L&T General Insurance

4.1 / 5 based on 46 User Reviews
Incurred Claim Ratio - 86*
*Data according to IRDA Annual Report (2015-16)
*Please note that the quotes shown will be from our partners

L&T General Insurance Overview:

L&T General Insurance Company Limited (L&T Insurance) is completely owned by Larsen & Toubro Limited. It was founded by two Danish engineers Soren Kristian Toubro and Henning Holck-Larsen in 1938. The L&T General insurance has business interests in construction, information technology, engineering, manufacturing goods, and financial services. It is now one of the largest general insurance companies in India’s private sector. K. Venkataramanan is the Chief Executive & MD of L&T General Insurance Company Limited. Endowed with prestigious awards, the general insurance provider delivers affordable insurance services to its customer.

Larsen & Toubro Limited was listed in the 2009 issue of Forbes “World’s Most Reputable Companies”. The L&T General Insurance company was ranked at 14th place in top 500 companies in India in year 2011. The survey was taken by Economic Times. In 2012, Forbes ranked L&T as 9th most innovative company at global level. The L&T Power was awarded with Golden Peacock National Quality Award in 2012 on leadership & quality of governance.

Policies From L&T General Insurance Company : 

  • L&T Health Insurance
  • L& T Car Insurance
  • L&T Two Wheeler Insurance
  • L&T Personal Accident Insurance
  • L&T Home Insurance
  • L&T Corporate and commercial Insurance

L&T Health Insurance:

You go for exercises, stay on diet food, and eat only organic food, all this and more to keep you fit and healthy. Now, add one more thing to your health basket and you will be sorted - a health insurance or medical insurance plan. Yes, it is a must! Remember to compare and buy the one that suits you best.

  • my:health Medisure Prime Insurance: This L&T Insurance plan is a feature rich product that comes with a service guarantee to ensure your family’s health. It focuses on understanding a family’s unique health needs and provides a plan to protect against any expenses. The sum insured amount ranges from Rs. 3 to 10 lakh in multiples of 1 lakh.
  • my:health Medisure Classic Insurance: The my:health Medisure Classic Insurance plan is a carefully designed insurance solution that understands your family's unique health needs and provides a step-wise plan to ensure their complete well-being. This health insurance policy offers a lifetime renewal benefit. L&T General Insurance offers a claims service assurance that promises quick claim processing. The policy does not require any medical tests for people below the age of 50 years and who have no adverse history of illnesses or medical conditions.
  • my:health Medisure Super Top Up Insurance: The top up insurance plan works alongside your current health insurance policy and enhances it to provide a larger cover at a much lower premium. You can opt for this policy even if you do not have an existing health insurance policy. The affordable policy requires no medical tests up to the age of 55 years if you do not have any existing illnesses.
  • my:health Medisure Plus Insurance: This L&T Insurance policy is a thoughtfully designed insurance solution that is tailor-made to your unique health requirements. The L&T General Insurance plan covers all possible aspects to protect your health and also offers unique features such as guaranteed response times, cumulative bonus, and health check up benefits. The custom insurance policy offers a choice of covers based on your individual needs.

L&T Car Insurance:

L&T Insurance plans provide protective covers that offer complete comprehensive cover which includes both third party cover and own damage cover.

  • my: asset Private Car Package Policy: The my: asset Private Car Package Policy is a comprehensive plan and offers a wide range of optional covers and deductible choices based on individual requirements. This car insurance policy from L&T General Insurance covers your car from all possible dangers whether man-made or natural. The overall cover depends on the Insured Declared Value (IDV) of the car and the optional or additional covers you have taken.
  • my: asset Private Car Liability Only Policy: This L&T Insurance is a third party liability policy and protects the owner of the car against damages sustained by any third party from the insured vehicle. It does not insure against any damages suffered by the occupants inside the car or liabilities arising from them or against any damages to the car itself.
  • my:jeevika Commercial and Miscellaneous Vehicles Package Policy: This L&T Insurance policy has been specially designed for commercial vehicles that serve as the assets for a business. The policy aims to protect the business owners against any losses that may occur due to an accident or damage to the vehicle. Optional add-on covers are available to suit specific industries and requirements.

