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Liberty Third Party Car Insurance

The Indian Motor tariff 2002 makes it compulsory for every car owner in India to have at least a third party liability cover. You can fulfil this legal requirement by purchasing a third party car insurance policy from one of the leading insurers Liberty General Insurance company. The Liberty third party liability cover provides compensation for all the third party liabilities (life and property) arising out of an accident/mishap involving the insured car.

Under the third party liability cover, Liberty General Insurance offers as much compensation as decided by a court of law in case of injury/death of a third party and up to Rs 7.5 lakh compensation in case of third party property damage. The insurer offers both 1 year as well long-term third party car insurance policy.

Liberty Third Party Car Insurance Vs Comprehensive Car Insurance

Basis

Third Party Car Insurance

Comprehensive Car Insurance

Extent Of Cover

Under the third party cover, compensation is provided for bodily injury/death of a third party and third party property damage (up to Rs 7.5 lakh).

The comprehensive plan offers compensation for all third party liabilities as well as for damages incurred by the insured vehicle in accordance with its Insured Declared Value (IDV).

Customisation

A third party cover cannot be customised as no add-ons are available with it.

A comprehensive cover can be customised with the help of a number of add-ons.

Compulsion

It is compulsory as per law for a car owner to purchase a third party car insurance policy.

A car owner has an option to purchase a comprehensive car insurance policy or not.

What All Is Covered Under Liberty Third Party Car Insurance Policy?

The coverages provided by Liberty third party car insurance policy are described below:

  • Optional accident cover of up to Rs. 2 lakh for a hired driver.
  • Reimbursement up to Rs 7.5 lakh for third party property damage.
  • Optional accident cover of up to Rs. 2 lakh for unnamed co-passengers.
  • Availability of optional personal accident cover up to Rs. 15 lakh for the policyholder.
  • Limited/Unlimited (depending upon the type of injury) liability cover for injury/death of a third party.

What All Is Not Covered Under Liberty Third Party Car Insurance Plan?

The Liberty third party liability cover does not provide coverage for the following:

  • Damages incurred by the insured vehicle in an accident.
  • Damages incurred to the insured vehicle due to a natural or man-made calamity or any other mishap.
  • Bodily injury of the policyholder and co-passengers travelling in the insured vehicle (if not opted for the respective cover).

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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  • 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

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Liberty Third Party Car Insurance FAQs

  • What is the amount of personal accident cover offered by Liberty General Insurance?

    Liberty offers a personal accident cover of up to Rs. 15 lakh for the policyholders. The accident cover for a paid driver is available up to Rs 2 lakh each for both co-passengers and paid driver.

  • How much compensation is offered if the accident results in permanent total disability of a third party?

    The final compensation amount is decided by the court of law and the entire cost is borne by the Insurer.

  • What happens to my car insurance policy if I sell my vehicle before policy expiry?

    In such a case, the policy’s ownership can be changed by filing an endorsement form which will contain all the details of changes done in the policy such as name, DOB, mobile number, etc.

  • How can I pay the premium of the Liberty third party car insurance?

    The payment for the premium of the Liberty third party car insurance policy can be done in the following ways:

    • Visit the nearest branch.
    • Go to the official website of Liberty General Insurance.
    • Contact the support team of Liberty General Insurance by calling the toll-free helpline number 1800-266-5844.

  • Do I get any compensation for the damage of my car in case of an accident?

    No, the third party car insurance does not cover the damage of the insured’s car under any circumstances even in case of an accident.

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