Hassle-Free Buying Process
24*7 Customer Support
Compare Different Plans Easily
Add-Ons for Customization
Liberty Car Insurance
Liberty General Insurance Ltd. is a company started together by Liberty Citystate Holdings PTE Ltd (part of the US-based Liberty Mutual Insurance Group), Enam Securities, and DP Jindal Group. The company began in 2013 to provide different insurance plans for people, businesses, and industries.
Liberty General Insurance has over 1,200 employees and 110 offices in 95 cities across 29 states in India. They work with around 5,000 hospitals and 4,000 car service centres. The company offers many types of insurance, including health and personal accident insurance, car and two-wheeler insurance, employee compensation insurance, commercial, fire, and engineering insurance, marine insurance, and other types of insurance.
About Liberty Car Insurance
Liberty Car Insurance offers two main plans: third-party insurance and comprehensive insurance. You can buy these plans online or at any Liberty branch in India. Third-party insurance is a basic plan. It pays if your car damages someone else’s property or injures someone in an accident.
Comprehensive insurance is a full plan. It covers damage to your own car from accidents, theft, fire, natural disasters, or man-made events, as well as third-party damages. You can add extra protection with add-ons like depreciation cover, roadside assistance, engine protection, key loss cover, consumables cover, and personal accident cover for yourself and co-passengers.
Liberty Car Insurance also gives easy car inspection, cashless claims at partner garages, quick claim settlement within 7 days, a No Claim Bonus, and helpful customer support.
Key Highlights of Liberty Car Insurance
Some of the important characteristics of Liberty Car Insurance are as follows:| Founded in | 2013 |
|---|---|
| Cashless Garages | 6,000+ across India |
| Offices all over India | 110 |
| Customer Care Assistance | 24*7 |
| Personal Accident Cover | Up to Rs. 15 lakhs |
| Emergency Roadside Assistance | Yes (with add-on) |
| Add-on covers | Available |
Motor Insurance Plans By Liberty
Types of Liberty Car Insurance Policy
Liberty General Insurance Company offers three simple types of car insurance.
- 01
Third-Party Liability Only Policy
This policy protects you if your car causes damage to another person or their property. It covers things like:
Injury or death of a third personDamage to another person’s car or propertyThis policy is required by law for all car owners in India. The cover for injury or death is unlimited, but the cover for property damage is up to Rs. 7.5 lakh. This plan does not pay for damage to your own car.
- 02
Standalone Own Damage Policy
This policy protects your own car if it gets damaged because of:
Road accidentsTheftFireNatural disastersIt only covers your car, not any third party. You can buy this plan along with a third-party policy. For example, if you already have a third-party policy and want protection for your own car, you can buy a standalone own-damage policy.
- 03
Comprehensive Car Insurance Policy
A comprehensive car insurance policy gives full protection. It covers damage to your own car and also covers third-party liabilities. This policy pays you if your car is damaged because of an accident, theft, fire, earthquake, riot, or any other unexpected event.
Besides protecting your car, it also covers damage or injury caused to another person or their property. You can make this plan even better by buying extra add-on covers from the insurance company, by paying a little more.
Benefits of Liberty Car Insurance
Here are some benefits that you can get if you buy your car insurance from the Zurich Kotak company:
- 01
Liberty Car Insurance gives you many helpful benefits. It protects you from paying big repair costs after an accident, theft, fire, or natural disaster. This means you do not have to worry about sudden expenses.
- 02
You also get cashless repair service at many partner garages. This allows you to get your car fixed without paying up front. The company also settles claims quickly, so you get your car back sooner.
- 03
Liberty offers useful add-on covers like roadside assistance, engine protection, and key loss cover. These add-ons give you extra safety and support whenever you need it.
- 04
You can also get a No Claim Bonus if you do not make any claims during the policy year. This helps you save money on your next insurance renewal. Overall, Liberty Car Insurance gives you good protection, easy service, and peace of mind while driving.
Add-Ons of Liberty Car Insurance
Roadside Assistance Cover If your car breaks working on the road, this cover sends help to you. It gives services like small repairs, towing, and emergency fuel. This helps you continue your journey without stress.Passenger Assistance Cover This cover protects the passengers sitting in your car during an accident. It pays for medical help, hospital allowance, and transport to the hospital. It makes sure passengers get quick support when they need it.Depreciation Cover When car parts get old, their value reduces, which is called depreciation. A normal car insurance policy does not pay for this amount. This add-on pays for the depreciation cost, so you get a higher claim amount.Consumables Cover Cars use small items like nuts, bolts, grease, and oil filters during repairs. These items are normally not covered by basic insurance. This add-on pays for these items, so you don’t have to spend from your pocket.Gap Value Cover If your car is stolen or completely damaged, the insurance pays you the IDV. But sometimes the IDV is less than the car’s original showroom price. This cover pays the difference, so you get more money in such cases.Key Loss Cover Car keys can get lost, broken, or even stolen. Replacing modern car keys can be expensive. This add-on pays for the repair or replacement of your car keys.Engine Safe Cover Your engine can get damaged due to water entering it or oil leaking out. These damages are usually not covered by basic insurance. This add-on pays for engine and gearbox repairs, helping you avoid high costs.Loss of Personal Belongings Cover Sometimes, your personal belongings inside the car can get lost or damaged. This cover pays for those items, such as bags, gadgets, or other belongings. It helps you recover the cost of your lost items.No Claim Bonus Protection Cover If you don’t make a claim, you get a No Claim Bonus (NCB) discount. Normally, if you make a claim, you lose this bonus. With this add-on, you can make up to two claims and still keep your NCB.Daily Allowance Cover When your car is at the garage for repairs, you may need another way to travel. This cover gives you a daily allowance for up to 20 days. You can use this money for taxi or travel expenses until your car is ready.
Documents Needed to Buy Liberty Car Insurance
To buy Liberty car insurance, you need a few simple documents. Keep these ready:Your car detailsYour personal detailsNominee detailsAny ID proof (PAN card, Aadhaar card, or passport)Car documentsOne passport-size photo for KYC.
How to Buy Liberty Car Insurance from the Square Insurance Website?
You can easily buy Liberty car insurance online. Just follow these simple steps:Go to the Square Insurance website.Enter your car’s registration number. If your car is new and not registered yet, click on “Got a New Car.”Fill in your car details like brand, model, fuel type, and registration date.Complete the registration form and click Next.You will see different car insurance plans. Choose the one that is best for you.If you want extra safety, select any Add-on Covers you like.Pay online using a debit card, credit card, UPI, or net banking.After the payment, you will receive your policy document by email from Liberty Insurance.
FAQs
Yes, it is necessary. The Indian Motor Tariff 2002 says that every car owner must have at least a third-party car insurance to drive legally in India. Along with this rule, car insurance also protects you from big money losses if your car is involved in an accident or is damaged.
The Sum Insured is the highest amount the insurance company will pay you when you make a claim. It is the same as the Insured Declared Value (IDV) of your car.
NCB means No Claim Bonus. It is a discount you get if you do not make any claims in a year. This discount increases every year without a claim and can go up to 50% after 5 claim-free years.
You can find the nearest Liberty branch by going to their official website. Click on the “Contact Us” tab, then go to the Branch Locator section. Choose your state and city, click submit, and you will see the branch details on the same page.