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Liberty General Insurance

Liberty General Insurance is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US-based Liberty Mutual Insurance Group, DP Jindal Group and Enam Securities. Its aim is to provide a range of commercial, private, and industrial insurance solutions to various business and individuals.

It is a robust collaboration of two heavy weights from the business world

Liberty General Insurance commenced its operations in India in 2013. The company offers good product portfolio with insurance products for car, two wheeler and health insurance.

Interesting Facts of Liberty General Insurance

  • Liberty mutual insurance group has been in existence since 1912 having experience in finance for more than a century.
  • It is also global business conglomerate with worth of about $ 5 Billion.
  • The company was awarded with Model Insurer Asia – Digital & Omni Channel award in May 2017

Product Portfolio of Liberty General Insurance

Motor Insurance by Liberty General Insurance

Liberty General Insurance offers a comprehensive protection for your car and two wheeler so you do not have to worry about the unforeseen and unfortunate accidents.

Private Car Package Policy

You will come across both smooth and bumpy roads. Your car is symbol of your great achievement and you want it to last for long. Liberty Videocon private car package policy helps you to always get back on track and go past all the snags that come along the way.

Liberty General Insurance adds convenience and balance to your car coverage by offering comprehensive protection.


  • Loss or damage from natural or man-made calamities
  • Personal accident cover for loss of limb, sight, disablement or death
  • Liability for third party injury/death and loss to property

Extra coverage for additional premium

  • Electrical and non-electrical accessories cover
  • Accident cover for co-passengers
  • Paid drivers legal liability cover

Add-on covers for extra premium

  • Depreciation cover
  • Consumable cover
  • GAP Value cover
  • Passenger assist cover
  • Roadside assistance cover

Two Wheeler Package Policy

Two wheeler Insurance by Liberty General package policy helps you to be prepared well in advance for the perils you come across on the road. You can avert the risks but cannot control them. Two wheeler insurance not only covers your two wheeler but also yourself along with the mandatory third party cover.


  • Damage to own two wheeler from accident
  • Mandatory third party liability
  • Loss or damage due to man-made or natural calamities

Extra covers for additional premium

  • Cover for electric and non-electric parts
  • Personal accident cover for co-passenger

Multi-year Two Wheeler Package Policy

There is no debating on the importance of having a comprehensive two wheeler insurance. It is easy to miss out on the date of renewal due to our busy life and the result can be catastrophic.

Make it easier and much more hassle-free with Liberty General Insurance's Multiyear two-wheeler insurance policy which gives you a longer tenure.


  • Option of choosing policy term of 2 or 3 years
  • One-time hassle free premium payment
  • Avail additional NCB benefits in case of no claim
  • Get annual protection against third party premium
  • Protection against annual premium inflation

Health Insurance by Liberty General

Health insurance by Liberty General products offer smooth countrywide cashless medical insurance across a wide-ranging network hospitals. Let’s have a look at their health insurance policies.

Health Connect Policy

It is designed to cover all your hospital and health care needs. Health connect policies have four different variants to meet different requirements and needs.

E- Connect

  • Offers sum insured option of INR 3 – 7.5 lakhs.
  • Restore benefit of sum insured
  • Loyalty perks


  • Sum insured options from INR 2 – 10 lakhs
  • Loyalty perks
  • Daily hospital cash of INR 500


  • Sum insured options from INR 3-15 lakhs
  • Restore benefit of sum insured
  • Loyalty perks


  • Sum insured options INR 2 -15 lakhs
  • Restore benefit of sum insured
  • Loyalty perks
  • Nursing allowance
  • Recovery benefit

Health Connect Supra

Health Connect Supra offers financial cover over and above the basic sum assured in your policy. It is available in two variants – Top Up and Super Top Up plans.

Top Up Plan – The sum insured for top plan goes up to INR 20 lakhs.

Super Top Plan – The sum insured for super top up plan goes up to INR 1 crore.


  • Pre and post hospitalisation expenses
  • In patient treatment cover
  • Day care procedures
  • Loyalty perk/No claim bonus


  • Cashless claims facility in over 3600 network hospital
  • Tax benefit on premium payable
  • Discount for multi tenure policy of 2 or 3 years
  • Coverage of pre-existing on renewal of long term policy of 3 years

Individual Personal Accident Policy

You cannot predict an accident and it can happen anytime and anywhere to anyone. Personal accident cover gives you and your family the financial aid you will require for the consequence of the accident.

