Liberty Third-Party Car Insurance

Liberty third-party car insurance provides cover for the loss or damage caused to the third party such as bodily injury, car damage, death, etc.

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Third-party rates expected to increase* soon. Renew today!

Save upto 85%* on Car Insurance

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Plans starting @₹ 3443

* TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Top Plans

Liberty General

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Plan type

Comprehensive

Starting from

₹ 3,443

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6-Month Repair Warranty

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To drive the car on Indian soil, you must have to fulfill a legal liability made mandatory by the Motor Vehicle Act 1988. Third-party insurance is the legal liability that you have to fulfill in order to abide by the rules and regulations made by the Government of India. It is for the safety of the citizens itself that provides cover for the third-party liabilities arising out of a road accident.

Liberty Third-Party Car Insurance vs Comprehensive Car Insurance

Let's look at the points of third-party car insurance and comprehensive car insurance before considering car insurance online.

Features	Third-Party	Comprehensive
Coverage	Third-party cover of liberty insurance provides cover for injury, death, property damage for up to Rs. 7.5 lakh	The comprehensive plan of liberty insurance provides cover for the third-party loss or damage as well as own damages up to the IDV
Cost	Low premium rates	Higher premium rates
Add-on covers	Not available	Available on extra payment
Personal Accident Cover	Mandatorily provided by insurer	Mandatorily provided by the insurance company
Legal Requirement	Mandatory by Law	If the car owner wants to get cover for own damages then he/she can purchase it.
Customization	No customization can be done in third-party insurance	Yes, you can customize your comprehensive insurance plan

What Is Covered under Liberty Third-Party Car Insurance?

Liberty third-party car insurance provides financial aid to the insured for causing damage to the third-party vehicle as well as passengers. The third-party insurance plan provides cover for the death, injury, car damage, etc. that comes up after a road accident. If you have third-party insurance by liberty car insurance then you will not have to pay for the third-party loss or damage out of pocket.

Liberty Third-party insurance protects you from the following:

The liberty third-party car insurance offers option accident cover for the hired driver for up to Rs. 2 lakh
The insurer also offers optional accident cover for the unnamed co-passenger for up to Rs. 2 lakh
There is reimbursement of up to Rs. 7.5 Lakh is provided for the third-party property damage.
Liberty third-party covers the injury as well as death caused to the third-party passenger in an accident.
Liberty third-party car insurance provides personal accident cover to the policyholder

The amount for compensation for the permanent disability caused to the third-party whether partial or full is decided by the court of law.

What Is Not Covered under Liberty Third-Party car insurance?

The exclusions of the Liberty third-party car insurance are as follows:

Liberty third-party car insurance does not provide cover for the damages caused to the insured car in an accident.
Liberty third-party car insurance does not provide cover for the damage or loss caused to the third-party if the insured car’s driver is found driving under the influence of alcohol or drugs.
Liberty third-party car insurance does not provide cover to the policyholder if found driving without a valid license.
If the policyholder does not opt for the optional co-passenger cover then no cover will be provided for the injury, disability or death of the co-passenger.

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