L&T Two Wheeler Insurance Plan:

It would be best to buy two wheeler insurance to protect yourself from the liabilities that may arise because of two-wheeler theft or accident. A two-wheeler insurance plan is a comprehensive protection plan that will reduce your financial liability to the minimum in case a mishap takes place.

  • my: asset Two Wheeler Liability Policy: The policy is meant to protect the owner from any damages or liabilities arising from third parties. The owner can also take on additional covers to pay for damages to the two wheeler or to protect against damages to the occupants.

L&T Personal Accident Insurance Plans:

Personal accident plans from L&T General Insurance Company offer protection and many financial benefits to the insured and his family in the event of an accident or death. The benefits offered include compensation for a physical loss (death or disablement) due to an accidental injury within a period of 12 months from the date of the accident and an annual increase of 5% in the sum insured on every renewable.

  • my:health Personal Accident Insurance: The policy protects against any mishaps that may occur and lead to bodily injuries and even death. It offers financial compensation as well as additional benefits to take care of the living expenses of the insured party or surviving family members

L&T Home Insurance:

A house is the most prized material possession of a man. It takes years of hard work and toil to buy your dream house. So why not protect it? Home insurance protects your house against damage from fire, smoke, storms, vandalism, theft and other hazards. It’s recommended to get your home insured, so that not only you but your generations to come are able to enjoy home, which you built through sheer hard-work.

  • my:asset Insta Home Insurance: The my:asset Insta Home Insurance policy offers on-the-spot cover for complete protection of homes and belongings. Premium calculations are transparent and the process of buying a policy is quick, hassle-free and seamless. One can choose from a range of insurance premium as per individual needs. There is a choice of 4 sub-plan options, all of which have fixed sum insured and fixed price.
  • my:asset Primary Home Insurance: The my:asset Primary Home Insurance plan have pre-approved value-added features making it complete protection for one’s home and everything considered valuable. The L&T policy offers a choice of eleven different covers to protect your house and belongings. You can simply choose from a range of insurance premium amount as per your needs.
  • my:asset Premium Home Insurance: L&T General Insurance’s my:asset Premium Home Insurance plan offers complete protection to you home and all valuables. It provides a total of 28 different covers to protect the house and its belongings. The options available allow insuring one’s lifestyle and everything one values.
  • my:asset Super Home Insurance: The my:asset Super Home Insurance plan can be bought over the phone without any documentation hassles, considerably reducing the time to purchase a policy. The plan gives a choice of 20 different covers to protect the home and the belongings inside. A wide range of insurance amounts are available and can be chosen as per individual requirements.

L&T Corporate and Commercial Insurance

L&T also offers a range of policy covers for the corporate sector. These include covers for protection against burglary, housebreaking, electronic equipment, machinery breakdown, etc. The company also offers group health insurance policies.

  • my:jeevika Personal Accident Micro Insurance
  • my:jeevika Cash@hospital Micro Insurance
  • my:jeevika Medisure Micro Insurance
  • Standard Fire & Special Perils Insurance                
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • Burglary and Housebreaking Insurance                 
  • Contractor's All Risks Insurance
    Erection All Risks Insurance        
  • Contractor's Plant & Machinery Insurance
  • Combined Public and Product Liability Insurance                              
  • Commercial General Liability Insurance                 
  • Marine Cargo Insurance               
  • Public Liability (Act) Insurance
  • Workmen's Compensation Insurance
  • Neon Sign Insurance
  • Plate Glass Insurance

L&T SME Insurance

L&T General Insurance brings a range of general business insurance solutions for the SME sector.

  • my:business Commercial Establishment Insurance
  • my:business Hospitality and Leisure Insurance
  • my:business Retail Establishment Insurance
  • my:business Educational Institution Insurance

It is advisable to compare all L&T General Insurance plans from other General insurance companies in India to choose the best insurance plan that suits you the most.

