Liberty Motor Insurance Company

Liberty General Insurance Limited began its operations in 2013 as a joint venture of three companies - Liberty Citystate Holdings PTE Limited, Enam Securities and DP Jindal Group. The company provides comprehensive commercial retail and industrial insurance products and solutions. It offers personal accident and health insurance, two-wheeler and car insurance, marine insurance,and other types of insurance solutions to its customers.

Highlights of Liberty Motor Insurance Company

Claim settlement ratio 97%
NCB* Available, starts at 20%, up to 50% (maximum)
Network Garage 5000+
24*7 Road Side Assistance Available
Top Motor Insurance Plans by Liberty Motor

Compare Top Motor Plans from Liberty Motor Insurance Company

Third-Party Vehicle Insurance
Comprehensive Vehicle Insurance
Own Damage Policy
Points of Comparison
Third-Party property damage
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Third-party bodily damage
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Third-party vehicle damage
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Add-On Coverage
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Personal Accident Coverage
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Car Theft
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Damages to own car due to natural calamity
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Damages to own car due to fire
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Damages to own car due to accident
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Points of Comparison
Third-Party property damage
Third-party bodily damage
Third-party vehicle damage
Add-On Coverage
Personal Accident Coverage
Car Theft
Damages to own car due to natural calamity
Damages to own car due to fire
Damages to own car due to accident

Awards and accolades won by Liberty Motor Insurance

Liberty General Insurance is one of the fastest-growing insurance companies in India. The company has improved its services with each passing year by offering the finest insurance products to its customers for which it has been awarded some prestigious recognition in various events. Some of the awards received by the company are as follows:

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The company was awarded the ‘Rising Star Insurance Award’ at the India Insurance Awards.

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Liberty insurance received ‘SAP Pinnacle Awards in the year 2015.

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The company received ‘Employer of Choice’ by Excellence Awards.

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The company was recognized as the ‘Best Emerging Organization in BFSI’ by the Patel Group and Company.

Key Highlights of Liberty Motor Insurance Company

Features

Meaning

Number of workshops

5000+ workshops across India

Number of employees

1200 + employees across India

Number of offices

110 offices in 95 cities across 29 states

Features of Liberty Motor Insurance

Features

Meaning

Third-party liability

Third-party liability means all the third-party legal claims arising due to an accident which has resulted in losses or damage to any third party in the form of death, physical injury or property damage.

Natural Disasters

Damages due to floods, earthquakes, landslides, storms, rockslides and other natural disasters are covered

Man-made disasters

Damages due to malicious intent such as terrorism, strikes, etc. are also covered

Theft

Theft of your vehicle can cause a huge dent in your savings. Liberty motor insurance policy protects you in case of theft of your vehicle. The comprehensive motor insurance policy pays a lump sum amount to help you buy a new vehicle.

In-transit loss

Accidents to the vehicle during transit by rail, road, lift or inland waterways are covered.

Personal accident cover

Personal accident cover is for the owner or driver of the vehicle. It is paid in a lump sum of up to 15 lacs in case of accidental death or permanent total disablement suffered by the owner or driver of the vehicle.

Exclusions in Liberty Motor Insurance Plans

Though Liberty motor insurance policies offer comprehensive coverage benefits, there are certain instances in which the insurance company is not liable to pay the damages. Such events are known as common exclusions. Your Liberty motor vehicle insurance excludes the following:
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Mechanical or electrical breakdown of the vehicle

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Wear and tear from the daily commute

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Loss due to depreciation in the value of the vehicle

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Damage loss suffered by vehicle outside the geographical location of India

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Damage loss suffered by vehicle outside the geographical location of India

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Contractual liabilities

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Driving the vehicle under conditions other than the ‘limitations of use’

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Damage caused due to driving the vehicle without a valid driving licence

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Damage caused due to driving the vehicle under the influence of drugs or alcohol

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Damages to the tubes or tyres of the vehicle unless it has occurred in an accident

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Damage to the vehicle due to civil war, nuclear perils, mutiny, etc.

Motor insurance plans offered by Liberty

Motor vehicle insurance provides financial coverage that you may need during an accident. It covers you from financial losses or liabilities and provides peace of mind that you and your vehicle are financially protected from the losses or damages that may arise from an accident. When you buy a motor insurance policy from Liberty General Insurance Company, you get more than the basic protection. Liberty Insurance offers motor insurance for both cars and two-wheelers.
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Liberty Car Insurance:

Car accidents can happen without warnings and can lead to a huge dent in your pocket. Be it third-party liabilities or own damages repair, with a Liberty car insurance policy, you can stay stress-free that you and your car both are covered from financial liabilities in the event of an accident. Liberty General Insurance Company offers the following two types of car insurance policy:

 

  Type of Insurance   Features
 Standalone Own-Damage Car Insurance plan  A standalone own-damage insurance   covers damages caused to your car.   However, it does not cover third-party   liabilities or damages and can be   brought only if you already have a valid   third-party liability insurance policy as   mandatory under law.
 Comprehensive Car Insurance Plan  Comprehensive car insurance covers   third-party liability and own damage   cover. It provides combined coverage   under a third-party liability-only and   standalone own-damages policy.

