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Motor insurance (third party liability cover) is as compulsory as a driving license to take your vehicle out on the road. Liberty General Motor Insurance provides options to insurance policies to pick the one that will fit your needs the most.
Types of Liberty General Motor Insurance
There are 2 distinct motor insurance policies one can choose from, viz.:
- Liberty Private Car Insurance Policy
- Liability Only Policy: It covers the mandatory part of the car insurance, i.e. third party liability cover. It can be taken by private car owners and does not cover commercial vehicles.
- Package Policy: This policy gives comprehensive coverage thus including third party liability cover along with own damage cover.
- Two Wheeler Insurance Policy
- Two-Wheeler Package Policy: This policy covers the two-wheeler vehicle for a period of 1 year thus requiring renewal on an annual basis. Since this is a package policy, there is dual benefit of third party liability cover plus own damage cover.
- Multi-Year Package Policy: This policy provides insurance coverage for a period of up to 3 years thus saving one from the onus of renewing yearly.
What all Liberty General Motor Insurance Covers?
Following points are covered by the insurance plans of Liberty General Motor Insurance:
Third Party Liability: In the event of a collision or some other event leading to property damage or bodily damage to another person, the compensation for the same shall be paid by the insurance company.
Own Damage Cover: If the insured vehicle gets damaged while on the road or when parked, repair and/or replacement for the same shall be taken care of by the insurance company.
Add-On Covers (Riders)
In addition to the aforementioned points, coverage can further be expanded on payment of extra premium towards the following riders:
Depreciation Cover: The depreciation amount deducted on the value of the parts replaced under the own damage section will be covered for.
Consumables Cover: Expenses incurred on items like grease, nuts and bolts, engine oil, washers, etc. will be covered for in this rider.
Gap Value Cover: The difference between the insured value and the purchase price of the vehicle will be paid under this cover.
Roadside Assistance Cover: If the insured vehicle breaks down on road, services like vehicle relocation to the nearest garage, minor repairs, flat tyre change, lost key assistance, emergency fuel provision, etc. will be covered.
Passenger Assistance Cover: This rider gives insurance cover to the passengers travelling in the insured vehicle and gives assistance for hospital allowance, medical expenses and medical transport.
Key Loss Cover: If the keys of the insured vehicle get lost or are broken, then the expenses incurred towards replacement or repair of the same will be covered.
Engine Safe Cover: Damage done to the engine of the insured vehicle including the gear box due to water ingression or leakage of lubricating oil will be covered under this rider.
Documents Required to Buy the Policy
Keep the following documents ready with you in order to purchase any policy under Liberty General Motor Insurance:
- Proposal Form (duly filled and signed)
- Driving License
- Registration Certificate of the vehicle
- ID proof (PAN Card, Passport, etc.)
- Address proof (Aadhaar Card, Ration Card, Utility Bills, etc.)
- Passport-sized photographs of the applicant
- Any other documents asked by the company
Eligibility Criteria
- The policy proposer must be of at least 18 years and must own a valid driving license
- The driver/owner should be the registered owner of the vehicle
Online/ Offline Procedure to Purchase the Policy
Online
- Visit the official website of Liberty General Insurance
- Click for Car Insurance or Two Wheeler Insurance from the top bar menu
- You will see multiple options, choose the one saying ‘Buy Now’
- On the page thus directed, enter the details like your vehicle’s registration number, your full name, mobile number, etc.