The coverage includes minor accident arising out of day to day activities, and also covers major accidents or physical loss arising due to disablement or death in the event of an accidental bodily injury. The policy pays compensation for accidental death or disablement happening anywhere in the world. The policy covers self, spouse and two dependent children aged between 3 months and 25 years.

You can add optional covers for extra premium

  • Accidental Hospitalisation Expenditure
  • Accidental Hospital Daily Cash
  • Broken Bone
  • Life Support Assistance
  • Ambulance Charges
  • Family Transportation
  • Child Education Support
  • Loan Protector
  • Outstanding Bills Protection
  • Legal Bail Expenses
  • Double Indemnity

Other insurance products under health plan

  • Secure Health Connect
  • Janta Personal Accident Insurance

Liberty Commercial Insurance

Liberty General Insurance company offers commercial insurance products that covers assets of the business including employees to ensure coverage against the various risks. They are specialists in providing commercial insurance solutions for different businesses that best suit their needs and requirements.

The following are the commercial insurance products offered by Liberty General Insurance:

  • Employee Benefit Insurance
  • Engineering Insurance
  • Marine Insurance
  • Corporate Health Insurance
  • Liability Insurance
  • Commercial Vehicle Package Policy
  • Miscellaneous Insurance
  • Property Insurance

Claim Process of Liberty General Insurance

During the time of crises, filing a claim can be stressful. Liberty General Insurance has come up with a convenient and simple process to ensure quick claim processing sans the hassle.

Motor Claims Process

  • Register a claim by calling the company on 1800 266 5844 or register it on the company website.
  • Survey will be organised within 24 hrs in city limits and 48 hrs outside city limits.
  • After survey the vehicle is moved to a garage for repairs.
  • Submit the documents (list available on company website) at the garage for our surveyors to verify and pass the claim.

Health Claims Process

Liberty General Insurance has appointed Vipul Med Corp TPA for quick and hassle-free claims process.

Below is the process:

  • Please intimate TPA at least 48 hours prior to planned hospitalisation and in case of an emergency situation, intimate us within 24 hours of post hospitalisation.
  • Register the claim by - Calling Toll Free Number 1800 102 7477 (between 8:00am to 8:00pm, 7 days of the week) Or Email -
  • Send a written claim intimation letter to appointed TPA or the applicable branch office by post or courier. You can locate a Vipul Med Corp TPA branch next to you on the company website.
  • After informing, TPA representatives will then get in touch with you and guide you through the claims process.
  • For a detailed overview of the claims process and documents required, please refer to the Claims Guide Booklet document which is available on the Liberty General Insurance Company website under claim assistance section.

Review of Liberty General Insurance

Liberty General Insurance offers a good range of general insurance policies which offer comprehensive insurance solutions to individuals and businesses. The joint venture has a strong successful business background and its excellent experience is reflected in their well-defined insurance products and services.

Contact Details of Liberty General Insurance

Liberty General Insurance Co. Ltd.

10th floor, Tower A,

Peninsula Business Park,

Ganpatrao Kadam Marg,

Lower Parel, Mumbai 400 013

Phone: 1800-266-5844

Board line: 022 6700 1313

Fax: 022 6700 1606

FAQs on Liberty General Insurance

What do you mean by premium bearing endorsement?

An endorsement for which additional premium is charged is called premium bearing endorsement. For example – addition of LPG/ CNG kit in a car, change of RTO location etc.

How do I add or remove hypothecation from the car insurance policy?

It is an easy process, all you have to do is simply send the updated Registration copy or letter from the bank to our nearest branch or email us at

What is Domiciliary Hospitalisation Treatment coverage?

Domiciliary hospital or treatment cover is the coverage for medical expenses incurred for treatment taken at home, on account of patient’s condition or non-availability of a room at the hospital.

What do you mean by Loyalty perks?

Loyalty perks are rewards given to the policy holder for every consecutive claim free year. For every year that you don’t make a claim, your sum insured will be increased by 10% up to a maximum of 100% for the basic sum insured.

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