Liberty General Insurance

Liberty General Insurance Company Limited is a joint venture between Industries Limited and Liberty Citystale holdings PTE Ltd, a group company of US-based Liberty Mutual Group which is an eminent global property and casualty group.

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Liberty General Insurance

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    Backed with Liberty Mutuals' 100 years of expertise and knowledge, Liberty General Insurance Company Limited works towards building a customer-centric business to address the varied needs of both individual and corporate clients. Liberty General Insurance Company has a vast insurance portfolio, which includes both personal and corporate insurance. It offers private car insurance, two-wheeler insurance, and health insurance. Liberty General Insurance also provides property, engineering, employee benefits, liability insurance, and fleet insurance under its corporate segment. Headquartered in Mumbai, Liberty General Insurance Company Limited has 20 offices across 18 cities in India.

    Liberty General Insurance Company Limited strongly believes that insurance plays an imperative role in meeting different needs of organizations and individuals.

    Why Liberty General Insurance?

    The Liberty General Insurance Company is helping people to live a safer life and provide more security. The reasons for selecting Liberty General Insurance are as follows:

    • 5000+ Partner Hospitals: Liberty General Insurance Company has a huge network of affiliated hospitals that are spanned across the country. With a vast network, the company makes sure that you can get your needed healthcare assistance anywhere in India.
    • 4300+ Partner Garages: The main reason for having a vehicle is to travel and while on a journey a breakdown can happen anytime anywhere. This is the reason Liberty General Insurance has more than 4300+ garages across the country. So that you may get your car issues addressed without facing any problem.
    • High Claim Settlement Ratio for FY 2018 – 19: The claim settlement ratio of Liberty General Insurance Company for the Financial Year 2018 – 19 is 91%, which is good. To make the claim settlement process hassle-free, the agents of Liberty General Insurance are always there to help.
    • 110 Offices Across India: The offices of Liability General Insurance Company are spread across 90 locations of India, where the trained agents of the company are there to guide you in finding the right cover as per your requirements. Despite the type of help you need related to your insurance plan, an agent from Liability Insurance is there to help.

    Liberty General Insurance Awards & Recognitions

    Liberty General Insurance has been felicitated with an industry award for its excellence in customer services, industry contribution, and technology implementation.

    Liberty General Insurance has always remained customer-focused. The company is dedicated to offering a better life and peace of mind to all the individuals with its personalized insurance solutions.

    They take every step towards creating a responsible and secure environment and pave the path towards becoming India’s most trusted general insurance providers.

    Liberty General Insurance has bagged the following awards and recognitions since its inception-

    • Employer of the Choice - Word Marketing Council in 2014
    • IDC Insights Awards 2016
    • Most Influential Retail Leaders - CMO Asia in 2017
    • Excellence in Partner Marketing at ACEF Asian Leadership Awards
    • Digital Transformation Award 2016
    • CEO of the Year- General Insurance Category in India Insurance Summit Awards 2018
    • Future of Marketing and Summit Awards 2018
    • Employer of Choice - World Marketing Council in 2014
    • Model Insurer Asia - Digital and Omni Channel Award 2017

    Liberty General Insurance Mission and Vision

    Liberty General Insurance Mission

    Liberty General Insurance Company aims to become the most trusted and admired insurance providers in India, by creating sustainable values, ensuring seamless customer services, convenient dealing process, and empowering all the employees.

    Liberty General Insurance Vision

    Liberty General Insurance Company endeavors to help people live a safe and secure life. Also, to offer more than what other insurers have to offer and to become an attentive and empathetic insurer of choice for its customers.

    Liberty General Insurance Envisions to:

    • Establish long-lasting customer relationships, ensure fair conduct and transparency in all the transactions, and supporting the buyers throughout the journey
    • Establish long term relationships with the partners and helping them grow
    • Ensuring employee satisfaction, through empowerment and personal growth

    Liberty General Insurance Values

    • Trust - Building relationships on trust with all the stakeholders
    • Respect & Dignity - Treating customers/stakeholders/employees with respect and dignity
    • Passion - Positive and Passionate Environment
    • Agility - Quick assessment and response
    • Commitment - Commitment to results and on-time services

    Liberty General Insurance Community Activities

    Liberty General Insurance endeavors to participate in the community activities and believes it their duty to serve the society and its people with the following activities:

    For the People

    • Distribution of food and necessities to the needy people, orphans, old, and specially-abled people
    • Distribution of books among poor children

    For Awareness

    • Conducting road safety programs and traffic rules workshops

    For the Environment

    • Tree Plantation
    • Cleanliness Drive

    Other Miscellaneous Activities

    • Blood donation camps
    • Story-telling activities

    Liberty General Insurance Product Portfolio

    Liberty General Health Insurance:

    Liberty health insurance is designed for all hospitalization and healthcare needs.

