Liberty Car Insurance

Liberty General Insurance is a joint venture between Liberty Citystate Holdings PTE Ltd (a group company of the US-headquartered Liberty Mutual Insurance Group) and Liberty Industries Limited that began operations in 2013, offering comprehensive insurance solutions across India. Over the years, it has earned notable industry recognition, including the “Prompt Insurer” award at the ET Now Insurance Summit 2024 for its excellence in claims settlement and operational performance and the “Rising Star Insurer” title at the Indian Insurance Awards. Car insurance is a key offering of the insurer, and Liberty Car Insurance is a product that combines global expertise with locally tailored motor insurance products designed to provide robust protection and efficient support for car owners.

Here are the key highlights of Liberty Car Insurance:

Under the Liberty Private Car Package Policy, coverage is structured to address both everyday risks and unexpected emergencies, with flexibility to enhance protection through add-ons.

Key coverages include:

• Own Damage Cover (Private Car Package Policy):

Protection against damage to your car due to road accidents, collisions, overturning, fire, explosion, self-ignition, lightning, theft, burglary, and housebreaking.

• Natural Calamities:

Loss or damage caused by floods, cyclones, storms, earthquakes, landslides, hailstorms, and inundation.

• Man-Made Disasters:

Coverage for riots, strikes, malicious acts, vandalism, and terrorist activity impacting the insured vehicle.

• Third-Party Liability Cover:

Mandatory protection against legal liability arising from injury, death, or property damage caused to a third party.

• Personal Accident Cover for Owner-Driver:

Financial compensation in case of accidental death or permanent disability of the registered owner while driving the insured car.

• Zero Depreciation Add-on (Optional):

Unlimited zero-depreciation claims to ensure higher payouts without factoring in parts depreciation.

• Custom Add-on Covers:

Options such as engine protect, roadside assistance, consumables cover, and key & lock replacement to tailor the policy to your driving conditions.

While the Liberty Private Car Package Policy is comprehensive, certain exclusions apply to maintain fair risk assessment.

Major exclusions include:

• Driving Without a Valid Licence:

Any damage or loss if the car is driven by an unlicensed, disqualified, or underage driver.

• Driving Under the Influence:

Accidents occurring while driving under the influence of alcohol, drugs, or intoxicating substances.

• Normal Wear and Tear:

Gradual deterioration, such as tyre wear, mechanical breakdowns, or ageing of parts not linked to an accident.

• Consequential Engine Damage:

Engine or gearbox damage caused due to water ingress unless covered under the engine protect add-on.

• Use Outside Policy Terms:

Losses arising when the car is used for racing, speed testing, commercial purposes, or other unauthorised usage.

• Electrical or Mechanical Failure Alone:

Standalone electrical or mechanical faults not resulting from an insured peril.

• Deliberate or Fraudulent Acts:

Intentional damage or claims arising from misrepresentation or fraud.

Enhance your Liberty car insurance policy with these add-ons to boost protection, reduce out-of-pocket expenses, and enjoy greater peace of mind on the road.

1. Depreciation (Zero Depreciation) Cover

This add-on allows you to claim the depreciation amount deducted on replaced parts during an admissible Own Damage claim.

Key Conditions

• Repairs must be carried out only at Liberty General’s authorised network garages.

2. Consumables Cover

Covers the cost of consumable items that are used up or rendered unusable during repairs following an insured loss.

Covered Consumables Include

Engine oil, lubricants, grease, oil filter, brake oil, AC gas, clips, bearings, nuts and bolts, screws, washers, and other perishable parts.

Special Conditions

• The claim must be admissible under the Own Damage section.

• Original bills/invoices from Liberty-authorised garages are mandatory.

• Repairs must be completed within three days from the date of loss.

Exclusions

• Claims in case of total or constructive total loss.

• Labour charges and service taxes related to consumables.

• Bills from non-authorised or local garages.

3. Gap Value Cover

Pays the difference between the claim amount under the Own Damage section and the original invoice value of the car.

Additional Benefits

• Covers road tax and first-time registration charges, if declared and additional premium is paid.

Special Conditions

• Vehicle age must not exceed three years at policy inception.

• Loss must be a total loss, constructive total loss, or total theft.

• The insured must be the first registered owner.

• Vehicle must be manufactured in India.

• Liability is limited to the sum insured stated in the policy schedule.

Exclusions

• Imported vehicles.

• Vehicles not owned by the first registered owner.

4. Roadside Assistance Cover

Provides nationwide assistance through Liberty-approved service providers in case of breakdown.

Covered Services

• Towing to nearest network garage

• Minor on-site repairs

• Flat tyre assistance

• Emergency fuel arrangement

• Key lock-out support

• Alternative transport to nearest safe location

Special Conditions

• Charges for non-standard services, spare parts, or excess fuel are payable by the insured.

Exclusions

• Assistance from unauthorised vendors

• Costs of fuel or replacement parts

5. Passenger Assistance Cover

Ensures protection for occupants travelling in the insured car.

Coverage Includes

• Hospital daily allowance

• Medical expenses

• Medical transport assistance

Special Condition

• Medical treatment must be taken from registered medical practitioners recognised by their respective medical councils.

6. Key Loss Cover

Reimburses expenses related to lost, damaged, or stolen car keys.

Coverage Includes

• Cost of replacing lost, broken, or damaged keys

• Replacement after break-in where vehicle security is compromised

Mandatory Requirement

A police report confirming the incident must be submitted.

