Liberty Standalone Own Damage Car Insurance

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Liberty Standalone Own Damage Car Insurance
  • 4500 Cashless garages

  • Plan starting @ ₹ 2094#

  • 98% Claim settlement ratio

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      Liberty Standalone Own Damage Car Insurance

      With Liberty Standalone own damage car insurance, you can get compensated if your car meets with an unforeseen incident such as an accident, fire, burglary, or calamities. Any car owner who has third-party car insurance and wants to increase the coverage to own damages can purchase this policy from Liberty General Insurance Company.

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      Key Features of Liberty Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Offered
      Zero Depreciation cover Yes
      PA Cover Upto Rs. 15 Lakh

      Coverage Under Liberty Standalone Own Damage Car Insurance

      • Any damage sustained by the insured car due to natural disasters such as typhoons, cyclones, earthquakes, floods etc.
      • Damages sustained by the insured car due to strikes, riots or any other manmade acts
      • Losses arising out of theft, burglary or housebreaking are also covered
      • Losses sustained by the insured car due to fire, explosion or self-ignition are also covered
      • Any damage sustained by the insured car while it was in transit via rail, road, water or air
      • Depreciation, wear and tear, sustained by the insured car
      • Mechanical or electrical failure or breakages are not covered
      • Any accidental damage sustained by the insured car when the driver was under the influence of alcohol or drugs
      • Any damage incurred by the insured car outside the geographical area as mentioned in the policy
      • Damages arising out of civil or nuclear war, invasion, warlike operations
      • Damage sustained by the insured vehicle when the driver was not carrying a valid driving license.

      Add-ons Under Liberty Standalone Own Damage Car Insurance

      A policyholder can also increase the coverage offered by an own damage cover by purchasing additional covers offered with the policy. Here are the add-ons offered under Liberty OD car insurance:

      • Depreciation Cover
      • Consumables Cover
      • Gap Value Cover
      • Roadside Assistance Cover
      • Passenger Assistance Cover
      • Key Loss Cover
      • Engine Protect Cover

      How to Buy Liberty Standalone Own Damage Car Insurance Policy?

      Purchasing Liberty OD car insurance online is not a tough task. At Policybazaar we offer a seamless and fast purchasing experience to car owners. Below we have mentioned easy steps to buy Liberty OD cover from Policybazaar.com:

      • From the homepage of our official website, select the “Car Insurance” option
      • On the form given on the next page, mention your car number and proceed
      • Now select your car’s RTO, make, model, variant and registration year from the next few tables
      • Fill in the proposal form and view car insurance price
      • Now from the given car insurance plans, choose and select Liberty own damage car insurance plan
      • From the “Add-ons and Accessories” table, select the add-ons you want to include in your plan
      • Check and pay the premium amount via desired payment mode
      • Once the premium is successfully paid, the car insurance policy documents will be mailed to your email id.

      Documents Required to Raise Liberty Standalone Own Damage Claim

      To raise a Liberty car insurance claim under your own damages policy, you will need the following documents:

      • Proof of insurance such as a policy copy
      • Copy of vehicle's registration certificate
      • Copy of motor driving license
      • Police FIR
      • Estimates of repair
      • Repair bills and payment receipts

      FAQs

      • Q1. Who should buy a Liberty OD cover?

        Ans: A Liberty own damage car insurance cover can be purchased by policyholders who own a third-party car insurance policy and wish to also increase coverage to damages sustained by their own car. This plan can be purchased as a standalone cover alongside a third-party cover.

      • Q2. How is SOAD different from comprehensive car insurance?

        Ans: The main point of difference between an own damage cover and comprehensive car insurance is the coverage and premium they carry. An own damage car insurance only covers the insured car from unforeseen road incidents. On the other hand, comprehensive car insurance covers both own damages sustained by the car and third-party liabilities as well.

        Moreover, due to the scope of coverage offered, the premium of an OD cover is comparatively less than that of a comprehensive car insurance policy.

      • Q3. How can I calculate own damage premium?

        Ans: You can calculate own damage premium before purchasing a policy by using a car insurance premium calculator. This tool lets you calculate premium based on your car’s model, variant, registration year and other vehicle details.

      • Q4. Is NCB offered with a Liberty own damage plan?

        Ans: Yes. Liberty General Insurance Company offers a No Claim Bonus reward under its OD cover. This NCB discount can be used to receive a discount on policy renewal premium. However, it gets nullified in the event of a car insurance claim.

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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.

      ##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.

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