- Click on Next
- Enter the registration city, brand name of the vehicle and the model name
- A pop-up will appear in which you need to add the manufacturing year
- Now add the registration date and RTO code and click next
- Add further more information and once all the information is submitted, you will be shown a calculated premium for the insurance
- Make the payment for the same before which you will be required to provide some documents
Offline
- Either call or visit the nearest branch of Liberty General Insurance Company
- One of representatives will guide you through the policy you should go for
- A quote will be calculated based on the details of your vehicle to be insured
- A list of documents will be given to you that you will need to submit along with payment of the premium
Claim Process
- In an uneventful case of accident or damage to your vehicle, immediately inform the company (call 1800 266 5844 or online)
- After the intimation, you can register your claim online by visiting the company website or by visiting nearest company branch
- After successful registration company will assign a surveyor for damage-assessment
- After the assessment, you can get your vehicle repaired at a workshop of your choice. It is suggested to get your vehicle repaired at a company approved workshop, for direct settlement of your claim
- After the repair, the surveyor will re-inspect the vehicle for final assessment and present all the payment invoice (in case any payment is made) to the surveyor
- After a successful survey the company will settle the claim within 7 working days
Documents Required for Making Claims
- Policy document
- Filled claim form
- Driving license copy along with the original one for verification
- FIR Report (if applicable)
- Original documents of the repair or replacement bills
- Clear photographs of the damaged vehicle
- A copy of the registration certificate of the vehicle (RC) accompanied by the original one
- Discharge voucher
- The entire set of keys for your vehicle (in case of total loss & theft)
- Fire Brigade report (in case of fire damage)
Exclusions under Liberty General Motor Insurance
If any of these conditions ring true, no claims can be made:
- If your vehicle is used for purposes that fall outside the limitations of use specified in the policy schedule
- Any form of wear and tear faced by the vehicle including failure, breakage, electrical breakdown, and mechanical degradation
- Consequential loss or depreciation to the vehicle
- Any loss of vehicle or damage to the vehicle caused by acts of war, nuclear attack, civil war, mutiny, etc.
- Any form of damage to the tires and tubes of the vehicle is not covered unless they have been damaged in an accident
- Any form of damage to the vehicle which has been occurred outside the geographical boundaries
- If a third party was driving the vehicle (anyone other than the policyholder)
- If the accident occurred when the driver is under the influence of liquor or narcotic drugs
- If the driver is driving without a valid driver’s license
Time Taken to Settle Claims
When you file a claim with either the insurance agent, on the website, or at a Liberty General Office, your claim will be settled within 7 working days post receipt of all the required documents.
Renewal Process
- Visit the website of the company
- Click on car or two wheeler insurance
- Go for the option of ‘Renew Now’
- Enter the policy number and registration number/engine no. /Chassis no.
- Follow the pages thus appearing as you go further ‘
- Once the renewal quote is generated, make the payment and the process is complete
Advantages of Availing Liberty General Insurance
- You can avail services of inspection and also use the cashless claim service across 1900+ network garages across the country.
- The company offers a quick settlement within time-frame of 7 days
- You will get support regarding claims and other issues from 8 AM to 8 PM on their helpline
- You can easily transfer your no-claim bonus from an existing insurer to Liberty General
- You can enhance the insurance coverage through different add-on covers
Customer Care Details
Contact Number:
1800-266-5844
Email:
care@libertyinsurance.in
Address:
Liberty General Insurance Limited
10th Floor, Tower A, Peninsula Business Park
Ganpatrao Kadam Marg, Lower Parel, Mumbai 300 013
FAQs
Q1. What factors affect the premium I would pay towards my motor insurance?
Your insurance premium amount might vary depending upon these factors:
- Age of vehicle
- Cubic capacity of the engine
- Your city/state/country
- Insured Declared Value (IDV) of the vehicle
Q2. If I have an employed driver for my car, can I still get motor insurance?
Yes, by availing the legal liability cover, you can avail compensation for injury/death due to an accident if you have employed a driver for the vehicle.
Q3. What is a deductible under a motor insurance?
Deductible is a fixed amount which you have to pay out of your pocket considering the amount of expense incurred. When the expenses cross the amount mentioned in the deductible, the insurance company starts paying for the rest of the expenses.
Q4. What are the discounts offered by Liberty General Motor Insurance?
Following discounts can be availed:
- No Claim Bonus (for not making claims in the previous year(s))
- AAI Discount (to the members of Automobile Association of India)
- Anti-Theft Device Discount (if the vehicle to be insured is installed with anti-theft device)
Q5. Will I lose the accumulated No Claim Bonus if I’m transferring the policy from another provider?
No. As per the policy of Liberty General Insurance, if you have accumulated NCB, the same shall be retained when you shift from your previous insurance company.
Q6. Is it mandatory to have a package policy or a third party liability cover will do?
As per the rules, only the third party liability cover is compulsory to have.
Q7. I met with an accident with a car that is not insured. Will I get insurance in such a case?
Yes. Since your vehicle is insured, you are fully entitled for insurance cover.