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Liberty Motor Insurance

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 , 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.

 4.5 / 5.0   by 2625 users
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Policy Coverage

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Cashless Garages

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Liberty Videocon Motor Insurance Reviews

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  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • HDFC Ergo
    HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • ICICI Lombard Car Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    Every time, i used to visit their showroom to renew my car insurance policy. I'm receiving the no claim bonus. This is a bumper to bumper covered policy. I pay the premium amount of Rs. 10000 and I'm not sure about the IDV value. They are providing the hard copy of the documents immediately. I do not have any claim experience.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • New India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have bee using the car insurance policy with NEW INDIA ASSURANCE where the customer support is prompt by giving the information regrading the policy expiry date. I had no claim also the IDV value is good provided with the insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 10, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i had no claim experience with the policy. The premium paid was nominal also the IDV value is good with the policy. The service is good with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • Oriental Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy since from last 2 years with ORIENTAL INSURANCE where they have given coverage is for bumper to bumper. The premium paid was nominal and the IDV value was good also there was a road side assistance. No claim bonus is there with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 08, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India. My dealer has given the policy with them and I'm continuing with the same company. I pay the premium amount of Rs. 16000 for the coverage amount of Rs. 7.50 lakhs. I haven't got my no claim bonus. When i informed about the same, they were not ready to provide proper response.
    Was this review helpful? 1
    , kochi
    Reviewed on Jul 06, 2019
  • National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
  • review Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the BHARTI AXA GENERAL INSURANCE where i have no claim experience also the premium paid was nominal also the IDV value was good with the policy. The policy coverage is for full also it is a good policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 05, 2019
  • New India Car Insurance
    "Need to experience the policy"
    0.5 5.0/5 "Blown Away!"
    New India insurance has a tie up with Maruti since i have a Martui Swift i have chosen them. I pay the premium amount of Rs. 11000 approximately. I get a coverage value of Rs. 5.86 lakhs. I do not have any claim experience so far from the purchasing date.
    Was this review helpful? 1
    , jaipur
    Reviewed on Jul 03, 2019
  • ICICI Lombard Car Insurance
    "Genuine service provider"
    0.5 4.0/5 "Great!"
    I done one claim with ICICI Lombard during flood time, the service is good and genuine. There was no charges applicable because I have zero depreciation plan. They have tie up with many work shop and premium is higher but the service is prompt.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 02, 2019
  • New India Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using with the NEW INDIA ASSURANCE where i had claim once with the policy and i had a claim experience and i got reimbursement of 50%. The policy coverage is for bumper to bumper. I have paid the premium was 7K and the IDV value is 80% provided.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 01, 2019
  • ICICI Lombard Car Insurance
    "Should be faster"
    0.5 5.0/5 "Blown Away!"
    Last year I paid the premium of Rs. 8000 for taking comprehensive plan. I have 2013 model santro car it have good insured value. ICICI Lombard got tied up with many garages and work shops. When my wind shield got damaged they took 45 days for reimbursing the money.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 30, 2019
  • Oriental Insurance Car Insurance
    "Good car insurance"
    0.5 5.0/5 "Blown Away!"
    1 year back, i have taken my car insurance policy. Since the dealer has suggested me a policy with the oriental i have chosen them. I am paying the premium amount of Rs. 9000 for the coverage value of Rs. 1.30 lakhs and iâ??m satisfied with it. This is covered for 100% hence zero depreciation policy. It has a facilities of road side assistance, no claim bonus etc.,
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jun 30, 2019
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