 

 

 

 

 

 

 







 

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Liberty Two-wheeler Motor Insurance:

A Two-wheeler insurance policy provides financial protection against losses or damages that you may face due to thefts, accidents and natural disasters. It also protects the insured vehicle from third-party liabilities if the insured vehicle is involved in an accident which has caused injury to the third party, their vehicle or property. Liberty General Insurance company offers the following two types of two-wheeler insurance policy:
 

  Type of Insurance   Features
 Standalone Own-Damage Two-wheeler   Insurance plan  A standalone own-damage insurance,   as its name suggests, covers damages   suffered by the insured vehicle due to   theft or accident. Your vehicle can also   get damaged in an accident; while the   mandatory third-party liability-only   policy handles the third-party liabilities,   you also need insurance which would   cover the repair cost of your vehicle.
 Comprehensive Two-wheeler Insurance Plan  Comprehensive two-wheeler insurance   covers vehicle damages and injury to   you or a third party. It provides   comprehensive coverage, which   extends to the theft of the vehicle.
 It not   only fulfils the legal mandate of   third-   party liability but also covers   own   damages suffered by the two-   wheeler in   an accident.

 

 

 

 

 

 

 

 

 

 

 

 

 

Eligibility conditions

Age Criteria

The applicant’s age should be 18 years and above

Citizenship

The applicant must be an Indian citizen

Vehicle

He/she must possess a vehicle registered in his/her name

Vehicle Registration

The individual must possess an RC or registration certificate

Identification Document

He/she must have a valid DL or driving license

Mandatory Document

The vehicle must have a valid pollution under control (PUC) certificate

How to buy Liberty Motor Insurance Plan?

Go to the official portal of Liberty Motor Insurance. Go to "Motor Insurance" and then click on to “Car/Two Wheeler Insurance”. Go to “Buy Online” and enter vehicle registration number and your registered mobile number to get a quote.

Or visit the Paybima portal and select Motor Insurance from the options available.

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Visit the Paybima homepage and click on the ‘Motor Insurance’ tab in the dropdown menu.

2

Fill in your required details and request a callback.

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A Paybima representative will help you buy the most suitable plan.

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You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

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You can visit a Paybima branch near you.

The process of renewing Liberty Motor Insurance Policy

What is the Process for Filing a Claim for Liberty Motor Insurance Plan?

Liberty general insurance company offers a seamless and convenient claim statement process with claim assistance at any time. It ensures settling a claim at the earliest and provides effective claim assistance and support services to file and receive a claim. You can claim Liberty Motor Insurance through the PayBima website. The steps are as follows:
1
Inform Liberty General:

Initiate the claim no sooner than it occurs by informing the insurance company about it. You can contact Liberty General Insurance Company by calling on the toll-free number or visiting its official website and quoting your insurance policy number and vehicle registration number.

2
Locate the nearest workshop:

Liberty General Insurance provides both cashless and reimbursement claim settlement. You can avail of cashless settlement of your claim if you repair your vehicle in a networking workshop with which Liberty General has a tie-up. Liberty Genera has a tie-up with 5000+ workshops across India. Locate the nearest workshop through the insurance company's official website and take your vehicle to that workshop for repair.

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Damage Assessment:

Liberty General would send a surveyor to assess the damage caused to the vehicle to initiate your claim, after which the repair would begin. The surveyor would inspect your vehicle and submit a survey report to the company. The company would then approve the claim and intimate the workshop to begin the repair.

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Submit the Claim Form:

Then fill up a claim form with correct and accurate information of your details, such as name, location, etc. and vehicle details, such as insurance policy number, registration number, etc. You can download the claim form from the official website of Liberty General or can also get it from the branch office of the insurance company. After duly filling out the claim form, submit it with relevant documents for a successful claim settlement.

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Claim settlement:

Liberty General would assess the validity of the details and documents provided by you, and if everything is correct, it will approve your claim. Upon approval, you can collect your vehicle from the network garage, and the insurance company would directly settle the repair bills with the network garage.

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Claim Reimbursement:

You can opt for a reimbursement claim facility if you want to get your car repaired at a non-networked garage or if your cashless claim gets rejected. For reimbursement of claims, get your vehicle repaired at any workshop nearest to your location, pay all the repair bills, and then submit a claim form to the insurance company along with the original repair bills. Liberty General would verify your claim and credit the amount in your bank account.

Certain documents are required to be submitted to Liberty General for the successful settlement of the claim. The documents include the following:
 

  • Valid Driving License of the person driving the vehicle

  • Vehicle Registration Certificate

  • Original Policy Document

  • Bank account details for reimbursement claims

  • Original repairs bills

  • Police FIR and Inspection officer report in case of theft or robbery of the vehicle.

Guaranteed Claim Support

When you buy or renew a motor insurance plan from us, we guide at every step till your claim is settled.

Start your claim process with us to get our support

Review of Liberty Motor Insurance Company

Liberty General insurance is India's leading general insurance provider. Liberty motor insurance policy offers you more than basic protection. It is known for its convenient, efficient and best-in-class products. Some other highlights of the company are as follows:
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Liberty General Insurance has a whopping claim settlement ratio of 94% for the financial year 2021- 2022.

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The company has tied up with 5000+ network workshops across India so that you can easily avail of cashless claims.

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Liberty motor insurance offers various add-on covers with its motor insurance policy to help you customize your plan as per your insurance requirements. Everything right from depreciation cover to engine protection cover is available in case you need one.

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