L&T General Insurance Company - Latest News

  • HDFC Voices Intentions of Purchasing L&T General Insurance

    Housing Development Finance Corporation, a leading financial institution in India, has voiced intentions of purchasing Larsen & Toubro General Insurance, one of its competitors. This move by HDFC, considered to be a leading mortgage provider, is seen as a move towards potential consolidation of India’s insurance sector.

    L&T General Insurance is a relatively small competitor of HDFC and the takeover bid is still expected to take a few months to materialize. If this acquisition is completed, HDFC Ergo, the general insurance brand of HDFC is expected to gain a competitive advantage against its key competitors such as ICICI Lombard, National India, United India, and New India Assurance.

    Larsen and Toubro General Insurance Company initiated its operations in 2010-2011 and currently operated 15 branches across India. During the 2014-2015 fiscal, it recorded gross premiums of Rs. 331 Crores with retail health insurance and motor insurance driving its business.

  • L&T company to sell its 49% stake in insurance division

    L&T or Larsen and Toubro, the engineering and infrastructure company has plans to divest its 49 per cent stake from its general insurance armand sell it to a foreign company. The companies are expected to close the deal within upcoming 3 to 6 months.

    The Company is one among the very few insurance companies in the market without a foreign partner. It is solely owned by Larsen and Toubro.

    An official from the company said, this sale of stakes is majorly focused at raising additional capital from the market. He also said that the company has been doing the same alone so far and is targeting to bring in an overseas partner to handle underwriting and technological aspects.

    Sources have claimed that L&T might get about Rs. 600 crore if its stake is sold at five to six per cent of its assets under management. L&T MF is also planning to improve its distribution spread and is expected to sell some stake to a domestic bank.

Reviews for L&T General Insurance

October 07, 2016

Bike Insurance!!!Go For L&T

No other insurance policy can beat l&t two wheeler insurance policy plan. Service is quick and always on time which is given by the executives and members of the insurance company. Management of the insurers are so good that each customer get assist at the same time which reduces waiting time in the long queue.

October 07, 2016

Free Tow Car Service

The car insurance I have is from l&t general insurance company ltd. Service is fantastic with 24X7 customer support. Garages are many and they all provide good service of the vehicle. Tow car service is absolutely free of cost. Renewal of the policy is so simple by online portal service.

October 07, 2016

Everyone Must Have Health Insurance

Very Important to have a health insurance policy which reduces the upcoming expenses in the future. I have one form l&t general insurance company. Service is good and claims are easy to sanctioned due to fast and on time service given by the executives and staff members.

October 03, 2016

More Benefits

Bike insurance from l&t general insurance gives more benefits than others. Service is fantastic provided by the members of the company. Coverage is high and claims are simple to sanctioned and amount is also high. Tow service is free and renewals are done through online portal service.

October 03, 2016

Fast Reimbursement

L&T general insurance company is good in service. The coverage is high approx. 89% and claims are easy to get. The reimbursement is fast of damage to the car. The accidental death benefit is in-built in the insurance policy. Renewal of the plan is in few clicks on online portal of the company's site.

October 03, 2016

Genuine Health Plan

Policy which I have had all the things which I wanted in my health insurance policy. Premium is less, coverage is high, Claims are good and easy to sanctioned. Service is fantastic and on time. Executives and other staff members assist the customers 24X7. Lucky to have you L&T insurance company.

August 30, 2016

Bike insurance

The two wheeler insurance for my new bike is very nice which i buy from l&t general insurance. Policy covers maximum expenditure for any accident or scenarios. Claiming is easy to sanctioned. Online renewals simple to do through online portal.

August 30, 2016

Coverage Is Good

Coverage of my car insurance policy is awesome. Service provided by executives and staff of the company is fast. Big number of garages are facilitate superb service. Tow car service is absolutely free of charge at any location.

August 30, 2016

Best Policy

Best policy purchased from l&t general insurance company ltd. Now i'm tension free for my health and future related issues. Coverage is maximum and premium is very less. Service is fantastic and on time given by the executives.

