Liberty Own Damage Car Insurance

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

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.

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.