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  • Liberty Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    Two-wheelers are abundant on the roads in our country and the chances of accidents are high. In many cases, people involved in an accident and liable to pay for damages claim they are from low backgrounds and cannot afford it. So the Government of India made it mandatory to have a basic third-party liability policy on all two-wheeler vehicles. Liberty General Insurance offers two package policies with different tenures.

    Policy Period 1 year Multi-year
    Policy Types Package policy Package policy
    Policy Coverage
    • Loss or damage to own vehicle due to natural calamities
    • Loss or damage to own vehicle due to manmade calamities
    • Personal accident cover
    • Third-party liability
    Exclusions
    • Consequential loss
    • Loss incurred outside the geographical area
    • Claims arising from contractual liability
    • Normal wear and tear
    • Invalid driving licence
    • Use of vehicle for purposes other than limitations of use
    • Loss or damage due to war or nuclear related events
    • Damages covered under manufacturer’s warranty or recall
    • Riding under the influence of alcohol or drugs
    Renewal frequency Annual End of policy term
    Available Add ons
    • Damage to electrical and nonelectrical parts
    • Personal accident cover to pillion rider
    • Damage to electrical and nonelectrical parts
    • Personal accident cover to pillion rider
    No Claim Benefit Applicable for every claim-free year Applicable for every claim-free year
    No Claim Benefit after Claim Not specified Not specified
    Zero Depreciation Cover NA NA
    Refund Facility If the policy is cancelled at the request of the insured, no refund of premium is applicable If the company cancels the policy by sending 7 days notice, then the premium minus any pro rata portion will be refunded
    Policy Expiration If your policy expires, the NCB is affected negatively, third-party liability cover ceases, and cost of repairing your vehicle increases
    Network Garage Over 900 network garages across the country

    Reasons to Choose Liberty Two-Wheeler Insurance

    When you opt for a two-wheeler insurance policy from Liberty General Insurance, you stand to benefit from a number of value-added features.

    Hassle-free inspections

    Liberty General Insurance provides hassle-free inspections with high service standards.

    Renewal discounts

    Get discounts when you renew your two-wheeler insurance policy with Liberty General Insurance.

    Lost key assistance

    In the event that you lose your bike key, Liberty General Insurance will provide assistance in getting a duplicate one.

    Quick claim settlement

    Liberty General Insurance assures customers that claims on two-wheeler insurance policies will be settled within 7 working days.

    Telephonic support

    Get support from the customer care service anytime and anywhere through the toll-free hotline. For claims assistance, the customer care is available every day between 8:00 a.m. and 8:00 p.m.

    Predefined depreciation

    Enjoy predefined depreciation values on your vehicle parts to ensure efficient replacement in case of damages incurred due to an accident.

    Vehicle relocation

    Liberty General Insurance will provide assistance in relocating your two-wheeler to a garage in case of any major breakdown.

    Bike Insurance Plans Offered by Liberty General Insurance

    There are two plans on offer from Liberty General Insurance that cater to customers who need a two-wheeler insurance plan.

    Multi-year two wheeler package policy

    With this plan, you can choose a tenure of 2 or 3 years. You only need to make one single premium payment to avail cover for the entire term of the policy. With this plan, you can benefit from protection against rising premiums for third-party cover. In case you don’t make a claim through the tenure of the plan, you will be entitled to receive a no-claim bonus.

    One-year two wheeler package policy

    This plan is valid for one year and will provide comprehensive cover against own damages and third party liabilities. The plan is also eligible for no-claim bonuses for every claim-free year. If the IRDAI increases third-party premiums, then the premium for this plan will increase upon renewal.

    Coverage Offered under Liberty General Insurance Two Wheeler Insurance

    • Loss or damage to own vehicle due to natural calamities

    If your vehicle is damaged or lost completely due to natural events, the insurance plan will pay out a benefit to cover expenses or losses. The natural calamities covered include self-ignition or lightning, fire, explosion, flood, typhoon, earthquake, storm, hurricane, tempest, inundation, hailstorm, cyclone, frost, landslide and rockslide.

    • Loss or damage to own vehicle due to manmade calamities

    The two-wheeler insurance policy will also cover certain manmade disasters. These include theft, burglary, riot, strike, accident by external means, malicious act, terrorist activity, any damage in transit by air, rail, road, rail, inland waterway, lift, or elevator.

    • Personal accident cover

    The owner or driver will get an individual accident insurance cover for any injuries sustained while driving, travelling, mounting or dismounting the bike. The cover offered with this plan is Rs.1 lakh. Policyholders can also take additional cover for pillion riders and unnamed riders.

    • Third-party liability

    For any accidental damages caused to a third party, the insurance pays for any legal liabilities as per the provisions of the plan. The insurer will cover any expenses related to accidental death, permanent injury or damage to property of a third party. For damages to third-party property, the insurance cover is capped at Rs.1 lakh. For death caused to a third party, there is no limit on the insurance cover.

