Liberty Third-Party Bike Insurance

Third-party insurance is mandatory for all bike owners in India. Liberty third-party bike insurance covers multiple liabilities caused to the third party, including death and disability. The policy also covers third-party property damages.

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Liberty third-party bike insurance allows policyholders to choose a personal cover anywhere between one year and five years. The personal accident cover assures a sum of INR 15 lakhs in case of road injury or accident.

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

The table below gives the difference between Liberty third-party bike insurance and comprehensive bike insurance:


Third-party bike insurance

Comprehensive bike insurance


Third party bike insurance covers the third party only, including property and personal damage

It covers the third party as well as the policyholder, including both property and personal damage


It is a standalone cover as no add-ons can be added

You can opt for multiple additional benefits with comprehensive bike insurance


Premiums are lower since they provide limited coverage

Premiums are higher since the coverage is wider


This is necessarily required under the Motor Vehicles Act

This is optional and depends on individual choice

What is Covered under Liberty Third-Party Bike Insurance Plan?

The Liberty Third-Party Bike Insurance covers the following:

  • Third party property damage: This means that if the third party’s property suffers damage due to an accident with the policyholder’s bike, the third-party bike insurance will provide coverage.
  • Bodily injury:
    • If the third party is injured by the policyholder’s bike, then claims arising out of injury, harm, and disability are covered under this policy.
    • Loss of life of the third party is also covered under this policy. The claim amount for both injuries and fatality is determined in court.
  • Damage to the Insured:
    • Fatality – 100% compensation
    • Injuries
      • Loss of one limb – 50% compensation
      • Loss of one eye – 50% compensation
      • Loss of both limbs – 100% compensation
      • Loss of both eyes – 100% compensation
      • Total disability other than above – 100% compensation

What is Not Covered Under Liberty Third-Party Bike Insurance Plan? 

While Liberty third-party bike insurance covers various incidences, some things are not included, such as:

  • Loss or damage due to overdose of alcohol while driving, and if found to be driving without a valid driving license
  • Any significant loss apart from any damage due to lubricating oil leak to:
    • Gearbox
    • Engine parts
  • Engine oil and other consumables during engine flushing
  • Loss, damage, or corrosion due to untimely salvation or notification to the company when the bike is stranded in a water-logged or flooded area


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 33 Reviews)

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Liberty Third-Party 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.

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis