Is it necessary to have a car insurance policy in India?

According to the Indian Motor Tariff 2002, it is mandatory for every car owner to have at least a third party car insurance cover for being able to drive on India. Besides fulfilling the legal requirement, a car insurance policy saves you from financial liabilities which may arise due to an accident/mishap of your vehicle.

Is it mandatory to purchase a personal accident cover with a car insurance policy?

It is mandatory for every car owner to have a personal accident cover. However, the car owner is free to purchase it either with a car insurance policy or separately.

What is the Sum Insured in car insurance?

Sum Insured is the maximum amount that you can get from your insurer during a claim settlement. Sum Insured is equivalent to the Insured Declared Value (IDV) of your vehicle.

NCB stands for No Claim Bonus. It is a discount offered by all the insurers on own damage premium for claim-free years. The NCB discount amount continues to increase with every claim-free year and can go up to a limit of 50% of the own damage premium incase of 5 claim-free years.

How can I locate Liberty’s nearest branch?

You can locate your nearest Liberty General Insurance branch by visiting the insurer’s official website and clicking on the ‘Contact Us’ tab. Scroll down to Branch Locator page and select your state and city and click submit. The result will be displayed instantly on the same page.

Liberty Car Insurance

CASHLESS GARAGES 5,000+
CLAIMS SETTLED 98%
ZERO DEP. CLAIMS UNLIMITED

Key Features:

Towing Assistance (Till 50 kms)
Minimal Documentation
24x7 Assistance
Quick Claim Settlement

Calculate Your Car Insurance Price Online

Select your car brand

Brand

Maruti
Hyundai
Honda
Toyota
Mahindra

Which city is your car registered in?

Ahmedabad
Bangalore
Chandigarh
Chennai

City

When did you buy your car?

Year

Disclaimer: Actual Premium might vary basis your location, age and number of members

About Liberty Car Insurance

Liberty General Insurance is a joint venture between Liberty Citystale holdings PTE Ltd and Industries Limited. The company has a vast portfolio of insurance products and has affirmed itself in around 20 cities in India. These include third-party car insurance policies, standalone own-damage car insurance policies, and comprehensive car insurance policies. These car insurance policies can be purchased for both the new and old car owners.

It has set up its operation across 28 states of India. Currently, it has 97 offices set up in 95 different cities of the nation. It has an employee strength of 1,200 and more. Other than the traditional medium of offering car insurance policies and several other covers through branches, it also provides procedures online through its website and different online aggregators.

The company has set high standards of customer service for car insurance plans in addition to industry contribution and technology implementation. The commitment of the firm towards the car insurance and other solutions has made it receive several awards and recognition such as ''Employer of Choice'' award in 2014, ''Most Influential Retail Leader'' award in 2017, ''Excellence in Partner Marketing'' award in 2019 and many more.

Liberty Car Insurance

The Liberty car insurance segment consists of a third party liability cover and a comprehensive plan which it issues policies online as well as through its branches spread across the country. These insurance plans are designed to cover the financial liabilities of policyholders which they hold towards a third party due to an accident with their insured car and compensate the damages and losses which your car might sustain after a collision or a mishap like accident, theft, fire, man-made disaster, natural calamity and so on. The third party is a basic insurance plan while a comprehensive plan is for overall protection. The insurance company makes both these plans available at quite reasonable rates.

The general insurance company provides you additional protection and convenience through different add-on covers such as depreciation cover, consumables cover, roadside assistance cover, key loss cover, engine safe cover, loss of personal belongings, and so on. In order to provide protection to everyone, the company also offers optional personal accident cover for policyholders and unnamed co-passengers respectively. There are several key benefits of buying a car insurance policy from Liberty General Insurance which comprise hassle-free inspection and cashless claim service, claim settlement within 7 working days, no claim bonus, effective customer support, etc.

