Liberty Car Insurance

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Liberty Car Insurance
  • 4500 Cashless garages

  • Plan starting @ ₹ 2094#

  • 98% Claim settlement ratio

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      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.

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      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. With a 98% claim settlement ratio, Liberty General Insurance Company aims to become India's most trusted insurance company.

      Key Features of Liberty Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 98%
      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:

      1. 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.

      2. 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.

      3. 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 Mahindra Car Insurance

      • 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.
      • Breakdown: Mechanical or electrical breakdown of the insured car is not covered under the Liberty car insurance plan.
      • Contractual Liability: Claims where the loss or damage is due to any kind of contractual agreement are excluded.
      • Depreciation: Damages due to depreciation, wear & tear over time are also not covered.
      • Drunk Driving: Any car damage will not be covered in the event of an accident caused while driving under the influence of intoxicating liquor/drugs.
      • Invalid Driving Licence: Claims arising when the vehicle is driven without a valid licence
      • 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.

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      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.

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      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.

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      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.

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      Gap Value Cover

      Under the Gap Value Cover, the policyholder will receive the difference between IDV

      and the invoice value of the insured vehicle in case of theft or total loss of the vehicle.

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      Key Loss Cover

      In case the keys of the insured car have been lost, broken or stolen, key replacement add-on cover

      will compensate for the cost of repairing or replacing such keys.

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      Engine Safe Cover

      The Engine protection add-on provides coverage to the policyholder

      in case the insured car's engine or gearbox has been damaged due to water ingression or lubricant leakage

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      Loss of Personal Belongings Cover

      Under the loss of personal belongings add-on, the insurance company

      will provide coverage for the loss or damage to the policyholder's personal belongings in the insured car

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      No Claim Bonus Protection Cover

      An NCB Protection cover will not nullify the No Claim Bonus even if two claims have been made by the policyholder.

      Thus, this add-on cover helps in retaining NCB irrespective of claim registration.

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      Daily Allowance Cover

      Under the Daily Allowance cover, the policyholder will receive a daily allowance

      for up to 20 days in case the insured car is being repaired at the approved garage.

      Read more
      View more Add-ons

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      How to Renew a Liberty Car Insurance Policy?

      To renew Liberty car insurance online, you can follow the below-mentioned steps:

      Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited and select 'Car Insurance' from the homepage

      Step 1: On Policybazaar.com, select the ‘Car Insurance’ tab from the homepage

      Step 2: On the given form, enter your car number and view instant quotes.

      Step 3: Enter the required details and view policy prices

      Step 4: Select the expiry date of your policy and whether you have made the claim or not

      Step 5: Find the Liberty car insurance renewal plan from the given plans. You can also view plan details from here.

      Step 6: Select the add-on covers to your plan and proceed forward

      Step 7: Enter the No Claim Bonus as per your existing motor insurance policy

      Step 8: Fill in the required details and confirm

      Step 9: Now select the option of “Summary and Payment”.

      Step 10: Once the renewal premium has been verified, make payment via card, UPI or net banking.

      Step 11: After successful payment of the premium, your Liberty motor insurance renewal will be complete. You will receive your policy documents at your registered email address.

      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:

      1

      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.

      2

      Vehicle Survey:

      After the claim has been registered, the insurance company will send a surveyor to inspect the damages sustained by the insured car.

      3

      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.

      4

      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:

      • Claim form duly filled and signed
      • Copy of Registration Certificate (RC)
      • Copy of driving licence with the original for verification
      • Police First Information Report (FIR)
      • Original repair/replacement bills (in case of reimbursement claim)
      • Photographs of the damaged vehicle
      • Discharge voucher

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      Average Rating
      (Based on 14 Reviews)
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      Liberty Car Insurance Reviews & Ratings

      4.8 / 5 (Based on 14 Reviews)
      (Showing Newest 10 reviews)
      Jiten
      Gandhi Nagar, January 08, 2024
      Hassle free experience
      I have bought liberty third party car insurance plan for my Maruti Suzuki Swift Dzire. I was amazed as I got it in just a few clicks and even got soft copy instantly. I am very happy with Policy Bazaar's hassle free experience and great customer service.
      Manish
      Indore, November 10, 2021
      Renewal is easy
      I am using liberty car insurance policy which i took from policy bazaar. i just renewed my policy. earlier i was worried about the renewal process but there was no any thing to worry because policy bazaar team is so supportive. they guided me and gave me a brief details of the renewal process. i renewed my policy by myself.
      Premchand
      Ujjain, September 07, 2021
      Add on cover
      when I came to know about the additional features. i customized my car insurance plan and added some more features to it. My plan has enhanced with the help of add on cover. i am satisfied with the overall services.
      Rohan
      Palwal, August 20, 2021
      No claim bonus
      I had taken the Liberty car insurance through the website of policy bazaar. i got no-claim bonus as i did not made any claim. thank you policy bazaar i am happy with my car insurance plan.
      Vishwamitra
      Madanapalle, August 18, 2021
      fastest claim settlement
      It has so many features under my plan which i have bought from liberty car insurance through. they provide the fastest claim settlement as compared to others. while purchasing, i went through hassle-free process and made my payment very easily
      Drishti
      Dabhoi, March 30, 2021
      Third party coverage
      Recently I bought the third-party car insurance plan of liberty car insurance and policybazaar’s customer care team assisted and suggested me the best plan. The plan has given me coverage and also gave the coverage to the third-party person. The plan was taken last month for my Honda city car.
      Mishka
      Ichoda, March 30, 2021
      Network garages available
      I like the liberty car insurance plan as it has numerous number of network garages available. Even they are available near my home. The team is good and I bought the plan from policybazaar site. Great work team.
      Kakul
      Agartala, July 16, 2020
      Claim settled in five days
      I was having a car insurance policy from liberty insurance and it is a nice one. So, recently I have taken the claim from them as my car met with an accident. It was a minor accident and I called the customer care for assistance. My car was sent to the network garage and it took 3-4 days to repair properly. And I got my claim amount money which was cashless in next 4-5 working days. I didn’t have to say anything to them and my work was done in proper and sorted manner. It was a wonderful services
      Ben
      Agalpur, July 15, 2020
      Protective cover plans
      I purchased the car insurance policy from liberty car insurance company from the website of the policybazaar. I got the car plan and for more and better protection I got the add on covers too. The add on covers are very much relevant and it leads to give proper security and safety to me and my car. It was a nice decision of mine to add the covers into my plan. Thanks and kudos to liberty and policybazaar.
      Ashish
      Fakirsahi, July 14, 2020
      All time availability
      I really like the services from the liberty and the policybazaar as they give proper and accurate assistance to their customer. I availed a car insurance policy and was seeking for a assistance from them which was related to car number change. My car number was incorrect into the same and wanted to change it. I called the customer care at around 9 or 10 pm and they were there to assist me firmly. I am quite happy and within a day my issue was resolved. Thank you so much team.

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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.

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