    Liberty Health Insurance Policy:

    The policy is designed to cover all healthcare and hospitalization needs including pre and post-hospitalization expenses, day-care procedures, and domiciliary treatment, among others. The plan comes in three options - Basic, Elite, and Supreme. The policy is available for a period of 1 or 2 years depending upon the choice of the insured. The plan offers restoration of the sum insured benefit to take care of future claims, and also offers no age-related renewal restrictions. The plan offers complimentary health check-ups after two years of continuous policy renewal.

    Liberty Group Health Insurance Policy:

    The group health insurance policy from Liberty General Insurance provides employees/members a flexible and custom health insurance plan. The plan is available on an individual or a floater basis for the family. The family comprises of the spouse, children, parents, parents-in-law, and siblings. The cover is available to any employee between the age of 18 and 65 years.

    Liberty General Car Insurance:

    Liberty General Insurance comprehensive coverage that covers your car against third party liability as well as all losses such as fire, theft, riots, flood, etc.

    Liberty General Private Car Package Policy:

    The car insurance policy offers comprehensive coverage for mandatory third party liability, and for losses or damages to the car from man-made or natural causes. It offers personal accident cover for the owner-driver as well as the occupants. Man-made or natural events that are covered under the policy include fire, theft, explosion, burglary, riot, strike, earthquake, flood, cyclone, accident, malicious act as well as terrorist activity.

    Liberty General Two-Wheeler Insurance:

    Liberty General two-wheeler insurance has exclusive features and benefits for all types of two-wheelers like bikes, scooters, mopeds, etc.

    Liberty General Two Wheeler​ Package Policy:

    The comprehensive insurance plan covers the third party disputes as well as damages to the vehicle including partial or total loss of the two-wheeler. The policy covers all two-wheelers including scooters, motorcycles, bikes, mopeds, auto-cycles, and mechanically-assisted bicycles.

    Liberty General Accident Insurance:

    The accident insurance plans from Liberty General Insurance offer protection against any unforeseen accidents that may occur and result in permanent or temporary total or partial disability, or even death. The plans help the insured or their family members to pay off expenses when the bread-winner is hospitalized or incapacitated in any way from earning for the family.

    Individual Personal Accident Policy:

    The plan covers the insured and his/her family members against minor accidents occurring from daily activities, and major accidents or physical loss due to death or disablement due to accident-related bodily injury. The plan offers additional value-added covers such as child education benefits as well as cover for repatriation of remains and funeral expenses. Add-on covers include accidental hospitalization expenses, daily cash for hospitalization, child education support benefit, life support benefit, ambulance hiring charges, legal bail expenses, and loan protector, among others.

    Janta Personal Accident Insurance Policy:

    This is a rural personal accident protection plan and covers for accidental death and other benefits. The minimum entry age is 5 years to 18 years for children while adults can enroll up to the age of 75 years. The policy is renewable for life but has to be renewed every year. The policy offers worldwide coverage.

    Liberty General Corporate Insurance:

    The company offers various corporate solutions designed to protect businesses, corporations, engineering firms, and industrial units. It also offers plans to protect the property and also offer cover against liabilities that may arise due to carrying on of duties in the normal course of business.

    Liberty General Engineering Insurance:

    Meant to provide adequate cover for construction and infrastructure projects, Liberty General Insurance provides a range of policies and packages to guard against any risk that the business may face in the course of operations.

    • Erection All Risk Insurance Policy
    • Commercial General Liability Policy
    • Machinery Breakdown Insurance Policy
    • Boiler Pressure Plant Insurance Policy
    • Machinery Loss of Profit Insurance Policy
    • Contractor Plant and Machinery Insurance Policy
    • Contractor’s All Risk Policy
    • Electronic Equipment Insurance Policy

    Liberty General Property Insurance:

    The policies guard against any damages to the property from fire, floods, or theft.

    • Fire Loss of Profit Insurance Policy
    • Industrial Risk Insurance Policy
    • Standard Fire Special Perils Cover

    Liberty General Employee 1Benefit Insurance:

    The policies help businesses to protect their most valuable assets - their employees. Liberty General offers employee benefit plans that help the business to take care of their workers.

