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Liberty Third Party Car Insurance Policy
The Indian Motor Tariff 2002 says that every car owner in India must have at least third-party car insurance. You can meet this rule by buying a third-party policy from Liberty General Insurance. This policy pays for damage or injury caused to another person or their property if your car is in an accident.
With Liberty’s third-party cover, the company pays the amount decided by the court if a third person is injured or dies. For third-party property damage, they pay up to Rs. 7.5 lakh. Liberty offers both 1-year and long-term third-party car insurance plans.
Features of Liberty Third-Party Car Insurance Policy
- 01
Covers damage to others
If your car hits someone’s vehicle or property, Liberty will pay for the damage.
- 02
Covers injury to other people
If someone gets hurt or dies in an accident caused by your car, Liberty will pay the compensation.
- 03
Legal protection
The policy protects you from legal problems or heavy fines after an accident involving a third party.
- 04
Affordable premium
Third-party insurance is cheaper than comprehensive insurance, so you pay a low yearly amount.
- 05
Easy to buy and renew
The policy can be purchased and renewed online without any paperwork.
Motor Insurance Plans By Liberty
What Is Covered and Not Covered Under Liberty Third-Party Car Insurance?
When you buy car insurance, it is important to know what the policy includes and what it does not. Here are the things covered and not covered under Kotak Third-Party Car Insurance:
What it Covers
Liberty’s third-party car insurance includes the following:
Liberty will pay for damage or loss caused to another person in an accident.
It covers injury or death of a third party (any person other than you) caused by your car.
It pays for damage done to someone else’s vehicle or property by your car (up to the allowed limit).
You can get Personal Accident Cover for the owner-driver if you add it separately (up to the limit allowed by law).
What Does it not Covers
The Liberty third-party plan does not cover:
It does not pay for damage to your own car.
It does not pay for loss due to natural disasters, fire, theft, riots, or similar events.
No cover if the car was driven by someone without a valid driving licence, or under the influence of alcohol or drugs.
It does not cover any injury or damage to the driver/owner unless a PA cover is purchased separately.
It does not cover regular wear and tear, mechanical breakdown, or later/indirect damage to your car.
FAQs
It is an insurance policy that protects you if your car causes damage or injury to another person or their property.
No. It only covers damage caused to others. Your own car is not covered.
Yes. If someone is injured or dies in an accident caused by your car, Liberty will pay compensation.
Yes. You can easily buy or renew the policy online in a few minutes.
No. Third-party insurance has a low premium, so it is affordable for most car owners.