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.

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Liberty Videocon Motor Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • Universal Sompo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have applied car insurance from Universal Sompo through online, my company has provided me this insurance. One time payment i made Rs.23,000 and still there is a no claim and also i 'm getting a no claim bonus for this car insurance. I have given all my documents and they given document also.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • New India
    New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance from New India because when I taken my car, they have provided the policy from this company and I have been renewing with the same one. I pay the premium amount of Rs. 7,000 and they are giving me a IDV value up to Rs. 5L. I used to renew the policy in their branch office and the response was good. They don't sent any notification regarding the policy expiry.
    Was this review helpful? 3
    , pune
    Reviewed on Mar 11, 2020
  • review Car Insurance
    "Worst exeperience"
    0.5 0.5/5 "Unacceptable"
    1.Fraud company 2.No Transparancy 3.For one accident surveyor asked to intimate 2 claim for zero dept policy 4.disgusting service 5.Customer care doesn't know about the product and dont know the process 6.Making fool to customers by not saying the hidden charges 7.surveyor is non professional 8.Tries to profit the service center by changing unwanted items and forcing customer to pay more than the insurance amount
    Was this review helpful? 0
    , pune
    Reviewed on Mar 06, 2020
  • Reliance General Car Insurance
    "Excellent policy"
    0.5 4.0/5 "Great!"
    I chosen my car insurance from Reliance because the car where I have purchased those guys deal with the Reliance. If something happened I should not be in a trouble so I agree with them. They are providing a good IDV value for my car. They are sending me a notification through the call and SMS. I used to renew the policy at home because the agent use to come to my place for renewing the policy.
    Was this review helpful? 0
    , jammu
    Reviewed on Mar 05, 2020
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    By online randomly I have chosen the car insurance from HDFC Ergo. Their claim ratio is really good. I pay the premium amount of Rs. 19,000 on a year and they are giving me IDV value of Rs. 1.70L. This is a comprehensive policy which covers for 100%. I have a claim experience which is good but I need to pay the claim fee of Rs. 1000.
    Was this review helpful? 0
    , rajkot
    Reviewed on Mar 05, 2020
  • Magma HDI Car Insurance
    "CHEAP AND BASTERS MAGMA MOTOR INSURANCE "
    0.5 0.5/5 "Unacceptable"
    They are very cheap, kamine type people.They talk with customer very rudely.And they play a trick with customer after accident or during claim.Firstly they not visit.And after one week they visit and hold all work .After two week they will ask that MAGMA want to visit the accident site with customer.Till that time customer become frustrate becs their motive is also to frustrate the customer so that customer deny to take the claim.And one importent thing they will say if customer could not visit accident site with MAGMA then no claim will approved becs their motive is do same. SO NOT TAKE ANY INSURANCE FORM MAGMA.KAMINE LOG HAI GHATIYA KISM KE .
    Was this review helpful? 2
    , gurgaon
    Reviewed on Mar 04, 2020
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    From ICICI Lombard, i have selected my car insurance because its collaborated with Maruti Suzuki showroom hence its easy to claim the insurance. My claim experience is good and they have sanctioned the claim in 3 days. This is a comprehensive insurance plan. I pay the premium amount of Rs. 12000.
    Was this review helpful? 0
    , ludhiana
    Reviewed on Mar 03, 2020
  • ICICI Lombard Car Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    My car insurance was taken from TATA AIG because i am holding the policy with the same company for almost seven months and i have not done any claim so far. Paying the premium amount of Rs. 90000 for the tenure of three years for the car insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 02, 2020
  • United India Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a car insurance from United India. The agent who work with us as a colleague provided me this policy. The premium amount is coming around Rs. 16000. They are giving a coverage amount of Rs. 12 lakh. This is a first party comprehensive plan. I'm getting a no claim bonus and road side assistance as well.
