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Liberty General Private Car Package Policy - Advantages, Features, Inclusions and Exclusions

By Juhi Walia
17 August 2022, 12:55 PM

Liberty General Insurance Company aims to offer its clients complete personal, commercial and industrial insurance solutions. It operates through 110 offices in 95 cities across 29 Indian states partnering with more than 4,000 vehicle repair shops and more than 5,000 hospitals to provide customers with better services. Some of the benefits of having car insurance with Liberty General Insurance are listed below:

  • Exceptional customer service that provides convenient pre-sales and after-sales services.
  • Claims handled and closed smoothly within seven business days, subject to successful documentation and investigation.
  • Lucrative add-ons for your car at a competitive price.
  • Easy transferability offers flexibility.
  • Cashless claims are available at more than 1900 network garages.
  • 24-hour customer service facilities
  • You can track your car insurance claim status online.

Types of Liberty Car Insurance Policies

Listed below are the main types of car insurance policies provided by Liberty General Insurance:

Third-party Liability

Third party car insurance covers loss or damage to the property or life of third parties in the event of an accident.

Comprehensive Car Insurance

Comprehensive insurance provides extensive coverage that protects against damage to the property or life of a third party or an insured due to theft or accident. This company offers three types of multi-risk car insurance:

  • Private Long-term Care Insurance - This is all-risk insurance for classic passenger vehicles with liability and an all-risk cover.
  • Car Insurance Bundling (Grouping) Policy (SandBox) – This is based on the pay-as-you-go method, where you only pay for the distance driven with a voluntary deductible, comprehensive car insurance, and roadside assistance. This car insurance policy is only available when purchasing directly from the company's website.
  • Standalone Own damage Car Insurance PolicyStandalone own damage car insurance covers damages to your car if you have valid liability insurance and not otherwise.

About Liberty General Private Car Package Policy

Liberty General car insurance policy provides complete coverage for your vehicle and against civil liability. It also insures your car against loss or damage caused by the covered hazards.

Its main features are:

  • Coverage for car loss or damage
  • Ability to transfer existing NCB benefits
  • Accident insurance for owners and drivers
  • Efficient assistance in case of damage
  • Advantages of the no-claim bonus
  • Benefit from rapid claims settlement
  • Liability insurance coverage
  • Enhanced coverage with car insurance add-ons
  • Cashless service at over 1,900 network locations

Benefits of Liberty General Private Car Package Policy

Here are some of the benefits of Liberty General private car package policy:

Personal Damage Coverage

The loss or deterioration of the insured vehicle and/or its accessories is insured against risks such as fire, explosions, floods, spontaneous combustion or lightning, malicious acts, break-in, burglary or theft, earthquake, accidental external causes, terrorist activities, typhoon and hurricane, transport by road, rail, barge, elevator, elevator or plane, landslide or rockslide.

Liability Insurance Coverage

This coverage assists in case of death or injury to other people due to an accident involving the insured four-wheeler.

Personal Accident Insurance for Owners-Drivers

Compensation is provided to the owner or the insured for death and disability (body injury) depending on the damage suffered within six calendar months. This includes:

  • Up to 100% for death and loss of sight of two eyes/two limbs/one limb and sight of one eye.
  • Up to 50% for loss of sight of one eye or loss of one limb.
  • Up to 100% for permanent total disability by injuries other than those specified.
  • A maximum of INR 15 lakh is payable under this insurance cover.

Read more - Is Personal Accident Cover for Car Owners Mandatory?

No-claim Bonus (NCB)

NCB of 20%, 25%, 35%, 45%, and 50% applies in the event of a claim-free insurance year. NCB in car insurance varies based on the type of car and the number of claim-free years.

Read more - How to Calculate NCB for Car Insurance

High Claim Settlement Rate

Liberty General Insurance has a high claim settlement ratio of 87.48% (fiscal 2020-2021). With a dedicated staff of claims specialists, this company enables you to have a seamless car insurance claims process in just a few simple steps.

Additional Coverage

It's hard to get the comprehensive protection you need for your car with standard car insurance. When you take out the private car package policy, you can customise it to suit your individual needs and add your favourite car insurance add-ons. Check out nine different Liberty car insurance add-on covers -

  • Depreciation coverage
  • Consumable coverage
  • GAP value coverage
  • Roadside assistance coverage
  • Passenger assistance coverage
  • Cover for lost keys
  • Engine protection cover
  • Loss of personal things
  • Daily allowance

Convenient Cashless Set-up

This allows you to have your car repaired free of charge in one of the car insurance company networks. It's quick and easy since the insurance company assesses and pays for the repairs directly.


  • Liability Insurance – Covers injury, death and property damage of the third-party property.
  • Accident Insurance – Covers injuries, loss of limb, loss of sight, etc., after an accident.
  • Compensation in case of damages to the car caused by an accident.
  • Claim for damages caused either by fire, lightning, natural disasters (earthquakes, floods, hurricanes, etc.), riots, strikes, thefts, terrorism, etc.
  • Coverage for damage to electrical and non-electrical parts and injury insurance for any passenger other than the driver.


Here are the conditions not covered under this policy:

  • If the accident takes place outside the geographical area and if the car is used within the stated “use restrictions”, it won't be covered.
  • Claims of contractual liability.
  • Mechanical failure or substantial damage.
  • Damping or wear and tear.
  • Drunk driving.
  • Losses/damages due to war/mutiny/nuclear risks, etc.


Liberty General Insurance is a respected and trusted brand that provides extensive insurance coverages specifically designed to meet the needs of the people. The Liberty General private car package policy is specifically curated for car owners providing them with maximum features and benefits.

Read more -


1. How can I buy Liberty General Private Car Package Policy?

You can visit the Liberty General Insurance website, choose your new car insurance policy and pay for it. Payment can be made by debit cards, credit cards, checks, or internet banking.

2. What are the other types of coverage available at Liberty General Insurance besides the inclusions in the car insurance policy?

If you pay an additional premium, you can avail some coverages, like:

  • Cover for electrical and electronic accessories
  • Accident insurance
  • No depreciation coverage

3. Are there any advantages to taking out car insurance online at Liberty General Insurance?

Yes, the benefits are multiple:

  • Discounts on premiums
  • Less paperwork
  • Instant payments
  • High security during transactions
  • Regular car insurance renewal reminders

4. What is the validity of the Liberty General private car package policy?

Generally, the validity is for one year. The car insurance renewal process is simple and easy to complete online.

5. How long does Liberty General Insurance take to process and pay car insurance claims?

Once all documentation formalities are completed, Liberty General Insurance will promptly initiate the claim process. However, the maximum processing time for claim settlement is seven working days. 

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