    Exclusions in Liberty Bike Insurance

    There are certain exclusions applicable under a two-wheeler insurance policy from Liberty General Insurance. Under these particular circumstances, the insurer will not be liable to pay any benefits to the policyholder.

    • Loss or damages incurred outside the geographical area
    • Consequential loss
    • Claims arising from contractual liability
    • Normal wear and tear or breakdowns
    • Driving without a valid licence
    • Use of vehicle for purposes other than limitations of use
    • Loss or damage due to war or nuclear related events
    • Damages covered under manufacturer’s warranty or recall
    • Riding under the influence of alcohol or drugs

    Eligibility to Buy Liberty Two Wheeler Insurance Online:

    To avail a two-wheeler insurance policy, a few requirements need to be fulfilled by the vehicle owner. The eligibility criteria differs between companies, and also between purchase and renewal. There are certain aspects that any insurance company will check before handing out an insurance policy.

    • Registration - The bike needs to be registered with a Regional Transport Office (RTO) in the country.
    • Driver details - The person availing the policy should be of legal age to ride and have a valid license.
    • Modifications - Modifications made to the vehicle might result in insurance companies being reluctant to provide insurance cover.
    • Fitness certificate - The vehicle might need a fitness certificate, especially if it’s an old bike.
    • Payment - Depending on the plan chosen, a premium amount will have to be paid to avail the policy.
    • Inspection - Depending on the vehicle, an inspection by a representative of Liberty General Insurance might be required.

    Steps to Buy Liberty General Insurance Bike Insurance Policy Online:

    You can buy a two-wheeler insurance policy from Liberty General Insurance easily online.

    • Log on to the Liberty General Insurance official website and opt for “Two Wheeler”.
    • Click on “Buy Online”.
    • Enter the information required about your bike and yourself.
    • You will then receive a quote of the estimated premium.
    • If you agree with the premium rate, you can go ahead and make the payment.
    • Once the payment is made, your policy will be issued.

    How to make a Claim from Liberty General Insurance

    If you need to make a claim on your two-wheeler insurance policy, you can follow the steps below:

    • Register your claim with Liberty General Insurance online or via customer care, or at a branch.
    • A representative will contact you for the required information.
    • You can seek assistance from the representative as to whether to move the vehicle to a garage or to wait for the surveyor.
    • A surveyor will be sent within 24 hours within city limits and within 48 hours outside city limits.
    • Submit your documents to the insurer for verification.
    • The insurance provider will verify your claim, and if approved, will settle the claim.

    If you are eligible for cashless claims, you need to get your vehicle repaired at a network garage. The garage and the insurance provider will deal with each other directly. You will not be required to pay for any repairs up to the extent that the policy covers. Liberty General Insurance will settle the bill with the garage. A list of network garages can be found on the Liberty General Insurance website.

    Renew Liberty Two Wheeler Insurance Online in a Few Simple Steps

    When you renew your policy on time, the process is hassle-free and much simpler. Once the policy expires, renewal might require additional inspections and other information before the insurer is satisfied to give you a policy. You can renew your policy online in a few simple steps.

    • Log on to the Liberty General Insurance official website and opt for “Two Wheeler”.
    • Click on “Renew LVGI Policy”.
    • Enter your LVGI Policy number.
    • Enter either your registration number, engine number or chassis number. Enter “new” if you vehicle was a new one last year.
    • Click on “Submit”.
    • You will then receive a quote of the estimated premium.
    • If you agree with the premium rate, you can go ahead and make the payment.
    • Once the payment is made, your policy will be issued.

    Why Deductible is important in a Liberty Bike Insurance Plan:

    When you take an insurance plan, the insurer might give you an option to choose your deductibles. Deductibles are simply the amount you are willing to pay if anything were to happen to your vehicle. The insurer will pay the rest. For example, if you opt for a 10% deductible, then you will be liable to pay for 10% of the damages caused to your vehicle or a third party. The insurer will only pay 90% of the cost, to the extent of the sum assured.

    • A higher deductible will lower your premiums, but this will also mean that in case of an accident, you will be liable to pay a higher amount.
    • Choosing a lower deductible will increase your premiums, but at the time of claiming insurance, Liberty General Insurance will pay a higher amount.