    Liberty General Liabilities Insurance:

    The Liability Only policies help protect individuals from any legal disputes such as malpractice, negligence, or even injury that may arise in the normal course of fulfilling one's responsibilities. These policies protect professionals such as doctors, lawyers, company directors, etc. from any claim or damages required of them and events leading to which occurred while they were discharging their normal duties.

    Liberty General Miscellaneous Insurance:

    The range of miscellaneous policies from Liberty General Insurance help corporations and businesses to insure themselves against any liabilities that may arise and which are not covered under standard policies.

    • All Risks Insurance Policy
    • Signage Insurance Policy
    • Baggage Insurance Policy
    • Fidelity Guarantee Insurance Policy
    • Burglary Insurance Policy
    • Money Insurance Policy
    • Plate Glass Insurance Policy

    Liberty General Fleet Insurance:

    The policies help businesses to protect their commercial vehicles against any damages or loss. These may include unforeseen damages incurred in the normal course of business or due to accidents. The policies cover against all types of vehicles from two and three-wheelers to cars and buses used for business - whether for carrying customers or goods

    commercial vehicle insurance

    Liberty General Marine Insurance:

    The marine insurance policies help protect against any loss or damage to the cargo when it is in transit by air, road, rail, sea, or courier.

    Marine Cargo Insurance Policy

    Do not forget to compare all the Liberty General insurance plans with plans from other general insurance companies in India, which will help you to make a better choice.

    Premium Payment Process of Liberty General Insurance

    The insurance company follows both online and offline payment procedures. The steps that follow are listed below:

    Liberty General Insurance Online Payment Process

    To make it the most convenient and hassle-free procedure for its customers, the insurance company ensures a smooth online payment process.   You can make the required payment online through net banking, credit, or debit cards. Just keep the policy documents and policy number handy, in case any information is required.

    Liberty General Insurance Offline Payment Process

    Those who are not comfortable with the online payment procedure can pay it offline. For offline payments, the policyholder can visit the nearest Liberty General Insurance branch and follow the procedure.

    Liberty General Insurance Renewal Procedure

    Just like the payment procedure, even the policy renewal procedure is made simple and convenient. Here how it is done:

    • Liberty General Insurance Online Renewal Process - The insurance company ensures that the insured members do not have to go through any hassles while renewing their policies from them. Their online platform makes it possible to renew your current insurance policy online an also make the payment using digital methods.
    • Renew Insurance Plans From Other Insurers - The customers can also renew their existing policies from other insurers with liberty General insurance. And all the policy benefits shall remain the same.

    Liberty General Insurance - FAQs

    • Q1. What is an endorsement in general insurance?

      Ans: The customer can issue an endorsement at the time of policy purchase, during the policy term and at the time of renewal.  It is used to update any additional information and additional benefits that the insured might need to add in the policy. For instance, deductibles, legal liability to the paid driver, etc. Consequently, any changes in the policy documents such as name, address, vehicle information can be implemented through the endorsement. 
    • Q2. Can I transfer my No Claim Bonus? Is there a specific rate?

      Ans: Yes, NCB is transferrable. If you are switching to Liberty General Insurance or switching from Liberty General Insurance to another insurance company then you can get your accrued NCB transferred. This is usually applicable when the vehicle is renewed within a specific time frame from the expiry date. The rate of NCB will remain the same at the time of transfer.
    • Q3. How is Liberty car insurance premium determined?

      Ans: Usually, the car insurance premium is decided on the basis of the following parameters:
      • Age of the vehicle
      • Model Type
      • The cubic capacity of the engine
      • Geographical zone
      • Insured Declared Value
    • Q4. What are the benefits of having legal liability cover for a paid driver?

      Ans: Legal liability cover for a paid driver proves to be beneficial in case the paid driver meets with an accident while driving the insured vehicle. If he is also insured then the insurance company will also recompense for the loss.
    • Q5. What kind of general insurance policies does Liberty General Insurance offer online?

      Ans: Liberty General Insurance offers a variety of general insurance products to meet the different needs of its customers. The products can be summarized as follows:
      • Liberty General Two-wheeler Insurance Plans
      • Liberty General Car Insurance Plans
      • Liberty General Personal Accident Insurance Plans
      • Liberty General Health Insurance Plans
      • Liberty General Commercial Insurance Plans
    • Q6. How do I renew an expired Liberty motor insurance policy?

      Ans: You can buy Liberty car or two-wheeler insurance policy even if you have missed the expiry date. Since there has been a break, the insurer will get your vehicle physically inspected by an authorized person. The No Claim Bonus will remain as per the prevailing rules and policies.
    • Q7. Can I avail cashless facility in all the hospitals?

