Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Liberty Motor Insurance

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Policy Coverage

Customer Service

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Cashless Garages

Commencing operations in the year 2013, Liberty General Insurance was a product that came around as a joint effort by three of the most reputable entities on a global scale. Liberty Citystate holdings PTE Ltd, Emam Securities, and DP Jindal Group are the ones that established Liberty General Insurance in its full capacity.

Liberty Citystate holdings PTE Ltd operates from the United States of America and is essentially a casualty group coupled with being a paramount multinational property leader. Emam Securities has its roots operating on the potential that fairly new enterprises and entrepreneurs have. They are known for making long-term investments in companies that are listed, along with entrepreneurs with distinctive viewpoints. When Liberty General Insurance began operating, it had its primary objective set, which was to provide comprehensive insurance plans to the retail and industrial sectors.

In today’s date, it has spread its operations across 60 offices that are based out of more than 58 cities and 23 states. The partner network of Liberty General Insurance has about 5000 hospitals under its name and the number for auto service centers stands at 3100. It recently gained the reputation of being the leading provider of insurance solutions such as car and two-wheeler insurance, marine insurance, commercial insurance, and so on.

Why Should You Buy Motor Insurance From Liberty General Insurance

Some of the benefits of holding a car insurance policy with Liberty General Insurance are listed below.

  • Liberty General Insurance allows you to buy and renew motor insurance online, in just a few simple steps.
  • 24x7 customer service facilities.
  • Customers subscribed to the Liberty car insurance can choose from more than 1,900 cashless garages to get their car serviced.
  • Customers can track their claim status online.
  • Liberty General Insurance promises claim settlements within 7 working days.
  • Customers can transfer their no-claim bonus from any insurance provider.
  • For any query, grievance redressal or complaint regarding the claim, customers can contact the customer care service between 8am and 8pm everyday.

Types Of Motor Insurance From Liberty General Insurance

Liberty General Insurance offers the below listed insurance policies for motor vehicles.

  • Private car package insurance - A comprehensive insurance policy for four-wheelers, this insurance policy protects the car from theft, natural calamities, man-made disasters, riots, strikes, etc. In addition, this policy also offers protection from legal liability to a third party in an accident. The policy also offers personal accident coverage for the owner of the vehicle.
  • Two-wheeler insurance - Liberty General Insurance offers two types of policies for two-wheelers - Two-wheeler Package Policy and the Multi-year two-wheeler package policy. Both policies includes own-damage cover and third-party liability insurance. In case you require additional protection, you can opt for various add-ons.
  • Commercial vehicle insurance - Specifically designed for commercial vehicles, such as buses, trucks, taxis, etc, the coverage offered by the insurance plan includes third-party liability and personal accident cover and coverage for the vehicle damage. With the help of this insurance, the commercial vehicle is protected from theft, fire, explosion, riots, earthquakes, floods, accidents, malicious activities, etc. Customers can also avail direct claim settlement facility at the listed Liberty General Insurance network garages across India. To enhance one’s protection, commercial vehicle owners can also purchase the add-on covers.

Liberty Car Insurance Third-Party Risk Policy - Inclusions

If not for a comprehensive policy, customers can also choose to buy a minimal level of motor insurance for his/her car, as mandated by the Motor Vehicles Act, 1988 - the third-party liability insurance policy. This insurance scheme protects the policyholder from liability claims raised by a third party after an accident, which includes third-party injuries, disabilities, or death and coverage for third-party property damage. That said, the third-party risk policy offers no coverage for the vehicle or personal damage met to the insurance holder and it is advisable to hold a comprehensive motor policy instead to negate this factor.

Liberty General Insurance Comprehensive Motor Insurance Policy - Inclusions

Liberty General Insurance offers a comprehensive policy for private vehicles (four-wheelers and two-wheelers) and commercial vehicles.

Liberty Two-Wheeler Package Policy- Inclusions:

  • Coverage for the damage of the vehicle following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Personal accident cover for the insurance holder - including injury and death.
  • Loss of damage to the vehicle caused by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • Customers can also choose an extra cover to cover damages met to electrical and non-electrical parts, and personal accident cover to a passenger other that the driver.