    What to do if your Liberty Two Wheeler Insurance Plan Expires

    If you have missed the renewal date and your policy has lapsed, there are a few things you can do to remedy the situation. If your insurance policy expires, it is not legal to ride on Indian roads as per the prevailing motor laws. If something were to happen, you could end up paying high costs in damages to your own vehicle and to third-parties involved, including any damages to surrounding property. If you are riding with an expired insurance policy, it is punishable by law and you will be liable to pay a fine if you are caught. To be safeguarded against these expenses, it is advisable to renew your policy on time and always have a valid insurance plan for your two-wheeler. Furthermore,

    • Contact Liberty General Insurance as soon as possible and seek advice as to how to go about renewing your policy. There might be a grace period or a reinstatement period within which you can renew your policy without much hassle.
    • You can log on to the Liberty General Insurance official website and opt to renew your policy through the process mentioned above.
    • If you are not given this option, you can simply purchase a new policy.
    • Insurance providers generally require an inspection of the vehicle before they can renew a lapsed policy.
    • You will need to pay the premium to renew the policy. Please note that if the insurer finds good reason, they can increase your premiums payable.

    Liberty Two Wheeler Insurance Customer Care Service:

    Liberty General Insurance provides a customer care service round the clock to address any grievances, claim settlements, queries and complaints that customers might have.

    • Toll-free - 1800-266-5844
    • Fax - 022 6700 1606
    • Boardline - 022 6700 1313
    • Send in an email to care@libertyinsurance.in
    • You can also write to the customer support through the official website.
    • You can request for a call back from the customer support on the official website.
    • You can send your query via post to the following address:

    Liberty General Insurance Ltd.

    10th floor, Tower A,

    Peninsula Business Park,

    Ganpatrao Kadam Marg,

    Lower Parel, Mumbai - 400 013

    Liberty Two Wheeler Insurance FAQs

    1. What is passenger assist cover?
    2. This cover offers the insured person assistance in case medical transport is needed, and an allowance to take care of hospital and medical expenses.

    3. What are the documents required for renewal of my two-wheeler insurance?
    4. You need your previous insurance copy and the registration certificate of the vehicle.

    5. Will I get a discount on premium if I have an anti-theft device installed on my vehicle?
    6. It is not common for anti-theft devices to be installed on two-wheelers. However, yes, Liberty General Insurance offers discounts for the installation of anti-theft devices.

    7. What is a No Claim Bonus?
    8. During the policy term, if you do not make any claims, you will be entitled to a No-Claim Bonus. This bonus is given in the form of a discount on premiums. So if you have not claimed insurance, then when you renew your policy, your premium amount will be lesser. NCB accumulated by one person cannot be transferred to another person.

    9. What is depreciation cover?
    10. This cover provides the insured with the benefit of full financial protection in case of replacement of parts without taking into consideration any deductions for depreciation of their value.

    11. What is Insured Declared Value? Is it important?
    12. The Insured Declared Value or IDV is basically the market value of your vehicle. When you purchase an insurance policy, the insurer will take into consideration the prevailing market value and then decide on the sum insured. IDV is important because if you choose a sum higher than the market value, you might end up paying higher premiums for no reason. If you choose a lower IDV, then your premiums come down but so will your insured amount.

