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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

    • Liberty Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Features are good Liberty General, they give cash less service for damages and also no claim bonus available. Even the premium is also best and they gave me good IDV value for my apache bike. The policy activation process was also smooth and hassle free.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2018
    • Liberty Two Wheeler Insurance
      "Average Policy"
      0.5 4.0/5 "Great!"
      They are not picking the call most of the time in their customer care. They are providing the zero depreciation policy hence i moved away from this policy. I had a claim experience once with Liberty General which is average. Its taking 10 days to get the vehicle and they have not claimed for 100%. I applied the claim amount of Rs. 5000 and i got only Rs. 3000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2018
    • Liberty Two Wheeler Insurance
      "Good Insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have been told that the policy documents will sent post address and the same has not received so far. Once i called the customer care for this issue, they said it will received 10 working days. I went all the details of the policy, hence i have chosen the Liberty General. The coverage amount was good and satisfied.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 09, 2018
    • Liberty Two Wheeler Insurance
      "Low premium with better cover"
      0.5 5.0/5 "Blown Away!"
      My Tvs scooty is five year old but still Liberty General insurance company gave me the best coverage for the tenure of one year. The reason to chose the insurance company has many features like cash less garages and no claim bonus on my bike policy.
      Was this review helpful? 0
      , theni
      Reviewed on Oct 08, 2018
    • Liberty Two Wheeler Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I felt the premium amount is economical when it compared with other insurance. Even the coverage value is also better for my two wheeler policy. I have ROYAL ENFIELD it got third party coverage it which includes damage, loss and other coverage.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 08, 2018
    • Liberty Two Wheeler Insurance
      "Yet to experience the policy"
      0.5 3.0/5 "Satisfactory"
      I just made the payment and taken this policy for the sake. Still i have not received the hard copy as they promised. My two wheeler insurance policy taken in the month of January with Liberty General. I have made the premium amount of Rs. 900 approximately.
      Was this review helpful? 0
      , villupuram
      Reviewed on Oct 05, 2018
    • Liberty Two Wheeler Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I have not faced any issues with the insurance policy. 5 months before i have purchased this two wheeler insurance policy with Liberty General. I have made a premium amount of Rs. 1100 and i have no idea about the coverage amount. Its covered with a first party insurance. I have done everything through online.
      Was this review helpful? 0
      , panvel
      Reviewed on Oct 05, 2018
    • Liberty Two Wheeler Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      Since my two wheeler is 8 years ago they have not provided 100% coverage. 8 months before, i have purchased the two wheeler insurance policy with Liberty General. I pay the premium of Rs. 1800. Minimum rates are there and the plans are good hence i have chosen the policy with Liberty General. Till now i don't have any claim experience.
      Was this review helpful? 0
      , raichur
      Reviewed on Oct 05, 2018
    • Liberty Two Wheeler Insurance
      "Nice policy"
      0.5 5.0/5 "Blown Away!"
      I have not read out the policy documents hence i'm not sure about the plans and benefits. I have purchased this two wheeler insurance policy 6 months before. I have made a premium amount of Rs. 1500 approximately. I do not contact the customer care service of Liberty General. Its totally hassle free policy.
      Was this review helpful? 0
      , ramanathapuram
      Reviewed on Oct 04, 2018
    • Liberty Two Wheeler Insurance
      "Yet to Experience policy"
      0.5 5.0/5 "Blown Away!"
      Since that was a cheapest policy, i have chosen the Liberty General Company. I have paid the premium amount of Rs.1500 nearly. The documentation process was good and i never called their customer care service till now. Its zero depreciation policy and this is a first party insurance.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 04, 2018
    • Liberty Two Wheeler Insurance
      "Quick better and good experience"
      0.5 5.0/5 "Blown Away!"
      Basically the process is easy doesn't have too complicated to renew the policy and its good to go with Liberty General. The benefits are good for my TVS star city bike but so far I didn't claim and the cost is also economical compared to the market.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 04, 2018
    • Liberty Two Wheeler Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I already had a two wheeler insurance policy with Liberty General hence i just want to renew the policy with the same company without any reason. I pay the premium amount of Rs. 1200 and i took this policy in the month of January. They have offered me a IDV value of approximately Rs. 40000. I never faced any issues with the policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 03, 2018
    • Liberty Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Liberty general is easy to do the bike renewal through online, the premium is economical and its competitive as per the market. I have taken third party damage cover with Loss, damage, death. They do have add on coverage with better feature.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2018
    • Liberty Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      At the time of renewal I found Liberty General Insurance coverage value is good, they offered me Rs. 34,000 IDV value. I have paid the premium amount of Rs. 1199 for the tenure of one year. Its a comprehensive policy which has coverage of death and loss.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2018
    • Liberty Two Wheeler Insurance
      "Hassle Free policy"
      0.5 5.0/5 "Blown Away!"
      I haven't touch with the customer care till date since i don;t required to call them. I just purchased the policy and I'm keeping with me. I have got the policy 5 months ago. I was comparing the policy with other companies because of the premium is low in that hence i have selected this company. The documentation process was good and simple.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2018
    • Liberty Two Wheeler Insurance
      "Good Policy with low premium"
      0.5 4.0/5 "Great!"
      I have purchased this two wheeler insurance policy around 7 months before. I have selected Liberty General because of the low premium amount. I pay the premium amount and IDV value which is Rs. 40000 both are convenient for me. I haven't face any problem with the policy so far. The documentation process was nice.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2018
    • Liberty Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      They used to provide all the information in their customer care services. Its easy to contact the customer care. I think 5 months back i have taken my two wheeler insurance. Because of the smooth process i have selected this company. I have received a coverage amount of Rs. 67000 and I'm satisfied with it.
      Was this review helpful? 0
      , anantapur
      Reviewed on Oct 02, 2018
    • Liberty Two Wheeler Insurance
      "Very Good Policy"
      0.5 4.0/5 "Great!"
      The premium amount is low thats the reason i have bought the policy with Liberty General. I am having two wheeler insurance policy from last 10 months. I have got a satisfied IDV value. Through online, i have completed the documentation process. This is a third party insurance and i have not gone through any claim experience so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 02, 2018
    • Liberty Two Wheeler Insurance
      "Need to improve the customer care"
      0.5 3.0/5 "Satisfactory"
      I have sent a email to them regarding the hard copy issue but they have not replied for the same. So far i have not received my hard copy of the documents. I have contacted the customer care and i got a proper reply but i didn't the proper result finally. The success rate of the claim is high and the premium amount was reasonable hence i have chosen this company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 02, 2018
    • Liberty Two Wheeler Insurance
      "Best policy for the middle class people"
      0.5 3.5/5 "Pretty good"
      Just for sake i have taken the policy with Liberty General and there is no benefits in this policy as well. Because of the low price i have purchased this policy last year and i have been renewing the policy with the same company. Whatever i paid i have got low IDV value when i compared with the other companies.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 02, 2018
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