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Liberty General Two Wheeler Insurance

Learn more about Liberty Videocon Two Wheeler insurance / Bike Insurance Plan online on Coverfox.

Liberty General, a collaboration of Liberty Citystate Holdings PTE Ltd and Enam Securities and DP Jindal Group, is a trusted name in the insurance space. The company understands the cumbersome process of claiming the benefits of a two wheeler insurance and hence, provides comprehensive two wheeler insurance plans that protect your vehicle from all risks.

Liberty General offers renewal discounts, quick claim settlement, third party cover and many other attractive benefits that make it a preferred choice for two wheeler insurance amongst vehicle owners.

Key Features Of Liberty Two Wheeler Insurance

  • Renewal Discounts: Liberty General Two wheeler insurance offers discounts on timely renewals
  • Lost Key Assistance: Offers lost key assistance in case you misplace the keys of your bike
  • Third Party Cover: Offers third-party insurance cover in case of death or bodily injury of a third-party, property damage to the third-party up to Rs.1 lakh and personal accident cover for the owner driver
  • Quick Claim Settlement: Offers hassle-free claim settlement in 7 working days
  • Guaranteed compensation: Offers guaranteed compensation if your two wheeler is robbed or damaged in an accident
  • Basic cover + Personal accident cover for passengers: Offers a basic two wheeler insurance cover along with personal accident cover for an amount of Rs.1 lakh for the co-passenger
  • Online facility: This Company offers online purchase and renewal two wheeler insurance for you.

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Key Benefits Of Liberty Two Wheeler Insurance

  • Trouble-free Inspection: Offers simple, hassle-free and unperturbed surveillance by the inspection team
  • Swift Telephonic support: Offers 24/7 excellent customer services in case of any insurance related services through toll-free number
  • Network garages: Offers cashless claim facility with a network of more than 615 garages
  • Telephonic services: Offers efficient claim settlement support from 8 am to 8 pm
  • Multi-year policy: Offers 2 to 3 years two wheeler multi-year package policy with amazing benefits like one-time premium payment, additional NCB benefits, annual protection against third party premium etc.

Coverage Of Liberty Two Wheeler Insurance

When buying an insurance policy for your bike, you need to take into account several factors and most importantly your needs and requirements. There are many policies available today, and thus, choosing the right one can be a tough decision. A wrong decision can lead to many problems later on, and thus, being careful is essential.

This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property

  • This plan also includes the personal accident coverage for the owner-driver as well
  • Unlimited coverage is provided for death or injury of third party while up to Rs.1 Lakh are covered for property damage

Comprehensive Coverage (Own Damage)

This is the comprehensive policy by Liberty Two wheeler Insurance policy and covers a wide range of scenarios. In addition to the third party coverage, this package plan also covers the insured bike and its owner from the following damages caused by:

  • Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
  • Landslides and rockslides
  • Earthquake (both shock and Fire)
  • Fire, self-ignition, lighting or explosion
  • Terrorist and Malicious activities
  • Strikes and Riots
  • House breaking, burglary and theft of two wheeler

Personal Accident Cover:

  • In traumatic and unforeseen situations like an accident, having a personal accident insurance would act like an income replacement
  • Liberty Two wheeler Insurance will pay the sum insured of Rs.1 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death.

Type of Injury Compensation Level in case of personal accident cover for owner-driver

  • Death - 100%
  • Loss of two limbs or sight of two eyes or one limb and sight of one eye - 100%
  • Loss of one limb or sight of one eye - 50%
  • Permanent total disablement from injuries other than named above - 100%

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Discounts offered By Liberty Two Wheeler Insurance

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 bike and purchase a new one.

The following table shows the NCB grid:

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%

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 your two wheeler insurance premium.

Higher the deductible, lower would be your two wheeler 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 two wheeler insurance.

Membership of AAI

If your bike is a member to any of the recognized Automobile Associations of India then can fetch you an extra discount

Installation of security devices

If your two wheeler is fitted with an ARAI-approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.

Exclusions Of Liberty Bike Insurance

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 two wheeler is used for any illegal purpose
  • Usage outside geographical limits
  • Two wheeler is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

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Claim Process Of Liberty Bike Insurance

Contact Details:

  • Website: Website: www.libertyinsurance.in
  • Toll free number (1800-266-5844)
  • Send an email at Manager@libertyinsurance.in

Step-by-step Claim process:

In case of an accident or an unfortunate event or loss, do follow the below step-by-step, easy and hassle-free claim process:

  • Immediately contact Liberty Insurance Two wheeler Insurance Company post an incident and inform about the date, time and place of the incident. You may check the list of the offices on the Company’s website www.libertyinsurance.in
  • Keep the two wheeler at the accident spot/site in case of an accident which may include fire/ riots etc. till the time the surveyors visit the accident spot to survey your vehicle.
  • In case of any third-party injuries or death, ensure that you inform your nearest policy station about the incident and file a FIR. Inform the name of the hospital and the doctor’s name if you are getting the third-party treated in a hospital.
  • Post completing the above formalities you may either move or tow your two wheeler to any of the network garages nearby. Get the quotation from the network garage and submit the same to the Company along with the completed claim form. You may also visit any of the nearest office of SBI Two Wheeler Insurance for a final survey of your vehicle. Submit the surveyor copy and FIR.
  • Ensure that the repair work to commence only post final surveyor verifies the damage caused. Only post approving the same, you may go ahead with the repair works.
  • Submit the cash bills for spare parts, labour charges etc. and then get the reimbursement done, if the claim is admissible.

Documents required for registering the claim:

  • Insured’s name and contact details
  • Two wheeler Insurance Policy number
  • Complete address of place where loss/damage took place
  • Complete address of place where damaged vehicle is available for inspection
  • Registration number of the vehicle
  • Name of the person who was driving the vehicle at the time of damage
  • Name, contact number and relationship of the caller with the insured customer
  • Brief description of the nature of loss/physical injuries, if any
  • Estimated total loss
  • Claim form filled and signed
  • RC book copy and Driving license copy
  • FIR report
  • Entire set of keys of the bike
  • Original bills of repairs/ invoice
  • Photographs of the insured damaged vehicle
  • In case of theft or total loss submit the Subrogation & Power of attorney
  • Indemnity bond
  • Discharge voucher
  • NOC from the financer for total loss or theft

Conclusion

Liberty General Two wheeler Insurance is a trust that is backed with more than 615 garage network, quality service and quick solutions. The two wheeler insurance policy of this Company provides comprehensive coverage to protect your bike in case of any accident or damage. Additional add-on covers widens the scope of the policy and with the extraordinary goodwill of the company standing by your side, Liberty General is a sure consideration for your prized possession.

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