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  • Liberty Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Liberty General Insurance is a joint venture between Enam Securities, Liberty Citystate holdings PTE Ltd, DP Jindal Group and Liberty Mutual Insurance Group. The firm started business in 2013 with an aim to provide an umbrella of insurance services in the private, industrial and commercial realm. Liberty car insurance is one of their sub products.

    Car Insurance Online from Liberty Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 1900+
    Incurred Claim Ratio 2016-17 77.29%
    Net Earned Premium NA
    Covers Provided
    • Depreciation cover
    • Consumables cover
    • GAP value cover
    • Passenger assist cover
    • Roadside assistance cover
    Features
    • Quick claim settlement
    • Instantaneous purchase
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Faster claim settlement- Liberty car insurance settles claim in a fast and efficient manner. Known to have a good track record, the insurance provider usually settles any claim within 7 working days.
    • Comprehensive coverage- This policy provides a complete coverage package for the car. Apart from the compulsory third-party liability cover, you are protected against various other threats including man-made calamities such as theft etc. It also covers natural calamities such as floods, earthquakes, etc.
    • Different add-on covers- Policyholders can avail a wide range of additional benefits such as depreciation cover, consumables cover, GAP value cover and 24/7 roadside assistance.
    • Cashless services- Liberty General Insurance has a good network of around 1,900 cashless garages around the country, where customers can avail high-quality services without any hassles.
    • No claim bonus- The no claim bonus amount can be easily transferred to this policy from any other insurance provider in a stress-free and smooth manner.
    • 24/7 customer support-A good customer support team works round-the-clock to resolve issues, answer queries and handle the claim settlement process in hasty and efficient manner. The team works on all holidays and can be contacted for any issues during emergencies.

    Easy Steps To Apply for Liberty Car Insurance Online

    • Log on to the Liberty General Insurance website. On the website, click on the ‘Quick Quote’ option. Here, you have to click on the insurance product that you are interested in.
    • This will redirect you to another page where you have to fill in basic personal details. Here you can either choose to buy a new car insurance policy or renew an existing one.
    • Fill in your mobile number and valid e-mail ID
    • In the next step, you can fill in your car details
    • Once this is done you can view your premium quote. If you're happy with the same, you can proceed to make payment. Any clarifications can be resolved by contacting the toll-free customer support number, before making a purchase.
    • Once the payment is made, the policy will be sent immediately.

    Why Liberty Car Insurance

    Hassle-free inspection
    No claim bonus
    Additional protection
    Telephonic support
    Cashless claim service

    Add-on covers on Liberty Car Insurance

    An attractive set of add-ons makes a good insurance policy even better. Below are the add-on covers provided by Liberty car insurance:

    • Depreciation cover- With this add-on option, the policyholder has the advantage of getting their full claim amount without any deductions. So, if a claim is filed for any damage, let’s say after a collision, the entire cost of repair will be covered.
    • Consumable cover-Under this add-on option, the policyholder can obtain coverage for the cost of consumable items in case they are damaged or are not fit for use. Consumables include nuts and bolts, screws, washers, lubricants, fuel, filter, brake oil, washers, engine oil, oil filter, fuel filter, grease, lubricants clip, air conditioner’s gas.
    • GAP value cover-This add-on will cover the difference arising between the declared value of the vehicle and the showroom price of the same car. Therefore, this provides the policyholder the benefit of getting coverage for the full value including road taxes.
    • Passenger assist cover-Policyholder will be eligible for a host of benefits and allowances including hospital cash, medical expenses, and transport services. Claims can also be made for reimbursement of expenses incurred towards employing a driver and ambulance charges.
    • Roadside assistance cover-In case of an unfortunate event such as an accident or a breakdown, assistance will be provided at anytime and anywhere. The services offered include tyre repair and replacement, emergency assistance, battery restart, lock and key repair or replacement, etc.

    Inclusion & Exclusion on Liberty Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
    Loss due to electrical or non-electrical accessories War related risks
    Legal liability to passengers who do not pay fares Consequential loss
    Cover for bonnet, paintwork, tyres, tubes, lamps Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - Liberty Car Insurance

    • The Insured Declared Value (IDV) of the insured vehicle is the amount that is declared at the time the policy is issued
    • IDV is fixed based on the manufacturer’s listed price and the brand of the vehicle.
    • For a car that is 5 years or older, the IDV is usually calculated based on an agreement between the insured party and the insurance provider.
    • IDV is always taken at market value during the entire term of the policy. Below is a sample table on how IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    Liberty Car Insurance Cashless Garages

    Liberty General Insurance has a well-equipped and highly organised network of more than 1,900 cashless network garages across the country. Customers can claim for cashless services through this network by looking up for the nearest garage in their locality.