Significant Points of Liberty Car Insurance

Features	Coverage
Founding Year	2013
Network Garages	4500
Claim Settlement Ratio	98.00%
Third Party Property Damage	Up to Rs. 7.5 Lakh
Own Damage Cover	Coverage for Own Car for Its Loss and Damage
Personal Accident Cover	Up to Rs. 15 Lakh for Owner-Driver and Up to 2 Lakh for Unnamed Co-Passengers.
Add-on Covers	9 Add-on Covers
Claim Assistance	24/7 Claim Assistance

References

https://www.libertyinsurance.in/car-insurance
https://www.libertyinsurance.in/car-insurance/third-party-insurance.html
https://www.libertyinsurance.in/car-insurance-guide/standalone-own-damage-car-insurance-overview.html

473 Liberty Cashless Garages in India

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Liberty Cashless Garages

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
Legal and Responsible Driving
With a Third-Party Car Policy, I can practice legal and responsible driving. InsuranceDekho's Liberty Car Insurance Policy ensures that my Renault car is covered against third-party risks, promoting responsible road behavior.
Read More
S
By Sahil Khan
On: September 7, 2023
Prompt Renewal Assistance
2 years ago I purchased the Liberty Car Insurance Policy for my MG car. InsuranceDekho's support team was prompt and helpful whenever I needed assistance during renewal. Their guidance made the process smoother.
Read More
R
By Rajan Negi
On: September 4, 2023
Accurate and Fair Damage Asses...
InsuranceDekho's damage assessment process was accurate and fair. I didn't face any issues with the claim settlement of my Liberty Car Insurance Policy for my Ford car.
Read More
B
By Bilal Vohra
On: August 28, 2023
Seamless Integration with the ...
InsuranceDekho's premium calculator is seamlessly integrated with the insurance buying process. It made the entire journey from quote to purchase the Liberty Car Insurance Policy for my MG car hassle-free.
Read More

By Leila Banarjee
On: August 24, 2023
Saves Money in the Long Run
Choosing InsuranceDekho's zero depreciation policy saved me money in the long run. I didn't have to worry about depreciation-related expenses. The Liberty Car Insurance Policy proved to be the best for my Mahindra car.
Read More
C
By Chirag Kansal
On: August 22, 2023
Peace of Mind with Own Damage ...
Having my own damage insurance from InsuranceDekho’s Liberty Car Insurance Policy gives me peace of mind, knowing that my Mercedes-Benz is protected against various risks on the road.
Read More
A
By Abhinav Jain
On: August 16, 2023
Competitive Premium Rates on R...
I was pleasantly surprised by the competitive premium rates offered by InsuranceDekho on the renewal of the Liberty Car Insurance Policy for my Chevrolet car. It made sticking with them an easy decision.
Read More

By Harmeek Kaur
On: August 11, 2023
Peace of Mind During Emergenci...
Having access to Liberty Car Insurance Policy’s cashless garages from InsuranceDekho gave me peace of mind during an unfortunate roadside breakdown. I was able to get my Audi car towed to a nearby garage and have it repaired without any financial worries.
Read More
A
By Aviral Das
On: August 9, 2023
Luxury Car Owners Rejoice!
As a luxury car owner, I couldn't be happier with the Liberty Car Insurance Policy’s zero depreciation coverage from InsuranceDekho. It's tailored for high-value vehicles, ensuring I receive the best protection for my Mercedes car without worrying about depreciation.
Read More
A
By Aakrit Batra
On: August 7, 2023
Seamless Online Renewal Proces...
InsuranceDekho's Liberty Car Insurance Policy renewal process was seamless. I could renew my policy online within minutes without any hassle. Their user-friendly interface made it a breeze, and I'll definitely use it again next year for my Lamborghini.
Read More
A
By Arun Grover
On: August 3, 2023
Zero Depreciation - A Wise Inv...
Choosing InsuranceDekho's zero depreciation cover for my Liberty Car Insurance Policy was a wise investment. It not only saved me money on repairs for my Honda car but also gave me peace of mind knowing that my car was fully protected.
Read More
P
By Puja Sharma
On: July 28, 2023
Affordable Premiums Third Part...
InsuranceDekho offers affordable premiums for their third-party car insurance coverage. I am pleased with the comprehensive coverage options that came with the Liberty Car Insurance Policy for my Mahindra car, ensuring that I am protected against any unforeseen events on the road.
Read More
V
By Vikas Kumar
On: July 24, 2023
Convenient Premium Comparison
The premium calculator offered by InsuranceDekho makes it convenient to compare premiums across different insurers. It eliminates the need to visit multiple websites or contact various agents. I can quickly compare premiums and coverage options in one place and immediately bought the Liberty Car Insurance Policy for my Renault car.
Read More
T
By Tanu Srivastava
On: July 20, 2023
Smooth Coordination during a c...
When I asked for a claim for my Kia car, InsuranceDekho seamlessly coordinated with me as I had the Liberty Car Insurance Policy from them. They ensured that the claim was done promptly and kept me updated throughout the process. I appreciate their efforts in making the claim process smooth.
Read More

