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

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.