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Liberty Standalone Own-Damage Car Insurance Policy

A standalone own-damage cover takes care of own-damages costs in case of an unfortunate event. This is one of the three types of car insurance that Liberty General Insurance offers its clients. The own-damage cover offers protection in several different scenarios including road accidents, theft, natural calamities, man-made disasters, explosion and vandalism. Moreover, in times of crisis, this type of compensation provides the insurance holder with financial stability. Hence, it is prudent to purchase a standalone own damage cover along with compulsory third party insurance.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Liberty Third Party Insurance

Liberty Standalone Own-Damage

Liberty Comprehensive Insurance

Coverage

Liberty third party car insurance provides coverage for third party liabilities in case of a mishap including bodily injuries, death and property damage.

Liberty standalone own-damage car insurance provides coverage for own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Plus, insurance providers give NCB for claim-free years.

Liberty comprehensive car insurance plans provide coverage for both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.

Add-ons

Liberty third party insurance does not offer add-on covers to insurance holders.

Liberty standalone own-damage insurance offers a number of add-on covers to insurance holders.

Liberty comprehensive insurance plans offer several add-on covers to insurance holders

Cost

Liberty third party car insurance is the cheapest policy and provides basic coverage.

Liberty standalone own-damage car insurance is more expensive than third party insurance but offers better coverage.

Liberty comprehensive car insurance plans are the most expensive but offer holistic coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under Liberty Standalone Own-Damage Policy?

The following are the aspects that are covered under a Liberty standalone own-damage cover:

  • Road accidents that damage the car significantly.
  • An explosion or a fire that causes damage to the insured car.
  • Theft or cases of total loss of the car.
  • Damages caused to the car due to a natural calamity or a manmade disaster, eg. Tsunami.

What is Not Covered Under Liberty Standalone Own-Damage Policy?

The following are the aspects that are not covered under a Liberty standalone own-damage cover:

  • If the car breaks down due to an electrical or mechanical failure.
  • Mishaps that involve illegal driving in any manner.
  • Depreciation of the car.
  • Mishaps that occur outside the geographical boundaries of India.

Benefits of Liberty Standalone Own-Damage Policy

Following are the benefits of purchasing standalone own-damage insurance from Liberty:

  • It offers protection against a wide range of scenarios such as road accidents, fires, theft, vandalism and other mishaps.
  • It offers policyholders No Claim Bonus for every claim-free year.
  • It offers policyholders the option of purchasing add-on covers to further enhance your policy available.

How To Purchase Liberty Standalone Own-Damage Policy?

Below-mentioned is the steps you need to take to purchase Liberty standalone own-damage car insurance:

Step 1: Visit our website InsuranceDekho and select the car insurance tab from the top left corner of the page. A drop-down menu will appear, select the ‘Standalone Own Damage’ option from the choices.

Step 2: Enter your car’s registration number. If you do not have this information for some reason, you can also enter its make, model and year of registration instead.

Step 3: Provide your personal details and after you enter all the required information select ‘Submit and Get Quotes’.

Step 4: Quotes for all the standalone own-damage policies from the different insurance providers will be visible on the screen. Select the offer by Liberty and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your chosen Liberty standalone own-damage car insurance policy and the policy document will be sent to your registered email ID.

Explore Liberty Car Insurance

Must Read Articles before buying Liberty Car Insurance

Liberty Car Insurance User Reviews

4.8
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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

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Liberty Standalone Own-Damage Car Insurance FAQs

  • What is Liberty General Own Damage insurance plan?

    With the help of an own damage insurance plan, an insured stays protected against damage/loss to their insured car in an accident or any other mishap such as theft, fire, natural calamity, etc.

  • How does the premium calculation happen for Liberty General Own Damage Car Insurance?

    The calculation of premium for Liberty General own damage insurance happens after taking into consideration various factors such as car make, car age, vehicle type, engine cc, geographical zone, etc.

  • What all is covered in Liberty General Own Damage Insurance Cover?

    Own damage insurance cover by Liberty General offers coverage for loss or damage to own car due to any accident or mishap like natural calamity, fire, etc and coverage for theft of own car.

  • What are the documents needed to file for Own damage car insurance claim?

    You need the following list of documents to register for own damage insurance claim:

    • Car Insurance Plan Copy
    • A copy of FIR Report
    • Car RC
    • Repair estimate
    • No Claim certificate
    • Photographs/and other accident proofs
    • Driving license
    • Other documents (if asked by the insurance company)

  • Is buying an Own Damage insurance mandatory in India?

    No, buying an own damage insurance is not compulsory. However, it is mandatory to buy a third party liability insurance as per the Indian Motor Tariff Act.

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