    Was this review helpful? 1
    , mangalore
    Reviewed on Mar 01, 2020
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India because i am holding the policy with the same company for almost 30 years and i have done the claim twice so far. My claim experience is really good because they have done a cashless claim upto 90%. I have been paying the premium amount of Rs. 8500 per year and they are giving a IDV value of Rs. 3 lakhs.
    Was this review helpful? 0
    , jamshedpur
    Reviewed on Feb 27, 2020
  • Universal Sompo Car Insurance
    "Good Insurance"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from Universal Sompo because the premium is less when i compared to other insurance provider, they have provided me a IDV value of Rs. 4 lakh. When i have done the cashless claim, they have sanctioned in 2 days. I'm getting renewal message in prior when the policy is getting lapsed. This is a first party insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 20, 2020
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My friend has referred me about the car insurance from Reliance. I pay the premium amount of Rs. 10,200 for this policy. This is a third party insurance. My friend is working as a agent and he will renew the policy. I have not approached them for any kind of claim. They use to send the reminders to renew the policy.
    Was this review helpful? 1
    , tirupur
    Reviewed on Feb 20, 2020
  • Oriental Insurance Car Insurance
    "One of the best policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was selected from Oriental insurance since the branch office is located to nearby my office. I pay the premium amount of Rs. 6000 for that they are providing me a IDV value of Rs. 2.8 lakhs. This is a first party insurance. Even though i don't have any claim experience, they have not provided me any no claim bonus.
    Was this review helpful? 0
    , guwahati
    Reviewed on Feb 19, 2020
  • National Insurance Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    For the economical and low premium purpose, i have chosen the two wheeler insurance from National. I pay the premium amount of Rs. 7000 every year and they are giving the IDV value of Rs. 4 lakh. I used to renew the policy in the branch nearby located to my place. I have no claim experience till now.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 30, 2020
  • National Insurance Car Insurance
    "Excellent policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG car insurance is pretty awesome policy. So I have taken my car insurance from this company because they are providing me a bumper to bumper offer, comprehensive policy even if the car is 7 years old and this is the only company who provides this facility. To apply the claim is very easy in a single call. They have provided me 100% claim.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 28, 2020
  • United India Car Insurance
    "Secure and fast claim"
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased from United India and i have been renewing the policy with the same company for last 5 years. My claim experience is very fast and there is no struggle in getting the claim. The person will come to the spot by the next day once we applied the claim. I got the claim upto 90%. I have been receiving the no claim bonus also.
    Was this review helpful? 1
    , kochi
    Reviewed on Jan 22, 2020
  • Royal Sundaram Car Insurance
    "Money waste policy"
    0.5 1.0/5 "Really Bad"
    I have taken my car insurance from Royal Sundaram at earlier but I'm not satisfied with their services. When i applied for my claim, they have taken most of the part and they didn't provide the cashless claim in their garages. Quality of service is not that much good. I bought the policy through online. They didn't promised their word.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • Oriental Insurance Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    ORIENTAL INSURANE has provided a car insurance and they have provided me a better offer with the better quotation including the bumper to bumper offer so that i took the same and till now i never spoke with the customer care also. I have not approached for them for any claim. They have offered me a coverage value of Rs. 3.5L. I have renewed the policy in online.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • United India Car Insurance
    "Service is good"
    0.5 4.0/5 "Great!"
    Took my car insurance from United India based on the agent suggestion. I pay the premium amount of Rs. 3600 its because of the no claim bonus and some extra discounts. I have not applied any claim till now. From 7 years, i have been renewing the policy with the same company. They will give reminder call and I'm getting SMS from United India before the policy expiry.
    Was this review helpful? 1
    , jaipur
    Reviewed on Jan 16, 2020
  • New India Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from New India since its a government sector company and i have a known person over there. There is no cashless claim i had because there is a delay in that and it takes almost 1 week. They are giving claim upto 70% since my vehicle is old one. I pay the premium amount of Rs. 12500 on every year. They said they are providing a road side assistance and no claim bonus facility.
    Was this review helpful? 3
    , coimbatore
    Reviewed on Jan 16, 2020
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