the intimation. You need to provide him with the following information:

• Policy number
• Location of accident
• Loss details

A claim registration number is generated which is required for the identification of your claim intimation. The executive informs you about the nearest network garage. However, do not move the bike before the survey.

Step 3: Survey of the Damages Incurred

A surveyor appointed by the insurer checks the condition of the bike before it is sent for repairs. The surveyor prepares an estimate of the cost of repair. You have to submit the documents, duly filled claim form and the proves to the surveyor.

Step 4: Repair and Reimbursement

Once the surveyor gives the approval, you can send the bike to your desired garage. After the completion of the repair, submit the bills and receipts of repair along with policy documents to the insurer to receive the reimbursement. The company checks the details and finally disburses the claim amount taking into account all the deductibles and depreciation.

In case of claim settlement under Raheja QBE General Insurance, there are specific grounds that you need to consider so that your claim is not rejected. The insurer rejects a claim for the following reasons:

• Act of negligence
• Misinterpretation of facts
• Driving without a license
• Contractual liability claim
• Registration of a fraud Claim
• Delay in intimation about the mishap to the insurer
• Driving under the influence of alcohol or intoxicating drugs.

Raheja QBE No Claim Bonus

Raheja QBE offers with every two-wheeler own-damage insurance No Claim Bonus for every claim-free year. This reward is given by the insurance provider for their good driving habits. The reward is cumulative in nature, i.e., it becomes higher with every consecutive claim-free year. It reaches its maximum of 50% in the 5th consecutive year. However, in the event the policyholder files for a claim the accumulated NCB is disabled. To avoid such losses it is advisable to apply for a two-wheeler insurance claim selectively. It is best to file an insurance claim only when the damage to your two-wheeler is significant and is higher than your NCB amount.

Moreover, to keep the accumulated NCB intact the policyholder must remember to renew the two-wheeler insurance on time. Any delays can lead to the termination of the policy and with it the accumulated NCB. It is understandable that it is easy to forget the renewal date with the fast-paced and busy lifestyles that most of us have. Hence, the insurance providers give their customers a grace period of 90 days from the expiry date to renew their policy. However, any delays past this period cannot be redeemed and a fresh policy will have to be purchased and the NCB will be lost. At the time of renewal if the insurance holder wishes to change to a different insurance company it can be done without any hassle. Similarly, if the customer wishes to sell their current two-wheeler and purchase a new one the NCB will be transferred to the new policy as long as the earlier renewals were done on time.