Liberty General Insurance Private Car Policy - Inclusions:

  • Personal accident cover - in case of injury, loss of limbs, loss of eyesight, etc., following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Reimbursements for damages met by the vehicle following an accident.
  • Reimbursement claim for damages caused either by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • The Liberty General Insurance Private Car Policy also offers extra coverage to cover damages met to electrical and non-electrical parts, and personal accident cover to a passenger other that the driver.

Liberty Commercial Vehicle Package Policy - Inclusions:

  • Protection for vehicles of different sizes and types.
  • Personal accident cover - in case of injury, loss of limbs, loss of eyesight, etc., following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Reimbursements for damages met by the vehicle following an accident.
  • Reimbursement claim for damages caused either by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.

Liberty General Insurance Comprehensive Motor Insurance Policy - Exclusions

If injury, death, damage to the vehicle are met following an accident under the below listed circumstances, the insurer will not be able to avail any insurance coverage.

  • Driving under the influence of liquor/drugs.
  • Negligence leading to accidental losses.
  • Losses incurred while the vehicle was being driven by someone who is not named in the policy or isn’t the owner of the vehicle.
  • Driving without a valid license.
  • Using the vehicle beyond its limits.
  • Depreciation, wear and tear, etc.
  • Consequential losses to the vehicle.
  • Electrical or mechanical breakdown.
  • Losses from nuclear war, radiation/weapons.
  • Losses from war and other such related events.

Liberty Motor Insurance FAQs:

1. Apart from the inclusions in the policy, is there any other coverage?

Yes, by pay over the premium rate, you can avail a few extra coverages, they are:

  • Coverage for electrical and electronic accessories
  • Personal accident cover for the passengers
  • Nil depreciation cover

2. How can I purchase a policy?

You can visit the website of Liberty General Insurance, choose your policy and make the payment for it. The payment can be made either by debit cards, credit cards, cheque, or net banking.

3. Can you name some of the add-on covers offered by Liberty Motor Insurance?

To ensure complete protection for the insurance holder, Liberty General Insurance has rolled out the below listed add-on covers:

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

4. Are there any advantages of buying an insurance policy online?

Yes, the advantages are multifold:

  • Discounts on premiums
  • Reduced paperwork
  • Instant payments via netbanking, debit or credit card, etc.
  • High security during transactions
  • Regular reminders for renewals

5. What is the validity for motor insurance policies?

Most insurance policies are valid for just a year. In the case of two-wheeler insurance cover, customers can choose the multi-year policy - which is valid for 2-3 years - and is relatively cheaper. As of now, this options is not available for four-wheeler private and commercial vehicles.

Liberty Videocon Motor Insurance Reviews

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  • Royal Sundaram Car Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance with Royal Sundaram. I never contacted the customer service. It is a default insurance from the showroom. The premium is high because I go for bumper to bumper offer, road side assistance, zeo dep. It is a first party insurance and no claim. The policy period is one year.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
  • SBI General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    The showroom people has offered me a car insurance policy with SBI. I have made a premium amount of Rs. 22000. They have given me a coverage value of 100%. Total IDV value is 90% of the car value. I have no claim experience till now. The documentation process was done by showroom.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • National Insurance Car Insurance
    "Smart protection with National"
    0.5 4.0/5 "Great!"
    The major factor to chose National Insurance because of the premium is economic, I took the policy for 3 years the IDV value remains the same for the whole tenure. The customer support is good on time they activated the policy. I have Tata Tiago , its around four months vehicle. Its zero depreciation comprehensive plan. I taken the policy through showroom.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jan 19, 2019
  • ICICI Lombard Car Insurance
    "Satisfied with the policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance is with ICICI Lombard. The customer services are good and I got the policy documents on time. The policy coverage is good and there are features of a road side assistance is there. The premium is economical too. Good overall.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
  • ICICI Lombard Car Insurance
    "Need to reduce the premium"
    0.5 3.0/5 "Satisfactory"
    I had a car insurance from ICICI LOMBARD which was offered by the showroom at the time of purchasing the vehicle. I felt the insurance premium is very high compared to others. I got a reminder call from the customer service at the time of renewal. It has zero dep for one year.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • Tata AIG Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I took my car insurance from TATA AIG through online channel. They have given lesser premium with zero dep and it includes road side assistance. The customer service is very good. The policy period is one year. I have no claim experience. It is a first party insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
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