    Claim Process Liberty Car Insurance

    It is very easy for a policyholder to initiate claim and claim reimbursement for expenses that have been incurred. The process to be followed may vary slightly depending on the nature of the incident. The policyholder can either make a claim through their website, call the toll-free number or through SMS. There are some documents that need to be kept in place before making a claim. Below is the list of documents required:

    • Driving license
    • RC book
    • Policy documents
    • Policy number
    • FIR, if required

    Cashless Claim Process Liberty Car Insurance

    Let's explore the cashless claim process:

    • Contact the insurance provider
    • Obtain an FIR if necessary
    • Take the car to the nearest network garage. If the car is not in a condition to be driven, ask the insurance provider for towing service from the accident spot to the network garage
    • Once the car is repaired, the payment for the service is made by the insurance provider to the concerned network garage

    Reimbursement Claim Process Liberty Car Insurance

    Let’s explore the reimbursement claim process:

    • Contact the insurance provider
    • Keep all relevant documents ready
    • Submit all bills, invoices and medical expenses data
    • The claim will be settled within 7 working days

    Liberty Videocon Car Insurance Reviews

    • Liberty Car Insurance
      "Better customer service"
      0.5 2.0/5 "Expected more"
      Liberty General does not have tie up with many service centers, I think they have less tie up. Once I claimed with them, I met with small accident because of that one side car window broken, then I contacted that insurer they taken long time and also I keep insisting them to increase the claim ratio, finally they settled 70 to 80% from policy cover.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 31, 2018
    • Liberty Car Insurance
      "Its Fine"
      0.5 5.0/5 "Blown Away!"
      When I took car policy at the time it was Liberty Videocon, the brand value was good. Now I heard something about that company and it changed as Liberty General. That is the reason I didn't go for renewal, I never had a claim experience, however its good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 30, 2018
    • Liberty Car Insurance
      "Nice company with nice services"
      0.5 5.0/5 "Blown Away!"
      Till now i have no claim experience with Liberty General. From online, i have bought the policy. Because of the rates and higher sum assured amount i have chosen this company. I have paid a premium amount of Rs. 12000 and above and they have offered me a coverage amount of Rs. 6.30 lakhs. This is a zero depreciation policy hence covered for the car accessories, driver insurance and passenger insurance has been covered.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 30, 2018
    • Liberty Car Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      So far i have not come across any situation of my any reimbursement. In terms of insurance the payment process and buying process on response on delivering is good. Compared with other service provider i have got attractive offers on discount and road side assistance facility. I have not faced any issues with Liberty General.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 30, 2018
    • Liberty Car Insurance
      "Average Policy"
      0.5 2.0/5 "Expected more"
      I have not faced any issues with the Liberty Videocon. The agent from Liberty Videocon came to my place and offered me a car insurance policy and i have paid a premium amount of Rs. 22000 and i have got a coverage value of Rs. 7 lakhs. I have not made any calls to the customer care.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 29, 2018
    • Liberty Car Insurance
      "Cheap Policy"
      0.5 5.0/5 "Blown Away!"
      Comparative the policy is cheap when i compared about the other company. I paid the premium is less when i compared to others. I am happy about the coverage. This is a comprehensive policy and its not covered all the parts. It has covered for major parts and they have percentage coverage for some parts like metal, glass and fiber.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 29, 2018
    • Liberty Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      The Liberty General Insurance is quite competitive hence i chosen. I have not taken any claim but i have been satisfied with the coverage amount. I have purchased the policy in the month of March. I never faced any issue with policy while i purchase. The policy documentation was okay
      Was this review helpful? 0
      , noida
      Reviewed on Oct 28, 2018
    • Liberty Car Insurance
      "Customer support should give proper solution on queries"
      0.5 2.0/5 "Expected more"
      The deal was not satisfactory with Liberty General, I have taken private car plan with high premium finally I got 35% of no claim bonus. Hence I didn't get refund amount, hence I visited to Bhopal but there are only 2 to 3 persons are available, they were not responded me well.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 19, 2018
    • Liberty Car Insurance
      "Good Customer Service"
      0.5 4.0/5 "Great!"
