Liberty Comprehensive Bike Insurance

Comprehensive bike insurance covers damage or loss of bike for both the policyholder and the third party. Liberty comprehensive compensates for eventualities that may arise from accidents, theft, or natural occurrences.

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Liberty comprehensive bike insurance policy covers the damages for both the third party and the policyholder. Third-party bike insurance is important because it is mandatory in India. Not having third-party coverage can lead to loss of money through fines, imprisonment, or settlement to the affected party. Apart from the third party liability cover, it provides coverage for damages caused to the insured vehicle.

Liberty Comprehensive Two-wheeler Insurance vs. Third Party Two-Wheeler Insurance

It is important to note why one may choose comprehensive bike insurance, especially when third-party insurance is only mandatory. The differences between comprehensive bike insurance and third-party bike insurance are given in the table below:


Comprehensive Bike Insurance

Third-Party Bike Insurance

Liabilities Covered

Covers liability for both third party and the policyholder. Includes both bikes and the persons.

Covers only third-party liabilities. Includes both bike and person.

Add-on Covers

Additional covers are available, such as zero depreciation cover.

Add-ons are not available.


Premiums are higher, but the policy provides wider coverage.

Premiums are lower since coverage is focused only on third-party.

Liberty Comprehensive Bike Insurance Benefits

The Liberty comprehensive bike insurance provides many benefits. They are:

  • Time-Saving: You can save time with roadside assistance and online claim process
  • Security: You get peace of mind with this bike insurance, knowing that you are covered for road emergencies
  • Multiple add-ons: There are many add-ons possible with comprehensive insurance that enhance the protection

What is covered under Liberty Comprehensive Bike Insurance Plan?

Liberty comprehensive bike insurance policy comes with various features. For example, on every renewal, there are possible discounts. Additionally, Liberty comprehensive bike insurance policy provides roadside assistance cover.

Liberty comprehensive bike insurance policy covers the following:

  • Damage or loss of insured bike due to the following reasons:
    • Fire
    • Theft or burglary
    • Civil commotion
    • Natural disasters like earthquakes, landslides, and floods
    • Accidents
    • Intentional damage
    • Terrorism
    • Transit
  • Inclusions for third-party:
    • Death of a third party, which includes people in the other vehicle.
    • Damage to the bike of third-party
  • Inclusions for first-party:
    • Personal accident cover provides protection to the owner/driver:
      • 100% compensated for the death
      • 100% compensated for the loss of both limbs
      • 100% compensated for the loss of both eyes
      • 50% compensated for the loss of one limb
      • 50% compensated for the loss of one eye
      • 100% compensated for any permanent and total disability
    • Covers the damages to the owner’s bike

What is not covered under Liberty Comprehensive Bike Insurance?

While all the points given above are under the coverage of Liberty comprehensive bike insurance, there are specific exclusions too:

  • Any loss covered by external parties, such as:
    • Manufacturer
    • Other insurance providers
  • Substantial loss apart from damage to internal engine parts due to leakage of lubricating oil
  • Substantial loss apart from damage to gearbox due to leakage of lubricating oil.
  • Engine oil and other consumables required to flush an engine
  • Unruly maintenance or service on policyholder’s part
  • Delay in notification to the provider that bike is in a water-logged area, which then leads to corrosion


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Liberty Comprehensive Bike Insurance Reviews & Ratings

4.7 / 5 (Based on 33 Reviews)
(Showing Newest 10 reviews)
Vadodara, August 18, 2021
Instant updates
I bought Liberty Two wheeler insurance policy from policy bazaar.i liked this policy for their features and giving the cashless claim at more than 600 network garages and hassle free documentation. they keep on giving prompt update to their customers that is why i chose it.
Rajendra Nagar, June 04, 2021
Easy to renew
I recently renewed my two wheeler insurance policy from the website of the policybazaar. It was the plan of liberty two wheeler insurance and I really like it and thats why I want to renew and continue with it.
Pune, June 04, 2021
Discounts available
It is one of the easiest way to buy a liberty two wheeler insurance plan online. I had bought the plan online from policybazaar and even got a huge discount. It was quick and hassle free.
Partapgarh, June 04, 2021
Bought plan of my choice
I had bought the liberty two wheeler insurance plan of my choice and I really love it. I had checked various plans into the website of policybazaar and found the suitable one. Thank you team.
Jabalpur, February 10, 2021
Multiple Plans
I have been using Policybazaar for a couple of years to insurance my Bajaj Pulsar bike. They offer multiple policies with lower premiums. I have been renewing my Liberty two wheeler insurance policy every year at Policybazaar and I am satisfied with their services. I will again renew my policy with them and advise you too.
Idar, February 10, 2021
Low Premiums
I purchased a new Honda Splendor bike last month and was looking to buy insurance policy for my bike. I decide to check Policybazaar on my friend’s idea. They had so many affordable insurance plans with a variety of coverage. I bought my Liberty two wheeler insurance policy for an affordable premium online. I recommend it to everybody.
Padampur, February 10, 2021
Best Buy
I recently purchased my Liberty two wheeler insurance policy for my Honda Activa scooty from Policybazaar. They had a lot of insurance options and I chose this plan because it was affordable and had my choice of coverage. I bought the policy within a few minutes. The website is great to buy the best insurance policy.
K.singpur, July 06, 2020
I got great number of benefits from policybazaar after getting my bike insurance done. It was really an awesome thing.
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.
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.