August 17, 2016

L&T Insurance

My two wheeler insurance is superb which i buy for my new bike. The premiums is less but the returns are not. Good policy coverage approx. 90% and the claiming is easy due to fast service. Easy online renewals through online portal which can be accessed easily by anyone.

August 17, 2016

Car Insurance Plan

My car insurance is fantastic which i bought from l&t insurance company. The policy is good and it covers maximum parts of the car, except tires. Service is fast and tow car facility is free of cost at any location. There is inbuilt benefit for driver/owner of the insurance policy for accidental scenarios.

August 17, 2016

Good Plan

I have very nice health insurance policy from l&t general insurance company. The policy coverage is high and claiming is easy because of fast service provided by the executives and staff members. Updates regarding insurance policy is mailed to me regularly by the company.

August 05, 2016

High Coverage

I purchased two wheeler insurance plan for my new bike and it gives full protection to the bike and accidental benefits to the driver/owner. Tow facility is available for free at any location. Policy coverage and claims are high and premiums are low. Easy online renewals through online portal service.

August 05, 2016

Good Service

My two wheeler insurance plan is from l&t general insurance which is very nice and good number of benefits. Policy coverage is high and premiums are less. Claims are the best because it sanctioned easily with the help of company members and executives.

August 05, 2016

Car Security

I buy car insurance plan from l&t insurance company. The policy coverage is high and claims are even better. Services are the best and on time too. The car tires are not included in the insurance policy rather than this the whole car is secure with the plan.

August 05, 2016

Health Care

The l&t health insurance plan i have choose is great policy and it come's in low investment. Policy coverage is also nice and claiming is simple. Updates and renewals of the policy can be made through online website and portal.

August 03, 2016

Two Wheeler Policy

L&T two wheeler insurance policy is the best plan for middle class people who can't afford high premium policies. The service provide by you guys is awesome and because of that the claiming become more easy. Less paperwork and documentation due to services.

August 03, 2016

Vehicle Security

The l&t two wheeler insurance policy i have purchased for my new bike is fantastic. It has low premiums and the payback returns are pretty much high. Service is no doubt fabulous with on time availability. Claiming is so simple and renewal can be done on online portal.

May 13, 2016


I purchase L&T two wheeler insurance for my new bike. The policy is great which provide 90% coverage and the claims are high. Service is fast and even the tow facility is for free. Good services facilitate by the executives and staff members. Good investment, I like the plan.

May 13, 2016

Superb Plan

I bought L&T personal accident insurance plan. The policy coverage is high and the premium is low. Service is fast which facilitate by the executives. Good plan which secure the future unwanted problems. I like my policy. Good job guys.

May 13, 2016

Good Service

I buy L&T home insurance plan. The policy coverage is high and the claims are even better. Good service facilitate by the executives and the staff members. The natural damage like fire, That all cover in the policy. Many items and belongings are also insured in the plan. Nice investment which makes me tension free.

February 18, 2016


I buy L&T health insurance plan with great benefits. Like policy coverage is 90% and the premiums are low. The claim is Rs.3 lakh and the procedure to get claim is really easy because the service is fast and always on time.
Plan Name: my:health Medisure Classic
Agent Code: BPW00177

February 13, 2016

Nice Health Policy

Health insurance from l&t general. The policy have nice features like claims and policy coverage nice with 90% payback on the spot. The service fast and ambulance is free of cost from door to hospital and back to house.
Agent Code: BPW01850

February 13, 2016

Policy Documents not received

Hello, Last month I bought a L&T Insurance car policy no. 915101006207000000 through Policy Baazar. Till date I have not received policy documents (Hard Copy). Perhaps this has happened due to wrong postal address which I noticed in the soft copy. Pl

February 11, 2016

Car plan

I bought car plan through l&t insurance. The plan is not that good as i expected. The premium is normal but the claim is less approx. one lakh. And no toe service. The policy coverage is 70% and not for fiber parts. Not fully satisfied.
Plan Name: my:asset Private Car
Agent Code: BPW01117