      Its a lowest premium policy with best Idv value, I have one year old vehicle Liberty General gave me Rs. 5.6 lakhs . My policy name is Zero dep with thrid party cover, the insurer has lots of wider network. My initial process also went well but I am not sure about the claim process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2018
    • Liberty Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Basically I wanted the policy for my MARUTI SUZUKI SWIFT DZIRE VDI 1248 CC car they gave me the best IDV value around Rs. 5,14,158 , the premium amount is also economical. I have taken private car policy, they provide 24 hours service and cash less garages.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2018
    • Liberty Car Insurance
      "Easy to use"
      0.5 5.0/5 "Blown Away!"
      I've not applied for any claim after bought the policy. I have purchased this policy 5 months before. I have made a premium amount of Rs. 8000 approximately and I'm not sure about coverage amount. This is cheapest policy which is suitable to me hence i took this policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 12, 2018
    • Liberty Car Insurance
      "Not recommended policy"
      0.5 1.0/5 "Really Bad"
      The premium is very high and the service is very slow. I never called their customer care because my car never dashed anything. This was a simply policy with a higher premium thats the reason i don't want to continue the policy with Liberty videocon. They have offered me a 15% no claim bonus for me.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2018
    • Liberty Car Insurance
      "Excellent Claim process"
      0.5 4.5/5 "Excellent!"
      My showroom people has provided this Liberty Videocon policy to me. It was cashless claim when i apply for their claim. I paid only 5% from my hand after that 95% was a cashless and it was a good experience from Liberty General. This is a covered with Bumper to bumper and zero depreciation policy. I never faced any issue with the claim process.
      Was this review helpful? 0
      , mudhol
      Reviewed on Oct 11, 2018
    • Liberty Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I don't have claim experience with Liberty General,however I am holding the insurance. The premium amount is nominal with Best IDV, they sent the policy copy to the courier on time. They have cash less garages for damage for my Nissan car with third party liability.
      Was this review helpful? 0
      , ranchi
      Reviewed on Oct 11, 2018
    • Liberty Car Insurance
      "Worst dealing with them"
      0.5 3.0/5 "Satisfactory"
      In January, i have been holding this policy. I had a very bad claim experience. In their customer care, they did not listen to the customer. Its taking too much of time to connect with the call centre. They have offered me a 50% coverage amount. They have asked me to file a FIR in the police station. The process was tough to apply for a claim.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 09, 2018
    • Liberty Car Insurance
      "Good two wheeler insurance policy"
      0.5 4.0/5 "Great!"
      Actually i have not utilized any of their customer care services. I don't get any experience to make any claim. I have been holding this policy in the month of February. The renewal quote was good hence i have chosen the policy with Liberty General. No claim bonus was there in this policy. Its approximately 5000 i made a premium amount.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 09, 2018
    • Liberty Car Insurance
      "Looking for attractive offer"
      0.5 4.0/5 "Great!"
      When I purchased the car, I got Liberty videocon policy, but when I compared the premium I found it is higher in the market. Hence I didn't go for the renewal. But I didn't face any issue, hence I would like to suggest them as per their name, they should give liberty to the customer in terms of cost.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2018
    • Liberty Car Insurance
      "Premium cost is ecnomical"
      0.5 4.0/5 "Great!"
      Amount wise Liberty General is higher in the market, When I approached for the renewal I found it is very costly. That is the reason I took renewal plan from Royal sundarm with lower premium . But Liberty General also has cash less garages and wider network.
      Was this review helpful? 0
      , warangal
      Reviewed on Oct 09, 2018
    • Liberty Car Insurance
      "Better Policy"
      0.5 5.0/5 "Blown Away!"
      Last February i have purchased my car insurance policy with Liberty General. I have made the premium of Rs. 19000. They have not offered me a such facilities like bumper to bumper and road side assistance. They have offered me a coverage amount of Rs. 8 lakhs. I have not experienced of any claim so far
      Was this review helpful? 0
      , noida
      Reviewed on Oct 08, 2018
    • Liberty Car Insurance
      "BAD EXPERIENCE"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the car insurance where i have purchased it from LIBERTY GENERAL INSURANCE because they have not sent the hard copy soon. Premium is lower so i have taken this policy after comparing to the others. Policy coverage they have offered is for zero depreciation.
      Was this review helpful? 0
      , kalahandi
      Reviewed on Sep 24, 2018
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