    Two Wheeler Insurance Reviews

    • HDFC Ergo Two Wheeler Insurance
      "ERGO GENERAL INSURANCE"
      0.5 4.0/5 "Great!"
      HDFC ERGO GENERAL INSURANCE i am holding the insurance for my bike and all over the service is good. I have not yet contacted the customer service from them. Policy coverage is good and i have idea regarding the plan benefit from my insurance. The documentation process was very simple.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have been using my two wheeler insurance from the BHARTI AXA GENERAL INSURANCE from few days back. My overall experience from this insurance is that it is good. When it comes to the documentation i got within 2 days. I have no idea of paperless or paper approval. Customer service is very good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Best Suggestor for Policy"
      0.5 4.0/5 "Great!"
      I've been using BankBazaarinsurance.com to compare various financial products and services for the past couple of years. I'm really happy about their service and the website. Their customer support was also good. Bankbazaar is a great platform to use.
      Was this review helpful? 0
      ,
      Reviewed on May 19, 2018
    • Bharti Axa Two Wheeler Insurance
      "Satisfactory Policy"
      0.5 5.0/5 "Blown Away!"
      I need low value premium so many people have suggested me to take the policy from Bharti Axa. Their benefits are loyal. The claim amount is high when i compared to other companies. I have paid Rs. 1100 for my two wheeler insurance. Still i have no claim experience.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on May 19, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "User Friendly Website"
      0.5 4.0/5 "Great!"
      I have no customer experience in Bankbazaar. It is use the website. I made the net banking in Bankbazaar. I use the web interface which is pretty much user friendly. Overall I'm a happy with the wide range of options they provide to the customers.
      Was this review helpful? 0
      ,
      Reviewed on May 19, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I don't have any experience of claiming so far. I have paid Rs.1100 for as a premium for my Hero Achiever Bike insurance. This is the 1st time using a tow wheeler insurance from HDFC. I'm not aware of the most benefits.I didn't face any hassle buying it online. However I specifically made a request for the hard copy which I'm yet to recieve.
      Was this review helpful? 0
      , burdwan
      Reviewed on May 19, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "If you want benefit just Go for Bankbazaar"
      0.5 4.0/5 "Great!"
      Comparing for the best insurance policies for your benefits and saving your money. I have been using for Bankbazaar for 6 months even though i have not downloaded the bankbazaar app so far. Their customer service and their responsiveness is awesome.
      Was this review helpful? 0
      ,
      Reviewed on May 19, 2018
    • review Two Wheeler Insurance
      "Good For Everyone"
      0.5 4.0/5 "Great!"
      I don't have any experience so far. I'm thinking like their coverage is more compared to another companies. Actually i compared with other policies according to my criteria then this is the best i found. They are offering Rs. 49000 as claim amount. I have took the policy 4 months before
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Wonderful Website to Use"
      0.5 4.5/5 "Excellent!"
      I have not experienced with Bankbazaar customer care. Bankbazaar has comparison and availability of all the information. It has lots of financial option like loan, insurance, credit cards. I came to know about bankbazaar though tv ads. Its like a search engine for financial product
      Was this review helpful? 0
      ,
      Reviewed on May 19, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Affordable Policy"
      0.5 4.0/5 "Great!"
      I did comparison between HDFC and other companies and HDFC is one of cheapest low premium with better coverage. I can claim upto Rs. 1 lakh. I paid the premium around Rs. 2000 every year. I bought this HDFC Two wheeler policy in the month of December.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2018
    • review Two Wheeler Insurance
      "Good Services from IFFCO TOKIO"
      0.5 4.0/5 "Great!"
      When i purchased the vehicle, they provided me a IFFCO TOKIO two wheelers insurance, after that i used renew the policy with them. I'm not aware of the plans and benefits of it. I have been using this policy for past 4 years. I used to pay the premium of Rs. 1150 every year.
      Was this review helpful? 0
      , salem
      Reviewed on May 19, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Very Good Website"
      0.5 4.0/5 "Great!"
      I surfed the Internet and I've come across BankBazaarinsurance.com through Google search. It covers all the financial products we have like insurance, loans and others. I took the policy on my own. I'm yet to experience the bankbazaar app.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
    • review Two Wheeler Insurance
      "Recommendable Policy"
      0.5 3.5/5 "Pretty good"
      One of my friend suggested me to take the policy in LIBERTY INSURANCE and he said it is the low premium policy in the market. I'm not aware of the policy benefits. I had taken this policy for the sake of holding it. I took the policy during January month. I have paid the premium of around Rs. 1400.
      Was this review helpful? 0
      , nalgonda-andhra
      Reviewed on May 18, 2018
    • Reliance General Two Wheeler Insurance
      "Reliable and Value for Money"
      0.5 4.0/5 "Great!"
      It was cheaply avail policy with lot of facilities. They are giving very good coverage. It depends on the two wheeler elevation. The coverage amount i can get from reliance is higher than other companies. I don't find any inconvenience so far. Towing facility is not included if it is there then it will helpful.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Best Website"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar Customer care people are doing a good follow up with their customer. It is easy to apply in online. I used to check my credit score. I used to surf in bankbazaar website most of the time. It is easy to avail a loan or insurance by sitting @ home.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Good Network."
      0.5 4.0/5 "Great!"
      Their customer care response is very fast. Their customer care executive selecting for a appropriate policy for their customer according to their need.Website is too good. I have been using bankbazaar for past 1 year and I'm using it in my laptop. I searched bankbazaar in Internet.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      Everything is best in HDFC Ergo. I have made a payment around Rs. 1000 for HDFC two wheeler insurance. This is my 1st transaction with HDFC Bank. I purchased a policy just like that. I don't have keen interest about the plans. This is a 3rd party insurance.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 18, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Good Website to Use. "
      0.5 3.0/5 "Satisfactory"
      As i'm holding a bike I bought my two wheeler insurance through bankbazaar. This is the 1st transaction i made with bankbazaar. . They always satisfy their customer's needs. Too much spam calls and spam mails. I would also suggest them to reduce the number of messages they send. Website is very good.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      From past 4-5 months i am using the bank bazaar that is when i have purchased my product at the first time . I have got a very good and proper response from the bank bazaar and they helped me a lot for getting my product and they said like if i have any quires they will be solving it immediately and they helped too.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
    • Bankbazaarinsurance.com Two Wheeler Insurance
      "Super Website to Use"
      0.5 5.0/5 "Blown Away!"
      I've been using BankBazaarinsurance.com for an year now. I never faced any hassle with the website and interface. The interface is user friendly. The customer support people should have in depth knowledge about the product. I can get the policy within 5 minutes because of the speed and on the website itself.
      Was this review helpful? 0
      ,
      Reviewed on May 18, 2018
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