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Liberty Comprehensive Car Insurance
A comprehensive car insurance policy is very important today because car repair costs are very high. Liberty General Insurance’s comprehensive car insurance helps you by paying for damage to your car if it meets with an accident, gets stolen, catches fire, or is damaged by natural or man-made disasters. It also protects you from third-party liabilities if your car harms another person or their property.
Liberty Comprehensive Car Insurance Benefits
Liberty’s comprehensive car insurance gives many helpful benefits. Some of them are:
- 01
You can pay the premium and renew the policy online easily.
- 02
You can choose extra add-on covers by paying a little more.
- 03
You can transfer your No Claim Bonus (NCB) from your old insurance company.
- 04
You can get up to 50% No Claim Bonus on your own-damage premium if you do not make any claims for many years.
- 05
You can get reimbursement up to Rs. 1,500 for towing your car if it gets damaged.
- 06
The policy covers damage to your car and also third-party liabilities, including damage to other people’s property.
- 07
You can also choose Personal Accident Cover:Up to Rs. 15 lakh for the policyholder (owner-driver)Up to Rs. 2 lakh for unnamed passengers
Motor Insurance Plans By Liberty
What is Covered and Not Covered in Liberty Comprehensive Car Insurance?
What it Covers
Accidents
If your car gets damaged in an accident, Liberty will pay for the repair costs.
Fire Damage
If your car catches fire and gets burnt or damaged, the insurance will pay for repair or replacement.
In-Transit Damage
If your car gets damaged while being moved by road, train, ship, or air, it is covered.
Personal Accident Cover
The policy gives financial help if the owner-driver is injured or dies in an accident.
Man-Made Events
Damage caused by riots, strikes, or terrorist activities is covered by the policy.
Third-Party Losses
If your car injures someone, damages someone’s property, or causes death, Liberty will pay the compensation.
Natural Disasters
Damage caused by floods, earthquakes, cyclones, landslides, etc., is covered.
Vandalism
If someone intentionally damages your car, Liberty will pay for the repairs.
Car Theft
If your car gets stolen, the company will pay the car’s current market value (IDV).
What Does it not Covers
Drunk Driving
No claim is paid if the driver was drunk or under the influence of drugs.
Negligence
If the owner ignores safety warnings (like driving in deep floods), the damage will not be covered.
Breakdown
Mechanical or electrical failures, like engine breakdown, are not covered.
No Licence
If the driver does not have a valid driving licence, the insurance claim will be rejected.
Tyre or Tube Damage
Damage to tyres or tubes without any accident is not covered.
Depreciation
The natural decrease in your car’s value over time is not covered unless you buy an add-on.
Normal Wear and Tear
Regular aging or daily use of the car is not covered.
War or Nuclear Risks
Damage caused by war, war-like situations, or nuclear events is not covered.
FAQs
It is a car insurance plan from Liberty that protects you from many types of damage, such as accidents, theft, fire, and natural disasters.
“Comprehensive” means it covers a wide range of problems, not just accidents. It protects your car even if you are not driving, like if someone steals it or a storm damages it.
The price depends on your car’s model, age, location, and the add-ons you choose.
Not always. A police report is needed mainly for theft, major accidents, or third-party damage.
Yes. If you had NCB from your previous insurer, you can transfer it to Liberty.
Anyone who wants full protection for their car, including from accidents, theft, fire, and natural disasters, should choose comprehensive insurance.