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Liberty Comprehensive Car Insurance Policy

A comprehensive car insurance policy is an essential requirement these days considering the fact that car repair costs are extremely high these days. The comprehensive car insurance policy offered by Liberty General Insurance frees you from bearing financial liability of damage incurred by your car in any road accident, theft, fire, natural/man-made calamity or any other mishap. It also provides an insurance against third party liabilities arising out of any unfortunate event involving your car.

Liberty General Insurance also offers optional personal accident covers of up to Rs. 15 lakh and up to Rs. 2 lakh with its comprehensive policy for the policyholder and unnamed co-passengers respectively.

Liberty Comprehensive Car Insurance Vs Third Party Car Insurance

Basis

Comprehensive Car Insurance

Third Party Car Insurance

Coverage

The Liberty comprehensive car insurance policy offers compensation for damages caused to the insured vehicle as well as injury/death of a third party and a maximum of Rs 7.5 lakh reimbursement for third party property damage.

The third party liability only policy has basic coverage, which is limited to compensation for injury/death of a third party and third party property damage (up to Rs 7.5 lakh).

Add-ons

A number of add-on covers such as Zero Depreciation Cover, Consumables Cover, etc. are available with the comprehensive car insurance policy.

No add-on covers are available for purchase with the third party liability only policy.

Cost

Comprehensive plan is generally expensive due to extensive coverage.

Third Party only policy is relatively cheap as it has limited coverage.

What All Is Covered Under Liberty Comprehensive Car Insurance Plan?

Liberty comprehensive car insurance policy provides coverage for the following aspects:

  • Unlimited liability cover in case of death of a third party.
  • Compensation of up to Rs 7.5 lakh for third party property damage.
  • Own Damage to the vehicle caused by an external means such as natural or manmade calamities, road accidents, theft or any other unintentional event.

What All Is Not Covered Under Liberty Comprehensive Car Insurance?

Liberty comprehensive car insurance policy does not provide coverage for the following cases:

  • Normal wear and tear
  • In case of willful negligence
  • Driving without a valid licence
  • Mechanical or electrical breakdown
  • Any damage caused due to contractual liability
  • Driving under the influence of alcohol or intoxicating drugs
  • Damage occurred during war, nuclear risk, mutiny rebellion or any such situation.

Liberty Comprehensive Car Insurance Benefits

Liberty comprehensive car insurance plan provides several benefits to the policyholders which are discussed below:

  • Option to pay premiums and renew the policy online.
  • Availability of a number of add-on covers against extra premium.
  • Transfer of existing No Claim Bonus from any previous insurance provider.
  • No Claim Bonus discount on own-damage premiums of up to 50% for claim-free years.
  • Reimbursement up to Rs. 1,500 on towing charges in the event of damage of the insured car.
  • Policy cover for the vehicle and coverage of all third party liabilities including the third party property damages.
  • Availability of optional personal accident cover of up to Rs. 15 lakh and Rs. 2 lakh for policyholder and unnamed co-passengers respectively.

Explore Liberty Car Insurance

Must Read Articles before buying Liberty Car Insurance

Liberty Car Insurance User Reviews

4.8
Rating based on
439 User reviews
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What users are saying
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  • Knowledgeable Advisors

    The advisors at InsuranceDekho are knowledgeable and provided me with valuable insights during the renewal process of the Liberty Car Insurance Policy. It was reassuring to know I was making informed decisions for my Mercedes-Benz.

    Read More

    S
    By Sarah Negi
    On: November 22, 2023
  • Helps You Stay Within Budget

    With the premium calculator, I could easily adjust my coverage for the Liberty Car Insurance Policy and options to stay within my budget. It's a fantastic way to get the protection I need for my Chevrolet car without overspending.

    Read More

    A
    By Asmita Khambre
    On: November 16, 2023
  • Quick and Hassle-Free Premium ...

    I was looking for a good car insurance policy for my Chevrolet car. The premium calculator on InsuranceDekho is a game-changer. It's fast, efficient, and hassle-free. I appreciate being able to get a quick estimate of the Liberty Car Insurance Policy without going through lengthy forms and phone calls.

    Read More

    J
    By Jitender Kumar
    On: November 8, 2023
  • Support for Car Owners

    InsuranceDekho's cashless garage support with the Liberty Car Insurance Policy is comprehensive. They cover everything from minor repairs to major overhauls for my Toyota car, catering to all my needs.

    Read More

    By Pankaj Rana
    On: October 18, 2023
  • No Hidden Costs

    I appreciate that there are no hidden costs or surprises with InsuranceDekho's Zero Dep insurance for my Hyundai car. With the Liberty Car Insurance Policy, what you see is what you get, and that level of transparency is commendable.

    Read More

    V
    By Viaks Shankar
    On: October 3, 2023
  • Staying Loyal for Cashless Ben...

    I'm a loyal customer of InsuranceDekho because of their excellent cashless garage benefits. It's a significant reason why I renew my Liberty Car Insurance Policy for my BMW with them.

    Read More

    S
    By Sanya Bisht
    On: September 27, 2023
  • Effortless Claims Resolution

    InsuranceDekho made claims resolution effortless. Their team handled everything efficiently for my Liberty Car Insurance Policy claim that I filed for my Renault car, making it a stress-free experience.

    Read More

    By Madhurima Khurrana
    On: September 20, 2023
  • Total Peace of Mind with Own D...

    Recently I bought the Liberty Car Insurance Policy and with that InsuranceDekho's own damage coverage gives me total peace of mind. I know my Skoda car is protected against a wide range of risks.

    Read More

    V
    By Vinod Kamath
    On: September 15, 2023
  • Simplified Premium Calculation...

    I found InsuranceDekho's premium calculator to be a simplified way to calculate insurance costs for the Liberty Car Insurance Policy that I purchased for my Chevrolet car. It's a must-use for anyone purchasing insurance.

    Read More

    P
    By Prachi Yadav
    On: September 13, 2023
  • Value for Money Protection

    I believe InsuranceDekho's zero depreciation policy provides excellent value for money. The Liberty Car Insurance Policy with the zero dep ensures my MG car retains its value on the road and in my wallet.

    Read More

    By Maya Anand
    On: September 11, 2023
Liberty Reviews

473 Liberty Cashless Garages in India

Liberty Cashless Garages

Liberty Comprehensive Car Insurance FAQs

  • What is compulsory deductible?

    Compulsory deductible is the amount that a policyholder is liable to pay to the insurer at the time of a claim settlement. The amount varies with the type of policy purchased.

  • How can I purchase the Liberty comprehensive policy online?

    To purchase the Liberty comprehensive car insurance policy online, follow the below-mentioned steps:


    • Visit Liberty General Insurance’s official website.
    • Go to the ‘Car Insurance’ tab and then click on the ‘Buy Now’ option.
    • Enter your vehicle’s registration number, your full name, mobile number and email address in the respective fields and click on ‘Next’.
    • The premium quote will be displayed on the next page where you opt for the add-ons.
    • Pay the premium amount and the policy document will be sent to your registered email address.

  • How is IDV of my vehicle is decided?

    IDV stands for the Insured Declared Value of your vehicle and is decided on the basis of the ex-showroom price of your car as listed by its manufacturer. It is important to note that the IDV determines the maximum insured sum of your car insurance policy.

  • How can I get my car's engine covered against oil spills and water ingression?

    No mechanical/electrical breakdown of your car's engine is covered under the standard comprehensive policy. You can get these things covered by purchasing an Engine Cover add-on.

  • What is the tenure for Liberty long term comprehensive policy?

    The tenure for Liberty long term comprehensive policy extends from 2 years to 3 years.

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