LIBERTY COMPREHENSIVE CAR INSURANCE

Liberty Comprehensive Private Car Policy

Liberty General Insurance was started in the year 2013 as a joint venture between Liberty Mutual and Videocon Group. It’s partner network consists of almost 3100 auto service centers spread across India. The company has approximately around 1200 employees working across 23 states in India. Its headquarters is situated in Mumbai.

 What is meant by Liberty Comprehensive Car insurance?

Comprehensive Car insurance gets you protected against the third party liabilities as well as the damages suffered by your car in an accident. The comprehensive policy insures you against the losses that are occurred due to accidents, thefts, vandalism,etc.

 Key benefits of buying Liberty comprehensive car insurance ?

Benefits of buying Liberty third party car insurance policy online are as follows

1. Easy Renewals: - You can renew your Liberty comprehensive policy online without visiting their branch.

2. Zero paperwork:- There is no need of carrying your policy with you all the time as Liberty Insurance provides you with the pdf of your policy which you can easily save on your phone.

3.No Claim Bonus – Liberty General Insurance provides you with a no claim bonus after every claim-free year. You can enjoy the benefit of the No Claim Bonus discount as follows-

Age of policy	No Claim Bonus Percentage
After year one of no claim	20%
After two consecutive years of no claim	25%
After three consecutive years of no claim	35%
After four consecutive years of no claim	45%
After five consecutive years of no claim	50%

 

4.  Additional Protection Availability-You can choose from several additional protective covers for your convenience.

Coverage under Liberty Comprehensive car insurance Policy

1. Comprehensive Car insurance policy covers you against the damages caused by accidents, natural calamities ,etc.

2. It ensures the coverage of your vehicle against thefts and compensates you according to your Insured Declare Value. (IDV)  

3.  The comprehensive car insurance policy can also assist you in case of breakdown of your vehicle if you opt for the roadside assistance cover.

4. The comprehensive car policy also insures you against the third-party liabilities such as damages caused to the third-party’s property as well as life.

How to purchase Liberty Comprehensive Car policy Online?

Step 1. Go to the online website of https://quickinsure.co.in/

Step 2. Click on car insurance

Step 3. Enter your REGISTRATION no. According to your RC

Step 4. You will find a quotation for car insurance from Liberty insurance and other insurers.

Step 5. You can select the quotation of Liberty and fill out the proposal form.

Exclusions in Liberty comprehensive car insurance policy

1. Normal servicing of your vehicle and the wear and tear of the car and the parts of the car.

2. Liberty does not cover you against any losses if you do not hold a valid driving license.

3.  The company is not liable to pay claims if the driver is under the influence of drugs or alcohol.

4. The company will not pay the claim of your vehicle if the policy is not renewed on time.

5.  Liberty can reject your claim if you declare wrong No Claim Bonus (NCB) of your vehicle.

6. The claim is rejected if the vehicle is used for commercial purposes.

Liberty Comprehensive  Car Insurance FAQs

1. What is Insured Declared Value (IDV) in Liberty Car Insurance policy?

Insured Declared Value (IDV) is the maximum Sum Assured fixed by the insurer which is provided on theft or total loss of vehicle.

2. How is the idv calculated in Liberty comprehensive car insurance?

The idv is calculated as follows-

• Depends on the manufacturer, make and model of your car.
• Year of manufacturing of your vehicle.
• Depends upon the owner type-individual or company.
• The ex-showroom price and the cubic capacity also plays a major role in IDV calculation.

3. What are the add-ons offered by Liberty Insurance for comprehensive private car?

The add-ons in liberty car insurance are – Depreciation waiver, consumable cover, GAP value cover, engine safe cover, etc.

4. How can I claim for in Liberty General Insurance?

You can call on 1800 102 7477 or you can email on claims@vipulmedcorp.com for claim assistance.