7. Engine Safe Cover

Protects against repair or replacement costs of the engine and gearbox due to specific accidental causes.

Covered Scenarios

• Water ingression into the engine

• Oil or lubricant leakage caused by accidental damage

Special Conditions

• Evidence of water submersion or waterlogging is required.

• Vehicle must be taken to the garage within 24 hours after water levels recede.

• Liberty General must be informed within three days.

• The engine must not be cranked or push-started after water damage.

Exclusions

• Damage covered under manufacturer warranty or recall

• Engine or gearbox damage due to delayed intimation or delayed vehicle retrieval

You can buy Liberty Car Insurance online through Coverfox:

1. Go to the Coverfox Car Insurance Page
   Visit the Coverfox online portal and navigate to the Car Insurance section.

2. Enter Your Vehicle Details
   Input your car registration number, make, model, year of manufacture, and other basic details as prompted.

3. Compare Quotes from Insurers
   Coverfox will show you multiple car insurance plans including those from Liberty General Insurance. Check options such as Third-Party and Comprehensive Plans with estimated premiums.

4. Select the Liberty Car Insurance Plan
   Choose the Liberty General Insurance plan you prefer (e.g., comprehensive cover with add-ons) from the list of providers shown.

5. Choose Coverage & Add-Ons
   Customise your policy by selecting required coverages like Zero Depreciation, Roadside Assistance, Engine Safe Cover, etc., directly within the Coverfox interface.

6. Enter Personal & RC Details
   Fill in details such as your name, contact information, Registration Certificate (RC) data and driver’s licence information.

7. Review Policy and Premium
   Check your Insured Declared Value (IDV), premium amount, coverage inclusions, and add-ons before proceeding.

8. Make Secure Payment
   Pay the premium using online payment modes (net banking, credit/debit card, UPI) to complete the purchase.

9. Get Policy Documents Instantly
   After successful payment, you will receive your Liberty Car Insurance policy documents by email and SMS. You can download them anytime from your Coverfox account.

Liberty Car Insurance is designed with policyholder convenience and real-world usage in mind, offering several benefits that are distinct to its motor insurance framework.

• Cashless Claims at 6,000+ Network Garages

Liberty Car Insurance provides access to a 6,000+ strong cashless garage network across India, allowing repairs without upfront payments. Claims are settled directly between Liberty General Insurance and the authorised garage, reducing financial stress during accidents.

• No Claim Bonus (NCB) Portability & Retention

Liberty allows NCB portability, enabling you to carry forward your accumulated No Claim Bonus when switching from another insurer. Additionally, Liberty supports NCB retention during policy transfers, helping policyholders preserve premium discounts earned over claim-free years.

• Unlimited Zero Depreciation Claims (with Add-on)

Unlike policies with capped benefits, Liberty offers unlimited zero depreciation claims under its depreciation add-on, ensuring higher payouts without deductions on replaced parts.

• 24/7 Claims Assistance

Liberty General Insurance offers round-the-clock claims assistance, ensuring immediate support during accidents, breakdowns, or theft, irrespective of time or location.

• Dedicated Telephonic Customer Support

Policyholders can access dedicated telephonic support from 8:00 AM to 8:00 PM, seven days a week, for claims guidance, policy queries, endorsements, and renewal assistance.

• Flexible Coverage with Custom Add-ons

Liberty stands out by offering highly condition-specific add-ons such as Engine Safe Cover, Gap Value Cover, Consumables Cover, and Passenger Assistance—allowing customers to customise protection based on vehicle age, driving conditions, and usage.

• Easy Renewal & Insurer Switching

Whether renewing an existing Liberty policy or switching from another insurer, Liberty offers a simple renewal flow with continuity of benefits like NCB and add-ons, ensuring no loss of coverage history.

Liberty Car Insurance offers access to a 6,000+ cashless garage network across India, enabling policyholders to get their cars repaired without paying repair bills upfront. To locate an authorised garage, Liberty provides a dedicated online garage locator.

How to Search Cashless Garages on Liberty’s Website

You can find a nearby network garage by visiting the official link below: https://www.libertyinsurance.in/garage-locator.html

Steps to search for a cashless garage:

1. Open the Liberty General Insurance Garage Locator page using the link above.

2. Select your state and city from the dropdown options.

3. View the list of Liberty-authorised network garages available in your chosen location.

4. Note the garage details such as name, address, and contact number, before visiting.

To avail cashless claim benefits and avoid delays or claim rejections, always ensure that your car is repaired only at Liberty General Insurance’s authorised network garages. Repairs carried out at non-network or local garages may require reimbursement processing and can impact claim eligibility under certain add-ons.

Toll-Free Number: 1800-266-5844 Available from 8:00 AM to 8:00 PM, seven days a week

Customer Care Email: care@libertyinsurance.in For policy queries, claims assistance, and general support

First Escalation Email: Manager@libertyinsurance.in For concerns not resolved through customer care

Final Escalation Email: ServiceHead@libertyinsurance.in For unresolved grievances after prior escalation

Registered Office Address:
Liberty General Insurance Ltd.
Unit 1501 & 1502, 15th Floor, Tower 2,
One International Centre, Senapati Bapat Marg,
Prabhadevi, Mumbai – 400013, Maharashtra

Disclaimer: The details presented on this page are for informational purposes only, directly taken from the Liberty General Insurance Company official website. Any coverage or plan details are subject to change as per policy. Refer to your policy document for exact coverage and the official website for any updates.