Choose Car Insurance from Liberty General just like you chose your car

Car Insurance from Liberty General

Car insurance by Liberty General ensures protection to your prized possession in a complete way against any unforeseen situations. Today, with the vulnerability of accidents going sky high, it is important to buy a car insurance plan that covers all your needs. Liberty General provides car Insurance plans that offer a comprehensive coverage for all possible misfortune events. Liberty General has around 615+ network garages all over India.

Reasons for choosing Car Insurance from Liberty General

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:

  • Covers for any damages/losses caused to the third party
  • Provides comprehensive coverage for your own car
  • Protects your car against theft, natural calamities, etc.
  • Offers cashless transactions through network garages
  • Provides complete peace of mind through stress-free rides
  • Offers 24*7 claim assistance
  • Offers quick and hassle-free claim settlement services
  • Has a network of more than 615 cashless garages across the country

Key Benefits – Car Insurance from Liberty General

  • Customer Service: This Company has an excellent team of customer service that offers good and hassle-free pre-sales as well as post-sales services
  • Claim Settlement: This Company has a very clean record for claim settlement. All settlements are done within 7 working days hassle-free
  • Add-ons: This Company offers essential add-ons for your car at an affordable costs. These add-ons enhance your basic car insurance. Depreciation cover, No-Claim Bonus Protector, etc. to name a few
  • Portability: This company offers flexibility to port your existing No claim bonus to any other insurer
  • Cashless claim: This company has more than 615 cashless network garages

Private Car Insurance Coverage from Liberty General

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

  • Covers bodily injury and/or death of third party
  • Property damage to third party

Comprehensive Coverage (Own Damage)

  • Third- party coverage
  • Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
  • Personal accident cover for the occupants

Personal Accident Cover

  • Liberty General Car Insurance will pay sum insured of Rs. 2 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death
  • An accident can leave you impaired to earn your as well as your family’s earning. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement

Your Liberty General Car Insurance covers the below:

  • Loss or damage caused by natural calamities
  • Total Loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Personal accident cover which could include passengers also
  • Own-damage cover
  • Third-party liability cover

Add-on Features – Car Insurance from Liberty General

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.

Discounts offered – Car Insurance from Liberty General

  • No claim bonus: You are eligible for a NCB discount on your own-damage premium for every claim-free year .It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current car and purchase a new one.
    The following table shows the NCB grid:
No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • 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.

Exclusions – Car Insurance from Liberty General

The claims would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process – Car Insurance from Liberty General

Contact Details:

Website: www.libertyinsurance.com

Toll free number (1800-266-5844)

Send an email at care@libertyinsurance.in

Step-by-step claim process is mentioned below:

a) In case of an Accident

  • Immediately contact Liberty General on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Liberty General's registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Bill in case of a reimbursement claim is required
  • In case of cashless service submit only the Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
  • Give a brief description of the loss or damage for the car
  • Mention the details of the persons suffered injuries due to the accident or died in the accident
  • Photographs of the damaged vehicle needs to be submitted
  • Take appointment with the surveyor and take your vehicle to any of Liberty Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • The Company would confirm the liability
  • In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

b) In case of Theft

  • Immediately contact Liberty General on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Liberty General’s registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted if required
  • Photographs of the vehicle needs to be submitted
  • Submit the NOC given by the financer for total loss and theft
  • Submit the Power of Attorney or Subrogation in case of total loss
  • Submit the discharge voucher
  • Set of the car keys
  • Submit the indemnity bond
  • Original Repair Bill in case of a reimbursement claim is required
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police
  • The Company would confirm the liability and settle your claim

c) In case of Third Party Claims

  • Immediately contact Liberty General on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Liberty General’s registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted if required
  • Take appointment with the surveyor and take your vehicle to any of Liberty General Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • The Company would confirm the liability
  • In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

Review - Car Insurance from Liberty General

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.

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