Liberty videocon car insurance policy, based on the 'DriveLessPayLess' philosophy, offers distance-based smart insurance plans with no compromises on usual services. It brings comprehensive coverage for your car, protection against theft or natural calamities and any damages or losses caused to third-parties.
- Option to purchase car insurance by the distance travelledrather than for a specific period.
- A suitable choice for those who occasionally use their cars.
- A top-up feature to increase the number of kilometres.
- Add-on protection covers.
- Fast claim processing.
- Claim settlement ratio of 91% (FY'18-19).
- Pan India presence: 97+ offices.
- Zero documentation.
- 24x7 customer services.
Liberty car insurance from 'Liberty India General Insurance', the retail, commercial and industrial insurance solutions provider, serves millions of car owners through more than 4,300 garages across India.
Features & Advantages of Liberty Motor Insurance
- Pay for the distance travelled.
- Easy top-up.
- No-fault protection.
- Essential add-ons at affordable costs.
- Additional voluntary deductibles.
- Option to transfer existing no-claim bonus from other car insurance companies.
- Hassle-free cashless claim services and inspection.
- Claim settlements within 7 working days.
- Effective claims support/assistance.
- Convenient online policy purchase/renewal.Share necessary details, compare plans/quotes and buy the policy.
Liberty Videocon Motor Insurance Policies
- Third-Party or Liability Policy: Protection against legal liabilities to third parties caused when you are at fault. Covers expenses incurred as a result of damages to a third party vehicle, third party property and injuries caused to other people in an accident.
- Comprehensive Damage Policy: Provides extensive protection to your car in addition to covering third-party liabilities. Covers own-damages/losses to the insured car due to accident, fire, lightning, self-ignition, explosion, theft, riots/strikes, malicious or terrorist acts, earthquake, cyclone, flood and inundation transit by rail/road/air/elevator.
- Both Policies Mentioned Above include the compulsory personal accident cover. The owner-driver is liable to receive 15 lakh rupees in case of death, loss of two limbs/sight of two eyes/one limb/sight of one eye, permanent total disablement and 50% amount in case of loss of one limb or sight of one eye.
Liberty Car Insurance Online: Add-On Covers
- Pay for the Distance: Can choose the maximum kilometre coverage and as per your specific requirements, opt for lower coverage. You may also top up your coverage by buying the additional number of kilometres. Your car insurance will be based on the pay per mile principle.
- Voluntary Deductibles: You may opt for voluntary deductibles (2,500/ 5,000/ 7,500/ 10,000/15,000/ 20,000/ 25,000 rupees) over and above the compulsory deductible. Can aslo avail discounts on premium for own damage section.
- No-fault Protection: Get the no-claim bonus at the time of renewal even if you claim losses or damages only to the windshield glass of the parked insured car by an external object or losses due to flood/earthquake and acts of God to the parked car.
- Free Roadside Assistance Cover: Includes car relocation to the nearest garage in case of major breakdowns, repair services (minor breakdowns), assistance in case of a lockout or lost keys, changing of a flat tyre, emergency fuel and alternative transport assistance to the nearest safe location for car's passengers. These services can be used for a maximum two times during the policy period (within a radius of 50 km from the place of breakdown to the nearest available vendor or repairer).
Exclusions of Liberty Car Insurance
- General wear-tear of your car is not covered.
- Using a private car for remuneration purpose.
- Mechanical/electrical breakdowns.
- Damages to or by an individual driving without a valid driving license are not covered.
- Losses/damages caused while driving under the influence of alcohol/other intoxicating substances.
- Losses/damages due to depreciation.
- Loss/damage due to war/nuclear risks.
- Only the original damage is covered and not the consequential ones (in case the original damage causes subsequent losses).
- Compulsory deductibles.
- Depreciation cover- not applicable to theft and total loss claims.
Liberty Motor Insurance Policy: Discounts
- Savings of up to 75% on your premium.
- Voluntary Discounts:Applicable if you choose to pay the minimum amount at the time of claim settlement.
- No-claim Discounts:If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years.
- An additional discountif you have a membership with approved automobile associations.
- You also get a discount if you install approved anti-theft devices in your car.
Liberty Car Insurance Premium Calculator
The premium for your car insurance policyis based on factors such as IDV, the make/model, year of purchase, registration and the city.
Liberty car insurance lets you opt for a lower kilometre coverage if you don’t take your car out much. It could result in a lower premium.
One can compare policies and plans by visiting Liberty Insurance's official website. Alternatively, you may use established online insurance comparison portals such as www.Quickinsure.comto explore quotations, simplify and speed up the process of buying car insurance.
Liberty Car Insurance Renewal & Application
One can apply for/renew a car insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.
Liberty Car Insurance Reviews
Liberty car insurance is a trusted name when it comes to comprehensive coverage with customer-driven benefits. It is admired for an excellent claims settlement process, high service standards, 99.06% grievances resolved ratio and 24x7 customer support.
Liberty Car Insurance: FAQs
Q:Is there any specific type of cars that Liberty insures?
No. You may purchase car insurance for any new or used car.
Q:What is the extent of coverage offered by Liberty car Insurance?
It would entirely depend on the IDV and the price of your car.
Q:Are there any benefits of buying a comprehensive Liberty car insurance policy?
Yes, there are many! You get coverage for your own damage, risk protection against theft, covers third-party liabilities and property damages. Add-on features can be utilised, can avail no-claim discounts and services from thousands of cashless garages.
Q:Is there an option to renew my other car's insurance with Liberty?
Yes, there is. Multiple payment options such as Debit/Credit card and internet banking can be used.
Q:Am I allowed to transfer my 'No Claim Bonus' discount from my previous insurance provider to Libertyvideocon car insurance?
Yes, you are!
Q:How can I avail cashless claim services from Liberty car insurance?
By informing the Liberty claims team while making a claim and locating your nearest service centre through- 1800-266-5844.
Q:How efficient is the claim settlement process of Liberty car insurance?
Highly efficient! A maximum of 7 business days to settle all types of claims. Essential documents requirement includes the proof of policy with a duly filled claim form.
Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.