IRDAI product register · general insurance
Raheja QBE General Insurance Policy Wordings
IRDAI's non-life product register lists 24 Raheja QBE products and 55 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Cyber · Motor
Fire and property (6)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Burglary & Housebreaking | IRDAN141RP0013V02200910 | 22 Oct 2021 | Wording |
| Consequential Loss (Fire) Insurance | IRDAN141RP0004V02200910 | 29 Dec 2021 | Wording |
| Plate Glass & Neon Signs/ Glow Signs Insurance | IRDAN141RP0028V02200910 | 17 May 2022 | Wording |
| Raheja QBE Bharat Griha Raksha | IRDAN141RP0041V02202021 | 22 Apr 2022 | Wording |
| The Raheja QBE General Insurance Co Ltd Bharat Laghu Udyam Suraksha | IRDAN141RP0042V02202021 | 22 Apr 2022 | Wording |
| The Raheja QBE General Insurance Co Ltd Bharat Sookshma Udyam Suraksha | IRDAN141RP0040V02202021 | 22 Apr 2022 | Wording |
Shop, office, home and business packages (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| COMMERCIAL PACKAGE INSURANCE POLICY | IRDAN141P0033V01201718 | 5 Feb 2018 | Wording |
Engineering (4)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Electronic Equipment Insurance | IRDAN141RP0011V02200910 | 23 Dec 2021 | Wording |
| Endorsements (Add-ons) for Specialist Insurance Policy for Single Project Design Risks. | IRDAN141A0001V01201617 | 22 Sep 2016 | Wording |
| Machinery Breakdown Insurance | IRDAN141RP0012V02200910 | 30 Jul 2021 | Wording |
| Machinery Loss of Profit | IRDAN141CP0002V01202122 | 16 Sep 2021 | Wording |
Liability (3)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Miscellaneous Professional Indemnity Insurance | IRDAN141RP0021V02200910 | 25 Aug 2021 | Wording |
| Multimedia Professional Indemnity | IRDAN141RP0004V02201011 | 29 Jul 2021 | Wording |
| TechPro Complete Liability Insurance | IRDAN141P0001V01201819 | 25 Apr 2018 | Wording |
Cyber (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Cyber & Data Security Liabilty Insurance | IRDAN141P0034V01201718 | 23 Mar 2018 | Wording |
Motor (9)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Compulsory Personal Accident(Owner Driver) Under Motor Insurance | IRDAN141RP0004V01201819 | 28 Dec 2018 | Wording |
| Liability Only Policy- Commercial Vehicles (Miscellaneous Class of Vehicle) | IRDAN141RP0006V01201920 | 6 Sep 2019 | Wording |
| Liability Only Policy- Commercial Vehicles (Passenger Carrying Vehicle) | IRDAN141RP0005V01201920 | 6 Sep 2019 | Wording |
| Private Car Policy- Bundled | IRDAN141RP0016V01201920 | 31 Dec 2019 | Wording |
| Private Car Third Party Liability Only Policy ( Long Term -3 years) | IRDAN141RP0002V01201819 | 28 Sep 2018 | Wording |
| Standalone Own Damage Policy- Two Wheeler | IRDAN141RP0036V01201920 | 5 Mar 2020 | Wording |
| Two Wheeler Package Policy | IRDAN141RP0035V01201920 | 30 Jan 2020 | Wording |
| Two Wheeler Policy- Bundled | IRDAN141RP0037V01201920 | 5 Mar 2020 | Wording |
| Two Wheeler Third Party Liability Only Policy ( Long Term -5 years) | IRDAN141RP0003V01201819 | 28 Sep 2018 | Wording |
Add-ons filed on their own (53)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| 72 Hours Clause -Add-On cover under SFSP Policy | IRDAN141A0003V01201718 | 6 Oct 2017 | Wording |
| Accidental Damage -Add-On cover under SFSP Policy | IRDAN141A0001V01201718 | 6 Oct 2017 | Wording |
