Liberty Car Insurance
Liberty Insurance is one of the key private insurance players in the Indian Insurance market. Over the years, they have taken giant strides in the Non-life insurance segment. Protect your cars with the best car insurance from Liberty Insurance.
Liberty General Insurance is a joint venture between Liberty Citystate Holdings PTE and Enam Securities and DP Jindal. Started in the year 2013, the company provides an array of non-life insurance products to the Indian customers. The Company has branches across 29 states and has a employee strength of over 1200+ across 110 towns and cities in India. They have partnered over 4000+ auto-service centres.
Liberty Insurance wants to create sustainable value for their customers, so they have designed their products with a long-term focus that empowers their future and ensures their well-being. Car Insurance in India is mandatory for every car owner. The car insurance policy from Liberty Insurance is loaded with features that ensure you get timely assistance whenever your car is involved in an accident or gets stolen. With a 94% Claim settlement ratio, Liberty Insurance aims at becoming one of the trusted brands in this segment.
Types of Car Insurance Plans at Liberty Insurance
- Comprehensive Car Insurance: A comprehensive car insurance policy covers damages to your own vehicle in addition to the third party vehicle damage
- Third Party Liability:It is the statutory insurance according to law. It is the type of insurance where damages/losses to a third party person or vehicle are covered.
- Own Damage Cover: It is the type of Car Insurance which offers coverage to the damages incurred by the vehicle insured.
Features of Car Insurance Policies at Liberty Insurance
- Cashless claim at more than 4300+ Network Garages
- Seamless Claim assistance at any time
- Easy Policy Renewals
- Support on all days from 8 AM to 8 PM
- Enhance coverage with multiple add-ons
What is covered in Car Insurance at Liberty Insurance?
- Accident due to external impact
- Damages due to natural disasters (earthquake landslides, flood)
- Loss due to theft and burglary
- Self-ignition and fire accidents
- Man-made damages due to riots, arson, etc
- Accident to vehicle during transit via road, rail, inland waterways etc
What are the exclusions in a Liberty Car Insurance Plan?
- Wear and tear of the vehicle due to regular usage
- Damage caused due to driving under the influence of alcohol or drugs
- Driving without a valid license
- Claims arising out of contractual liability
- Contributory Negligence (such as driving in a flooded area)
- Damages incurred outside the geographical limits
Add-on covers available with Go Digit Car Insurance Plans
Liberty Insurance offers a comprehensive range of add-ons that you could add to your policy and get enhanced protection,
Depreciation Cover
With this cover, you can claim the depreciation amount of the parts. These are the parts that you may have replaced as a result of claim under own damage section
Consumables Cover
During an accident, if any of the consumable parts in the car (nut and bolts, grease, brake oil, and other perishable parts) is rendered unusable, this cover comes into effect
Gap Value Cover
With this cover, you can receive the difference between what you receive under own damage cover and the price on your purchase bill. It also covers the road taxes and first-time registration charges, if you specifically declare them
Roadside Assistance Cover
If your insured vehicle breaks down, you can get assistance with this cover. You can move your vehicle to pre-approved garage or mechanic anywhere in India. You can get repair services for minor breakdowns and assistance in changing flat tyres
Passenger Assistance Cover
It is a special assistance for passengers travelling with you in a car. It includes hospitalization allowance, medical expenses, and hospital transport expenses.
Key Loss Cover
This add-on covers the cost of replacing your car keys in the event of loss or damage
Engine Safety Cover
You can avail this cover to safeguard your engines. The cover is also applicable for engine block and gear box. It is applicable only under these conditions:
- When Engine gets filled with water
- When the car is leaking lubricant or oil due to accidental damages
How to file a claim at Liberty Insurance?
- In the event of theft or an accident, call Liberty Insurance at 1800 266 5844 or register on their website.
- Their representative will get in touch with you for further details .
- They will organize a survey if the accident spot is within the city in 24 hours, and outside city limits within 48 hours.
- Once the vehicle is moved to garage, you will need to submit the documents. If the repair has been done in non-network garage, then the claim amount will be remitted directly to policyholder’s bank account within 7 days.