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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
      "AVERAGE"
      0.5 4.0/5 "Great!"
      There is no particular reason behind taking the car insurance policy with LIBERTY GENERAL INSURANCE is satisfactory where they have provided the premium and IDV value were good. Premium i paid 6500k approximately but i am not aware of the coverage they provide.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Sep 18, 2018
    • Liberty Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason for taking car insurance policy with LIBERTY GENERAL INSURANCE is online portal suggested me so i have taken this policy and i am not sure about the premium but approximately i paid 9k.I had no claim experience added on that they gave the zero depreciation coverage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 17, 2018
    • Liberty Car Insurance
      "BEST POLICY"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the car insurance policy with LIBERTY GENERAL INSURANCE is premium is lower so i have taken and the IDV value is also satisfactory. Policy coverage is for basic along with that they provided the road side assistance. I had not experienced with the claim in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
    • Liberty Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased this car insurance policy last year. I have paid a premium amount of Rs. 15900. Its not covered with the bumper to bumper. There was a covered amount of Rs. 3.5 lakhs approximately. I chose this company because when i was searching for the low premium since my car has completed more than 5 years.
      Was this review helpful? 0
      , sultanpur
      Reviewed on Sep 12, 2018
    • Liberty Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      My dealer has provided me a car insurance with Liberty Videcon. I never tried their customer care since i have not claimed anything. I have not compared any benefits with other companies since its provide by dealer. I have paid Rs. 42000 as premium amount. They never reached out me for renewing the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2018
    • Liberty Car Insurance
      "AFFORDABLE PREMIUM WITH BEST CAR POLICY"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy taken from Liberty Videocon General Insurance, because of the competitive price with this policy I found the price to be more or less same. The policy coverage is for basic plan and Idv is also nominal. I had not claimed anything so far with this policy, the documentation process was smooth when I applied for it and everything was through on line process it was easy and smooth.
      Was this review helpful? 0
      , greater noida
      Reviewed on Aug 16, 2018
    • Liberty Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      They have not sent the hard copy of the policy documents. For that i have called the customer care but they have never sent it so far. I have taken the policy in the month of January. I have paid the premium amount of Rs. 4,900. They are offering the claim amount of Rs. 2 lakhs. I have forgot about the benefits and features of the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 09, 2018
    • Liberty Car Insurance
      "Not reliable"
      0.5 1.0/5 "Really Bad"
      There is an issue with respect to the policy. They have wrongly mentioned the nominee name. Instead of my daughter they have wrongly mentioned as my wife.I have already sent a email to them for a change, but the same is not changed till date. I have not claimed the policy so far. I was not required to contact the customer care. I have not read the policy documents in detail.
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 07, 2018
    • Liberty Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the insurance from the LIBERTY GENERAL INSURANCE because of the lowest price and also i am getting the lowest premium. I am not aware of the policy coverage but the documentation process is easy done with the online and received the soft copy too.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 06, 2018
    • Liberty Car Insurance
      "GOOD"
      0.5 3.5/5 "Pretty good"
      Taking my car insurance from the liberty because the reason is that the premium is lesser when compared to the others and also for the brand value. I had no claim. Documentation done on time and through the on line. Policy coverage is for the more than basic better than all.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on Aug 03, 2018
    • Liberty Car Insurance
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I have my car insurance with Liberty General insurance. The customer services and response is good. The policy coverage is also good. There are good features like the road side assistance and the cashless garages. The premium is also normal.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 18, 2018
    • Liberty Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      The car insurance policy with Liberty just provides accidental coverage for the third party with a premium of 55306. There is no bumber to bumber feature in this policy. As it was a low premium I decided to opt for this Car insurance policy with Liberty.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • Liberty Car Insurance
      "Good features. Can do better "
      0.5 2.0/5 "Expected more"
      The overall process was good with Liberty insurance. I have taken a car insurance policy. The main reason I have chosen this policy is because the premium is the lowest with the best of benefits. There is a no claim bonus feature and road side assistance and also the cashless garages feature. The major drawback is I have not got the hard copy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 09, 2018
    • Liberty Car Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      I have taken my car insurance from Liberty insurance. The customer services are good. They processed my details on time. There is no free road side assistance and the premium is normal. There are facilities of cashless garages. The benefits can be better.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 08, 2018
    • Liberty Car Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I have been holding my car insurance from the LIBERTY GENERAL INSURANCE and my experience with that is good. Documentation i have done through the on line. I had no claim experience. Coverage is for b to b. Premium is reasonable. IDV is good. Actually i got more benefit and also the premium is good so that's the reason i am holding with this.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • Liberty Car Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      The whole process was fine with Liberty general insurance. I had no hassles to buy the car insurance policy. I am not sure on the IDV and the other benefits and features on this policy. Overall it is good and the premium is also satisfactory for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 04, 2018
    • Liberty Car Insurance
      "Benefits are good. CS needs improvement"
      0.5 3.0/5 "Satisfactory"
      The policy benefits are good in the car insurance at Liberty Videocon. I have taken a Pearl Plan for a MARUTI SUZUKI VITARA BREZZA. The best I preferred about the insurance that they have a wider network of garages, so I can get my card booked at any service station easily. The second is the rates on the premium and IDV is good. But, the drawback is that they have sent all the documents wrong. There are minute mistakes like for example, the policy is on my wife name. It is mentioned as Mr and not Mrs. I have tried contacting them for the same and they are yet to make changes on it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • Liberty Car Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      The main factor I considered taking my car insurance from Liberty Videocon is the premium is less and the IDV is better. The premium is around 13K which is paid on a yearly basis. The IDV is around 6.25 Lakh. The customer services are good and there are no hassles overall.
      Was this review helpful? 0
      , bareilly
      Reviewed on May 29, 2018
    • Liberty Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      My overall experience is good with my insurance. Customer service is good. Payment i will be doing fro my insurance through on line. I had no claiming experience so for. Policy coverage is good and it is for 1 year and it good. I took insurance for my new car. Overall it is good and i am happy with my insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • Liberty Car Insurance
      "Good policy"
      0.5 2.5/5 "Just OK"
      I have taken car insurance Liberty general insurance . I have taken this insurance because of low premium amount with good benefits . This policy cover Road side assistance and cashless garages .I paid it annually through online banking . Overall am satisfied with this policy.
      Was this review helpful? 0
      , thrissur
      Reviewed on May 23, 2018
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