Liberty General Insurance

Incurred Claim Ratio - 106*
*Data according to IRDA Annual Report (2017-18)
*Please note that the quotes shown will be from our partners

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.

Backed with Liberty Mutuals’ 100 years of expertise and knowledge, Liberty General Insurance Company Limited works towards building a customer centric business to address varied needs of both individual and corporate clients. The company has a vast insurance portfolio, which includes both personal and corporate insurance. It offers private car insurance, two wheeler insurance and health insurance. The company 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 organisations and individuals.

Liberty General Insurance Product Portfolio
Liberty General Health Insurance:

Liberty General health insurance is designed for all hospitalisation and healthcare needs.

  • Liberty Health Insurance Policy: The policy is designed to cover all healthcare and hospitalisation needs including pre and post-hospitalisation 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 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 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 provides 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 plan 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 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, scooter, mopeds etc.

  • Liberty General Two Wheeler Package Policy: The comprehensive insurance plan covers against 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 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 hospitalised 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 from 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 benefit as well as cover for repatriation of remains and funeral expenses. Add-on covers include accidental hospitalisation expenses, daily cash for hospitalisation, 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 enrol up to the age of 75 years. The policy is renewable for life but has to 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, the company 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
    • 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 Benefit 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.
    • Workmen Compensation Insurance Policy
    • Employees Compensation Policy
  • 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 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 Package Policy
  • 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

It is advisable to compare all Liberty General insurance plans with plans from other general insurance companies in India to choose the best insurance plan that suits you the most.

Liberty General Insurance - Latest News

  • 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.

Liberty General Insurance Reviews

May 13, 2016

Good Service

I own liberty videocon two wheeler insurance policy plan. The policy is great with good benefits. Large number of garages are facilitate services. The tow facility is also there for free. Policy coverage is high ~86% and the claims are even better. Good investment, I like the plan.

May 13, 2016

Fantastic plan

I purchase liberty videocon health insurance plan. The policy coverage is high approx. 87% and the policy claims are high. The service facilitate by the staff members is very fast so the claims are easily sanctioned. The ambulance is also facilitate for free. Good future investment which provides good security.

February 04, 2016


Searching for the insurance for my car and finally got the policy which i want from Liberty Videocon General Insurance. The services are very good and premium is average. The claims are high. 90% of city garages are available for the services.
Plan Name: Private Car Policy
Agent Code: BPW00069

December 20, 2015

Very good service!!

I am having car insurance from liberty Videocon car insurance. The best part is that the damage of the parts of the vehicle will include the metallic parts for reimbursement. They are giving claim bonus for certains claims. Car insurance recovery is very fast procedure. They are also very supportive and helpful. :-)