| Accidental Damage including impact damage due to vehicle, animal or aircraft belonging to insured | IRDAN141RP0042V01202021/A0008V01202122 | 7 Jul 2021 | Wording |
| Accidental Damage including impact damage due to vehicle, animal or aircraft beloning to insured | IRDAN141RP0040V01202021/A0004V01202122 | 7 Jul 2021 | Wording |
| Accidental Discharge Of Gas Flooding Systems -Add-On cover under SFSP Policy | IRDAN141A0010V01201718 | 6 Oct 2017 | Wording |
| Capital Additions -Add-On cover under SFSP Policy | IRDAN141A0007V01201718 | 6 Oct 2017 | Wording |
| Claims preparation cost | IRDAN141RP0040V01202021/A0006V01202122 | 7 Jul 2021 | Wording |
| Claims preparation cost | IRDAN141RP0042V01202021/A0010V01202122 | 7 Jul 2021 | Wording |
| Cleaning up and other costs clause -Add-On cover under SFSP Policy | IRDAN141A0025V01201718 | 6 Oct 2017 | Wording |
| Contamination and Co-mingling of stocks -Add-On cover under SFSP Policy | IRDAN141A0011V01201718 | 6 Oct 2017 | Wording |
| Damages to Underground Services -Add-On cover under SFSP Policy | IRDAN141A0017V01201718 | 6 Oct 2017 | Wording |
| Decontamination and Cost of Clean-up Expenses -Add-On cover under SFSP Policy | IRDAN141A0024V01201718 | 6 Oct 2017 | Wording |
| Deferred Payments -Add-On cover under SFSP Policy | IRDAN141A0031V01201718 | 6 Oct 2017 | Wording |
| Deterioration of Stocks in Cold Storage premises due to accidental power failure | IRDAN141RP0040V01202021/A0019V01202122 | 27 Sep 2021 | Wording |
| Deterioration of Stocks in Cold Storage premises due to accidental power failure | IRDAN141RP0042V01202021/A0014V01202122 | 27 Sep 2021 | Wording |
| Deterioration of stocks in cold storage premises due to change in temperature | IRDAN141RP0040V01202021/A0018V01202122 | 27 Sep 2021 | Wording |
| Deterioration of stocks in cold storage premisesdue to change in temperature | IRDAN141RP0042V01202021/A0013V01202122 | 27 Sep 2021 | Wording |
| Duty Liability -Add-On cover under SFSP Policy | IRDAN141A0019V01201718 | 6 Oct 2017 | Wording |
| Employees Personal Property /Effect -Add-On cover under SFSP Policy | IRDAN141A0020V01201718 | 6 Oct 2017 | Wording |
| Escalation | IRDAN141RP0040V01202021/A0003V01202122 | 7 Jul 2021 | Wording |
| Escalation | IRDAN141RP0042V01202021/A0007V01202122 | 7 Jul 2021 | Wording |
| Expediting Expenses -Add-On cover under SFSP Policy | IRDAN141A0005V01201718 | 6 Oct 2017 | Wording |
| Goods and Stocks undergoing any heating or drying process -Add-On cover under SFSP Policy | IRDAN141A0014V01201718 | 6 Oct 2017 | Wording |
| Immediate Repairs -Add-On cover under SFSP Policy | IRDAN141A0006V01201718 | 6 Oct 2017 | Wording |
| Involuntary Betterment -Add-On cover under SFSP Policy | IRDAN141A0002V01201718 | 6 Oct 2017 | Wording |
| Landscaping Cost -Add-On cover under SFSP Policy | IRDAN141A0018V01201718 | 6 Oct 2017 | Wording |
| Leak search / finding cost Clause -Add-On cover under SFSP Policy | IRDAN141A0029V01201718 | 6 Oct 2017 | Wording |
| Leakage and Overflowing of Storage Tanks(Other than water storage tanks) -Add-On cover under SFSP Po | IRDAN141A0012V01201718 | 6 Oct 2017 | Wording |
| Loss minimisation expenses including Fire brigade and Fire extinguishment expenses | IRDAN141RP0040V01202021/A0005V01202122 | 7 Jul 2021 | Wording |
