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Raheja QBE General Commercial Vehicle Insurance
Raheja QBE General Commercial Vehicle Insurance is a dedicated motor insurance solution designed to protect vehicles used for business, logistics, transport, and commercial operations across India. Whether you own a goods carrier, truck, pickup, taxi, tractor, three-wheeler, or a fleet of commercial vehicles, Raheja QBE offers dependable coverage against accidents, theft, natural disasters, and third-party liabilities.
Backed by the Rajeshrahi Group (India) and the global insurance expertise of QBE Insurance Group (Australia), Raheja QBE General Insurance delivers reliable protection with simple policies, competitive pricing, and customer-friendly claims support.
Commercial Vehicle Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Insurance premiums shown are indicative and vary by vehicle type, age, city, add-ons, and insurer. Third-party premiums are IRDAI-regulated and uniform across all insurers. Policylegit does not endorse any specific insurer or product. Plans shown are from Policylegit's insurer partners. For the complete list of IRDAI-registered insurers, visit www.irdai.gov.in
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#1 Insurance premiums shown are indicative and vary by vehicle type, age, city, add-ons, and insurer. Third-party premiums are IRDAI-regulated and uniform across all insurers. Policylegit does not endorse any specific insurer or product. Plans shown are from Policylegit's insurer partners. For the complete list of IRDAI-registered insurers, visit www.irdai.gov.in
About Raheja QBE General Insurance Company Ltd
Raheja QBE General Insurance Co. Ltd. is an IRDAI-licensed general insurance company in India, offering protection across health, motor, and general insurance segments. In the commercial motor space, the company focuses on:
- Practical coverage for business vehicles
- Transparent policy terms
- Affordable premiums
- Efficient and fair claims settlement
This approach makes Raheja QBE a trusted choice for transporters, fleet owners, SMEs, and commercial vehicle operators.
What Is Raheja QBE Commercial Vehicle Insurance?
Raheja QBE commercial vehicle insurance provides mandatory third-party liability coverage along with optional own-damage protection for vehicles used for commercial purposes.
The policy helps businesses:
- Comply with the Motor Vehicles Act
- Protect vehicles from financial losses
- Reduce third-party legal liabilities
- Minimise downtime caused by accidents or damages
Commercial Vehicles Covered by Raheja QBE
Raheja QBE insures a wide range of commercial vehicles, including:
- Goods carriers and transport trucks
- Light, medium & heavy commercial vehicles
- Mini trucks and pickups
- Commercial taxis and passenger vehicles
- Three-wheelers (goods and passenger)
- Tractors and agricultural vehicles
- Fleet vehicles used by logistics and transport companies
Types of Raheja QBE Commercial Vehicle Insurance Policies
1. Third-Party Commercial Vehicle Insurance
- Mandatory by law
- Covers injury, death, or property damage to third parties
- Does not cover damage to the insured vehicle
2. Comprehensive Commercial Vehicle Insurance
- Covers third-party liability + own-damage
- Protection against accidents, theft, fire, floods, riots, and vandalism
- Ideal for vehicles used regularly in business operations
3. Standalone Own-Damage Policy
- Covers only damage to your commercial vehicle
- Requires an active third-party insurance policy
4. Fleet Insurance
- Suitable for businesses owning multiple commercial vehicles
- Simplified policy management and renewals
Coverage Benefits of Raheja QBE Commercial Vehicle Insurance
A comprehensive policy generally includes:
- Accidental damage and collision cover
- Theft and total loss protection
- Fire and explosion damage
- Natural calamities (flood, earthquake, storm)
- Man-made risks like riots and strikes
- Legal liability towards third parties
Optional Add-Ons for Enhanced Protection
Raheja QBE offers add-on covers to strengthen protection:
- Zero depreciation cover
- Engine and gearbox protection
- Roadside assistance
- Personal accident cover for driver
- Coverage for accessories
Factors Affecting Commercial Vehicle Insurance Premium
The premium is influenced by:
- Vehicle type and load capacity
- Vehicle age and model
- Insured Declared Value (IDV)
- City, RTO zone, and route usage
- Nature of commercial operations
- Claim history and No Claim Bonus (NCB)
- Add-ons selected
Raheja QBE Commercial Vehicle Claim Process
Raheja QBE follows a simple and transparent claims process:
- Claim intimation via customer support
- Vehicle inspection and documentation
- Approval and repair at a network garage or reimbursement
- Claim settlement as per policy terms
The process is designed to minimise business disruption and vehicle downtime.
Cashless Garage Network & Service Support
Raheja QBE has a growing cashless garage network across India, enabling:
- Faster vehicle repairs
- Reduced paperwork
- Hassle-free claims experience
Why Choose Raheja QBE Commercial Vehicle Insurance?
Strong Indian and global backing
Affordable premiums for business vehicles
Transparent and easy-to-understand policies
Customer-friendly claims process
Suitable for single vehicle owners and fleet operators
Raheja QBE vs Digital-Only Motor Insurers
While many new-age digital insurers focus on app-based journeys and instant quotes, Raheja QBE stands out for:
- Traditional underwriting strength
- Personalised customer assistance
- Reliable long-term service
This makes Raheja QBE an ideal choice for businesses seeking stability, trust, and consistent support.
Conclusion
Raheja QBE General Commercial Vehicle Insurance is a dependable insurance solution for businesses and individuals operating commercial vehicles in India. With practical coverage options, competitive pricing, and a customer-focused claims process, Raheja QBE helps protect vehicles that keep businesses running.
Whether you own a truck, pickup, taxi, tractor, or an entire fleet, Raheja QBE commercial vehicle insurance ensures your business stays protected on every journey.
What is comprehensive and third-party policy in terms of commercial vehicle?
In commercial vehicle insurance a third-party insurance covers any damage to a third party that is except your vehicle, and the driver. On the other hand, a comprehensive policy covers the insured vehicle itself (including damage or loss due to accidents, fire, theft, natural events, etc.) as well as third-party liabilities.
What is a passenger carrying vehicle?
A passenger carrying vehicle is a commercial vehicle which charges passengers for the privilege of driving them - often in the form of buses or coaches. Examples are buses, vans, taxis and the like.
What is meant by Goods carriage vehicle?
A goods vehicle is a commercial road vehicle used for transporting goods. These may include trucks, lorries, pick-up vans, tempos and so forth.
What is a miscellaneous and special vehicle type?
Vehicles, which can not be easily placed into the groups of "passenger taking" or "goods taking" vehicles are classified as miscellaneous and special vehicles. Considering a case of the same, such vehicles may comprise ambulances, cinema vans, special purpose vehicles (SPVs), construction site vehicles and/or similar types.
My commercial truck has been in an accident, what should I do?
If your commercial vehicle gets into an accident:
- Engine off (if safe) and make sure all persons are well guarded.
- Assess for injuries and call medical help if required.
- Photograph/videotape the accident scene: vehicle damage, road conditions, skid marks, etc.
- Inform the police (Log an FIR if necessary – in particular where there is injury to a third-party or damage to property).
- Contact your insurance company promptly (you may only have 24-72 hours to report) and go through their claim procedure.
- Have all relevant documents in place: Vehicle registration, policy papers, driving licence, FIR/incident report and photos.
How to get the mobile van repaired in case of damage for my commercial vehicle?
You can have the vehicle serviced at a workshop at any of your insurer’s authorised or network garages (which typically tie-up for cashless claims). If the car is not drivable, have it towed in accordance with your policy. It is a good idea to check with your auto insurer before you start major repairs, to prevent the denial of a claim.
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