      Ans: Liberty health insurance plans make cashless facilities available only at the registered hospitals. You can check the complete of network hospitals online on their website.

    Liberty General Insurance - Latest News

    • Liberty General Insurance Gets Rs 100Cr Fund Infusion From Promoters

      Liberty General Insurance has received a capital infusion of Rs 100 crore from its group of promoters in July 2020, the private sector general insurance company said. The company now holds a total invested capital of Rs 1,834 crore, inclusive of share premiums.

      The promoters group comprises of Liberty Mutual Insurance Group, DP Jindal Group and Enam Securities. The fresh capital infusion rubbishes all speculations and rumours of any sale of stakes.

      According to CEO and Director of Liberty General Insurance, Roopam Asthana, the latest infusion of capital in the company reflects the promoters’ confidence and commitment in the insurer to grow profitably in the coming years despite the current economic slowdown in India.

      Liberty General Insurance had recorded a growth of more than 36 per cent in the year 2019-20. As of 30 June, the insurer has a solvency ratio of 2.65 as opposed to the required ratio of 1.5. This reflects sufficient capital support to the company for planned future growth.

      Liberty General Insurance had witnessed a change in shareholdings in February 2018. As per the Insurance Regulator IRDAI’s guidelines, the current group of promoters are locked-in for a period of five years that ends in 2023. Ever since the insurer has undertaken several rounds of capital infusion.

    • Liberty General voices intentions of establishing new offices

      LVGI Company, a JV between the India based Videocon Industries and Liberty City State Holdings (a part of US-based multinational company, Liberty Mutual Insurance Group), declared its intent to establish multiple offices across the pan India locations. LV General Insurance Company started operating in the nation in the calendar year 2013, with existence in a few cities in the country.

      It has announced its plan to open many more offices in various cities in India. Giving views on the this development, the country head for the retail business department of the Liberty General Insurance Company, Pankaj Arora, stated that the insurance provider has made vigorous growth since its operational launch in the year 2013.

      The company is now planning to take this growth to another level, by extending its presence to a number of other locations. He also stated that the company is planning to open up about 40 more office in the tier 2 and tier 3 cities in India within the upcoming four months. The step, as per him, is expected to take the company’s presence to nearly 80 places across the Tier one, two, and three cities of the country.

    • Liberty General Insurance Company to launch a mobile-based home assurance product in 2016

      LVGI or Liberty General Insurance Company will bring in a mobile-based product to simplify claims-settlement and purchase of home insurance products, stated a top official from the company. The general insurance provider that started up its venture in 2013 might use mobile phone technology in order to support in achieving this objective, stated the Director and CEO of LVGI, Roopam Asthana. Asthana, though did not elaborate much about the product, however, he did give a confirmation about the products release in the market within the calendar year 2016.

      The company is planning to approach the Insurance Regulatory and Development Authority of India to get an approval for the launch. Asthana also revealed that the company is doing this with intent to be recognized as a special company that aims at customer satisfaction and making insurance processes simpler for them. They planning to attain the market leadership by focusing on improvement in the customer experience. Roopam also told that to work on the project, the insurer’s Indian digital team is going collaborate with its foreign associate’s, i.e. Liberty Mutual Insurance’s Innovation Lab based in the US.

    • Online health insurance facility introduced by Liberty General Insurance Company

      The joint venture company of Liberty City-state Holdings, (a division of Liberty Mutual Insurance based in US) and Videocon Industries Limited of India, Liberty General Insurance Company, announced Liberty Health Connect to launch on an online platform.

      Liberty Health Connect is a health insurance product offered by Liberty General Insurance Company.

      After getting a positive response for Liberty Health Connect Plan from all over India since its launch in December 2014, the company has now brought the product online. This has been done to make the product available to the customers at affordable prices. Liberty General Insurance has adopted this technological or online route, to make the process of buying this product as easy as making a click. This step would make sure that the customers can buy the product with ease and enhance the technological front of the company.

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    Liberty General Insurance Reviews & Ratings

    5 / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    East Midnapore, September 29, 2020
    Variety of plans
    I have taken the liberty general insurance plan and it is really good. I have got to know about different plans at same place. Kudos to team policybazaar.
    Dabhoi, September 29, 2020
    Claim settled
    My claim was settled in less than 4 days. I took the liberty general insurance plan from the policybazaar. It was easy to do. Thank you policybazaar.
    N.paravur, September 29, 2020
    Network partners
    I have taken liberty general insurance policy from the policybazaar. I took the car insurance plan and it was really good. The insurance company has really good network garages. Thank you policybazaar.
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