| Loss minimisation expenses including Fire brigade and Fire extinguishment expenses | IRDAN141RP0042V01202021/A0009V01202122 | 7 Jul 2021 | Wording |
| Loss of Rent | IRDAN141RP0040V01202021/A0017V01202122 | 27 Sep 2021 | Wording |
| Loss of Rent | IRDAN141RP0042V01202021/A0012V01202122 | 27 Sep 2021 | Wording |
| Minor Works | IRDAN141RP0040V01202021/A0020V01202122 | 27 Sep 2021 | Wording |
| Minor Works | IRDAN141RP0042V01202021/A0015V01202122 | 27 Sep 2021 | Wording |
| Obsolete equipment Clause -Add-On cover under SFSP Policy | IRDAN141A0030V01201718 | 6 Oct 2017 | Wording |
| Obsolete Parts -Add-On cover under SFSP Policy | IRDAN141A0008V01201718 | 6 Oct 2017 | Wording |
| Outbuilding Clause -Add-On cover under SFSP Policy | IRDAN141A0015V01201718 | 6 Oct 2017 | Wording |
| Property Outside/Away From the Premises -Add-On cover under SFSP Policy | IRDAN141A0021V01201718 | 6 Oct 2017 | Wording |
| Protection and Preservation of Property -Add-On cover under SFSP Policy | IRDAN141A0032V01201718 | 6 Oct 2017 | Wording |
| Rent for Alternate accommodation | IRDAN141RP0040V01202021/A0016V01202122 | 27 Sep 2021 | Wording |
| Rent for Alternate accommodation | IRDAN141RP0042V01202021/A0011V01202122 | 27 Sep 2021 | Wording |
| Road Side Assistance-Standalone Own Damage Policy Private Car | IRDAN141RP0001V01201920/A0002V01202122 | 18 May 2021 | Wording |
| Seasonal Enhancement of Stocks Cover -Add-On cover under SFSP Policy | IRDAN141A0013V01201718 | 6 Oct 2017 | Wording |
| Shutdown Expenses -Add-On cover under SFSP Policy | IRDAN141A0023V01201718 | 6 Oct 2017 | Wording |
| Smoke Damage Extension -Add-On cover under SFSP Policy | IRDAN141A0009V01201718 | 6 Oct 2017 | Wording |
| Tenants Improvement -Add-On cover under SFSP Policy | IRDAN141A0022V01201718 | 6 Oct 2017 | Wording |
| Trace and Access -Add-On cover under SFSP Policy | IRDAN141A0026V01201718 | 6 Oct 2017 | Wording |
| Undamaged Foundations -Add-On cover under SFSP Policy | IRDAN141A0027V01201718 | 6 Oct 2017 | Wording |
| Undamaged Stock and Loss on Re Sale -Add-On cover under SFSP Policy | IRDAN141A0004V01201718 | 6 Oct 2017 | Wording |
| Vehicle Load Clause -Add-On cover under SFSP Policy | IRDAN141A0016V01201718 | 6 Oct 2017 | Wording |
| Waiver of Underinsurance 15% -Add-On cover under SFSP Policy | IRDAN141A0028V01201718 | 6 Oct 2017 | Wording |
| Zero Depreciation - Private Car Package Policy | IRDAN141RP0001V01200809/A0007V01201920 | 17 Dec 2019 | Wording |
| Zero Depreciation- Standalone Own Damage- Private Car | IRDAN141RP0001V01201920/A0017V01201920 | 24 Jan 2020 | Wording |
Names in the register
IRDAI registration number 141. Filed as: Raheja QBE General Insurance Company Limited; Raheja QBE General Insurance Company Limited Escalation.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find Raheja QBE policy wordings?
Above: every Raheja QBE product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many Raheja QBE general insurance products are in IRDAI's register?
24 products and 55 add-ons, approved 2016 to 2022.
Which lines of cover does Raheja QBE file most?
By number of products in the register: motor 9, fire and property 6, engineering 4, liability 3.
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