Most Trusted Car Insurance
Liberty Car Insurance
Liberty car insurance provides complete protection for your four-wheeler against any unfortunate circumstances that could result in financial loss. The car policy by Liberty General Insurance Limited ensures that you get timely claim assistance whenever your car is involved in a mishap, such as a road accident.
About Liberty General Insurance Company
Liberty General Insurance Company is a joint venture between Liberty Holdings PTE Ltd, Enam Securities and DP Jindal Group. The insurance company started operating in 2013 by providing retail, commercial and industrial insurance solutions.
Liberty General Insurance Company offers various insurance products, including car insurance and more.
Key features of Liberty Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs.15 Lakhs
Network Garages
4,500
No Claim Bonus
Yes
No. of Zero Dep Claims
Unlimited
No. of Comprehensive Claims
Unlimited
Benefits of Liberty Car Insurance
Liberty car insurance offers multiple benefits to its policyholders. They are:
The Liberty General Insurance Company offers a cashless claim facility at more than 4,500 network garages.
Involves simple documentation and an easy inspection process
Portability of No Claim Bonus available for any existing plan from another insurer
24x7 helpline available for customer service assistance for all queries and claim processing
Types of Liberty Car Insurance Policy
Liberty General Insurance Company offers three basic types of motor insurance policy. These are:
Third-Party Liability Only Policy
This Liberty vehicle insurance policy covers a policyholder against third party liabilities, such as third-party injury/death and third party property damage involving the insured car. It helps to fulfil the mandatory requirement of having a third-party insurance cover for every car owner in India. Under this policy, the liability for third party injury or death is unlimited, but third party property damage is only covered up to Rs. 7.5 lakh. However, this policy does not cover damages incurred by the insured car.
Standalone Own Damage Policy
The Standalone Own Damage policy covers the insured car against damages arising due to unexpected incidents like road accidents, theft, fire, natural calamities, etc. This policy only covers the insured car and can be purchased in addition to the third-party liability-only policy.
For instance, if a policyholder already has a third party liability and wants to cover damages to own car, then he/she can purchase a standalone own-damage policy.
Comprehensive Car Insurance Policy
The Comprehensive car policy provides coverage against damages to the insured car along with third-party liabilities. This policy compensates the policyholder in case the insured car meets with an unforeseen incident such as an accident, theft, fire, earthquake, riot, etc. Along with covering the insured car, the comprehensive car insurance plan also covers third-party liability, such as third party injury, death or property damage.
The coverage of a comprehensive plan can also be enhanced by purchasing add-on covers offered by the insurance company at an extra premium amount.
Liberty Car Insurance Premium Calculator
A policyholder can also calculate the premium of the four-wheeler insurance plans offered by Liberty General Insurance Company using a Liberty car insurance premium calculator. This calculator is a quick tool to assess whether the car insurance premium fits your budget requirements or not.
Coverage Under Liberty Car Insurance
What is Covered?
Fire
Any loss or damage due to fire, lightning, self-ignition or explosion is included.
Accidents
Any loss or damages to the insured car due to an accident is also covered.
Burglary
Damages sustained by the insured car due to theft, burglary or housebreaking are covered under the Liberty car insurance plan.
Manmade Acts
Damages arising due to manmade activities like riots, strikes, terrorist activity or any malicious act..
Natural Calamities
Damages due to natural disasters like earthquakes, cyclones, floods, inundations, etc.
Damages Due to Transit
Damages sustained by the insured car whilst in transit by rail, road, air, elevator, lift are included.
Third-Party Liability
A Liberty car insurance plan also covers third party liabilities such as third party death, injury and property damage.
What is not Covered?
Depreciation or Breakdown
Mechanical or electrical breakdown, damage due to depreciation, and wear & tear over time are not covered under Liberty car insurance.
Contractual Liability
Claims where the loss or damage is due to any kind of contractual agreement are excluded.
Drunk Driving or Invalid Licence
Any car damage will not be covered in the event of an accident caused while driving under the influence of intoxicating liquor/drugs.
Civil War
Damages sustained by the insured car due to war, mutiny, and nuclear hazards are excluded.
Outside Geographical Location
Losses or damages sustained by the insured car outside the geographical location, as mentioned in policy documents, are not included.
Unauthorised Use
Any claim arising due to the usage of a vehicle other than agreed or defined is not covered. For instance, using a private car for commercial purposes.
Liberty Car Insurance Add-Ons
Roadside Assistance Cover
If the insured vehicle breaks down somewhere on the road, then this cover will provide roadside assistance.
These include minor repairs, arranging emergency fuel, towing of the insured car, and other services.
Passenger Assistance Cover
A Passenger Assistance cover provides coverage for the passengers travelling in the insured car, such as hospital allowance,
medical expenses and medical transport assistance, in case of an accident.
Depreciation Cover
Under the Depreciation cover, the insurance company provides coverage for the
depreciation borne by the insured car, which is excluded by the basic car insurance policy.
Consumables Cover
The consumables add-on covers the cost of replacing
or refilling consumable items, such as grease, oil filter, nuts, bolts, etc., of the insured car.
How to Renew a Liberty Car Insurance Policy?
To renew Liberty car insurance online, you can follow the below-mentioned steps:
How to File a Claim Under Liberty Car Insurance?
In the event of an accident, loss or damage of the insured vehicle, you can follow these steps to register a Liberty car insurance online claim:
Claim Registration:
Register your claim by intimating the Liberty General Insurance Company about the incident. Once you have intimated the Company, a representative will accept your claim request.
Vehicle Survey:
After the claim has been registered, the insurance company will send a surveyor to inspect the damages sustained by the insured car.
Documentation:
The surveyor will ask for relevant documents for the claim to be processed. Make sure to keep all the required documents for quick claim settlement.
Claim Settlement:
The insurance company will settle the claim with the network garage once your car has been repaired. In case the repair has been done at any non-network garage, then the claim amount shall be remitted directly to the policyholder's bank account within 7 working days.
Documents Required to Raise a Claim Under Liberty Car Insurance
The documents required to raise a claim under Liberty motor insurance are mentioned below:
Car Insurance for Popular Brands in India
FAQs - Liberty Car Insurance
-
How to pay my Liberty car insurance premium?
You can make the Liberty car insurance premium payment through cheque, credit/debit cards, net banking, or UPI. -
How can I check the policy status for Liberty car insurance?
You can contact the nearest branch to check the policy status of your Liberty vehicle insurance. You can also visit Liberty General Insurance Company's official website or Policybazaar.com to check the status of your motor insurance policy. -
What is the policy cancellation process for Liberty car insurance?
If you haven't raised a claim under your Liberty vehicle insurance plan, you can ask for the cancellation of the policy. All you need to do is call customer care and request a cancellation or just visit the nearest branch office. -
Does a Liberty car insurance policy offer personal accident cover?
Yes, a Personal Accident Cover for the owner/driver of Rs. 15 lakh is offered by Liberty General Insurance Company under their four-wheeler insurance plans. -
How to get a liberty general insurance policy download for my car?
You can easily download a policy copy of your Liberty car insurance by visiting the insurer's official website. If you have purchased a policy from us, you can download your policy copy by logging into your Policybazaar.com account.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
