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Liberty General Insurance

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.

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 Awards & Recognitions

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

Liberty Insurance India 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 Insurance Mission

The 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 Insurance Vision

The 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 Insurance Envisions to:

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

Liberty General Insurance Values

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

Liberty General Insurance Community Activities

Liberty Insurance India 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 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 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 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.
  • 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
  • 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.

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 procedure. The steps that follow are listed below:

  • Liberty 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 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 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 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 Insurance or switching from Liberty 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 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 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.

Written By: PolicyBazaar - Updated: 08 July 2020
878,254 Confirmed Cases in India*
13,660,594 Confirmed Cases worldwide*
566,915 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 32 Reviews)
Liberty General Insurance Reviews & Ratings
4.8 / 5 (Based on 32 Reviews)
(Showing Newest 15 reviews)
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.
Vanika
Limdi, July 13, 2020
No claim bonus easily required
I am an old customer of policybazaar and liberty and have been with them from the last 3-4 years. Last year I didn’t file for the claim and got an offer from the liberty that I can avail the no claim bonus certificate from them. I asked for the certificate and they dispatched that certificate to me at my place in next 3-4 working days. And I also received the soft copy in few hours. It was received to me because I didn’t claim for the same last year. Thanks team for policybazaar.
Manmeet
Ladnun, July 10, 2020
Online documentation and work
I recently opted for the car insurance policy from liberty car insurance company and with the help of policybazaar. The whole process of taking the car insurance policy is quite unique and best. I had contacted the customer care of the policybazaar and they assisted me well. All the documentations which were required into the process of taking the car insurance was done online basis. It was quick and easy. And moreover it was a hassle free process. Thanks a lot team.
Kavi
K.singpur, July 06, 2020
Benefits
I got great number of benefits from policybazaar after getting my bike insurance done. It was really an awesome thing.
Shahid
Vadali, July 03, 2020
Customer service
The customer service team is very nice and generous. They understood the need of my type of insurance and shared the same with me.
Jagriti
S.c. Pur, July 02, 2020
Great comparison
Before buying the insurance I compared it with different sites. I searched a lot and I found that I can get the best premium policy from policybazaar only.
Surya
Faizabad, July 01, 2020
Unique plans
The plans which are available in the website of policybazaar is very nice and it helped me to choose the best one for my bike.
Ananya
Aruppukkottai, June 30, 2020
Low premium
I got my insurance from policybazaar and before buying it I checked a lot. The premium rate was quote low and reasonable.
Savleen
Limdi, June 29, 2020
Cashless claim
I got the cashless claim from policybazaar. I am happy with the services of policybazaar. It was quick and hassle free.
Dakshat
Ahmednagar, June 29, 2020
Premium services
Recently, I purchased the two wheeler policy from policybazaar. They provided with the premium services.
Urvashi
Faridabad, June 21, 2020
Low premium good returns
I got a good plan for two wheeler. It is with less premium and better facilities.
Vidya
Abohar, June 21, 2020
Value for money
It is a great plan with value for money. Easy policy and everything is done in smoother way.
Dharmesh
Captainganj, June 21, 2020
Good policy
It is good policy with great plans, great discounts and less premium rates.
Manish
Chabhal, June 21, 2020
Social media available
The social media services of the company is quite nice and they are actively available for us. Whenever I feel need of them I just Tweet and all is done. They helped me a lot.
Farhan
Vaduj, June 20, 2020
Hassle free services
I would like to recommend this policybazaarto everyone who are planning to buy a insurance. A great place to get yourself insured.
Utkarsh
Vadnagar, June 20, 2020
Online renewal
The renewal process of policybazaar is very easy. You just have to go to the my account and select your policy and just renew it.
Emir
Vadnagar, June 20, 2020
Easy renewal
Being an old customer of policybazaar and getting a good services from them. I decided to renew my policy with them only. Thanks team.
Rajesh
Limdi, June 20, 2020
Trustworthy
The insurance company is very much trustworthy and I can rely on them. It has a good market reach.
Rishab
Rabkhavi, June 20, 2020
Transparency
While getting my two wheeler policy done. I am happy with one thing was transparency. They kept all things open and nothing was hidden.
Neysa
Campierganj, June 20, 2020
Brand name
Both the companies are good as per there name : Policybazaar as well as Liberty Insurance. I can rely on them.
Naitee
Bablabona, June 20, 2020
Discounts
The level of services which policybazaar and liberty insurance company are offering are super best. They gave me great discounts.
Mohan
Jagadhri, June 18, 2020
Sports bikes
I got the policy for my sports bike. I really love my bike and want to take good care of that.
Dharmesh
Raath, June 18, 2020
Best coverage
I purchased the policy from policybazaar.com and I got the good plan with great benefits.
Shivi
Jagadhri, June 18, 2020
Protection
The two wheeler plan helps in giving the protection against the liabilities that could arise out of third party.
Bhavin
K.b.p. Pupri, June 18, 2020
Great deals
I got a great deals and plans of two wheeler insurance from policybazaar. It was good to be associated with policybazaar and team.

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