By Radhya Garg
On: July 18, 2023
Accidental Covered with compre...
When my Chevrolet car had an accident, InsuranceDekho's comprehensive coverage took care of the damages to my vehicle. The process under the Liberty Car Insurance Policy was smooth, and the repairs were done professionally.
Read More
K
By Kyra Sharma
On: July 14, 2023
Reliable Third-Party Coverage
The third-party car insurance that I added to my Liberty Car Insurance Policy for my Nissan car from InsuranceDekho provided reliable coverage for any damages or injuries caused to third parties in an accident. It ensured financial protection and peace of mind.
Read More

By Dinesh Garg
On: July 12, 2023
Transparent Cost Breakdown
The premium calculator provided a transparent breakdown of the costs involved in the Liberty Car Insurance Policy’s coverage for my Volvo. It helped me understand how factors such as deductibles, add-ons, and discounts affected the premium amount.
Read More
H
By Hardik Bohra
On: July 10, 2023
Seamless Cashless Claims Exper...
InsuranceDekho's cashless garages provide a seamless claims experience. I had an accident, and the entire repair process was hassle-free. Because of the Liberty Car Insurance Policy that I purchased for my BMW, the garage directly coordinated with the insurance company for cashless settlement, saving me time and effort.
Read More
M
By Manoj Tyagi
On: July 6, 2023
Fair Assessment and Quick Sett...
When I had to make my own damage claim, InsurancdeDekho's assessment of the damages was fair and accurate. They thoroughly inspected my BMW and promptly provided an estimate for the repairs. The settlement process with the Liberty Car Insurance Policy was smooth, and the repair costs were quickly reimbursed. I appreciate their efficiency and fair assessment during the claim settlement.
Read More
S
By Saransh Yadav
On: July 4, 2023
Smooth and Convenient Car Insu...
I recently renewed my Liberty Car Insurance Policy for my BMW, and I am delighted to share my positive experience with the renewal process. The entire process at was smooth, convenient, and hassle-free, and I couldn't be happier with the service provided by InsuranceDekho.
Read More
V
By Vikram Ahuja
On: June 30, 2023

Liberty Reviews

Liberty Car Insurance FAQs

Is it necessary to have a car insurance policy in India?
According to the Indian Motor Tariff 2002, it is mandatory for every car owner to have at least a third party car insurance cover for being able to drive on India. Besides fulfilling the legal requirement, a car insurance policy saves you from financial liabilities which may arise due to an accident/mishap of your vehicle.
Is it mandatory to purchase a personal accident cover with a car insurance policy?
It is mandatory for every car owner to have a personal accident cover. However, the car owner is free to purchase it either with a car insurance policy or separately.
What is the Sum Insured in car insurance?
Sum Insured is the maximum amount that you can get from your insurer during a claim settlement. Sum Insured is equivalent to the Insured Declared Value (IDV) of your vehicle.
What is NCB?
NCB stands for No Claim Bonus. It is a discount offered by all the insurers on own damage premium for claim-free years. The NCB discount amount continues to increase with every claim-free year and can go up to a limit of 50% of the own damage premium incase of 5 claim-free years.
How can I locate Liberty’s nearest branch?
You can locate your nearest Liberty General Insurance branch by visiting the insurer’s official website and clicking on the ‘Contact Us’ tab. Scroll down to Branch Locator page and select your state and city and click submit. The result will be displayed instantly on the same page.

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Disclaimer

This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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