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Check details about Liberty General car insurance on Coverfox "Liberty General Car Insurance is a complete car insurance package offered by Liberty General Insurance Company. With more than 4300+ network garages and 101 offices across India, the company has a claim settlement ratio of 91% for FY 2018-19. The insurer specializes in providing comprehensive industrial, commercial and retail insurance solutions. The car insurance package includes personal accident cover, third party cover, depreciation cover, consumables cover, passenger assistance cover, roadside assistance cover, key loss cover, engine safe cover, accidental cover along with renewal discounts. In addition to private car insurance, you can also buy commercial car insurance from Liberty Videocon on Coverfox."
In India, as per the Motor Vehicles Act of 1988, it is mandatory that every vehicle being driven on the road be insured. This rule applies to your Car too. Broadly, car insurance is divided into two categories i.e. third-party car insurance and comprehensive car insurance. However, you’ll be surprised to know [if you don’t know already] that only the third-party liability insurance is mandatory by law. Buying a comprehensive car insurance policy is a matter of choice. Let’s find out some of the important reasons to insure your car with Liberty General Car Insurance:
Liberty General Private Car Insurance Policy can be customized as per your requirement to get insurance for your private vehicle. Before you plan of buying a car insurance understand your coverage. Ensure you cover your car adequately. It is not advisable to be covered insufficiently.
Third- Party liability insurance
Comprehensive Coverage (Own Damage)
Your Liberty General Car Insurance covers the below:
A standard car insurance policy does not offer insurance for certain damages and events. Now, add-ons would come to your rescue. All you need to do is pay a little extra to cover all your risks. But, don’t forget to opt for the ones that best suits your car. Below is the list of the add-ons offered by Liberty General Car Insurance:
Zero Depreciation Cover: A Zero depreciation Cover, also known as Nil Depreciation policy or a zero dep policy, covers for a full claim for plastic, rubber, glass or fiber parts
Passenger Cover: The Passenger Cover protects the passengers travelling in the car financially against death or disability due to an accident. This cover ranges from as low as Rs.10, 000 and can go higher depending on the insurance company. Therefore, the payout differs as per the nature and intensity of the injury
Roadside Assistance: A car breakdown is not completely inevitable. In case of small or big breakdown or situation like flat tyres, running out of fuel, towing the vehicle, emergency fuel requirement etc. Liberty General Car Insurance offers 24*7 roadside assistance service
Engine Protection: Mind you, in case you live in one of those areas that are prone to heavy rainfall, this cover is a must for you. It protects you against the expenses involved in the repair of your car’s engine in case it is damaged due to submersion in water
No Claim Bonus Protection: Your cautious driving earns you a 20% to 50% No Claim Bonus on your own-damage premium for every successful claim free year. However once you claim, discounts will be reset to zero. This add-on assists you by retaining your discounts even if you tend to make some smaller claims as per the policy terms
Personal Accident Cover: This is an add-on cover where the paid driver as well as the owner of the vehicle is covered. If the owner driver of the car meets with an accident, 100% claim is offered in case of death or disability to the limbs
Key Replacement: If you misplace the ignition keys of your car, the key replacement add-on would be of great use. Maximum of two claims during one policy period is permissible
Consumables Expenses: The cost of consumables are not covered in an insurance policy. Consumables like nuts, bolts, screw, washers, grease, lubricants clip, AC gas oil, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil, etc.
|No. Of Years||Discount|
|One claim-free year||20%|
|Two consecutive claim-free years||25%|
|Three consecutive claim-free years||35%|
|Four consecutive claim-free years||45%|
|Five consecutive claim-free years||50%|
Installation of security devices: If your car is fitted with ARAI approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.
Membership of AAI: If your car is a member to any of the recognized Automobile Associations of India then can fetch you an extra discount
Voluntary discounts: A deductible is nothing but an amount that you need to pay out during an accident or mishap. This deductible plays a major role in determining the car insurance premium. Higher the deductible, lower would be your car insurance premium. If you know you are a safe and responsible driver, opt for a higher voluntary deductible. This will help in getting the cheapest car insurance.
The claims would not be admitted under the below exclusions:
Toll free number (1800-266-5844)
Send an email at email@example.com
Step-by-step claim process is mentioned below:
a) In case of an Car Accident Claims
b) In case of Car Theft Claims
c) In case of Third Party Claims
Liberty General Car Insurance is one of the most suggested names for buying a car insurance. This company caters insurance plans in different sectors and offers attractive and consumer driven benefits for you. This Company ensures 24*7 customer support and an excellent claim settlement process too. Their excellent inspection team offers you high service standards.
How to contact Liberty General car insurance company?
You can send an e-mail at firstname.lastname@example.org or you can also call the toll-free number: (1800-266-5844).
What are the various exclusions under Liberty General car insurance?
The exclusions are listed below:
What are the discounts offered by Liberty General car insurance?
What are the add-on features provided by Liberty General car insurance?
Some of the add-on features provided by Liberty General car insurance are as follows:
What are the various benefits offered by Liberty General car insurance?
The various key benefits are mentioned below: