Liberty Car Insurance Add on Covers

Liberty General Insurance offers add-on covers in addition to the comprehensive or standalone own damage policy you may have. They provide additional or enhanced protection for your car in exchange for an enhanced premium. Liberty car insurance add-ons can be of various types serving many car insurance needs. These covers may be very important to have as your vehicle could face unforeseen situations such as engine damage due to water and lubricant leakage, the loss of key in the case of an accident, etc. These issues are generally not covered under a base car insurance policy of Liberty. So, you can look to add these Liberty car insurance add-ons for maximum protection.

Liberty - 7 Important Add-on Covers for Your Car Insurance Policy

1. Depreciation Cover

As we all know, depreciation decreases the cost of a vehicle over time. What’s critical is that the insurer deducts depreciation of the replaced parts from the sanctioned sum while settling your car insurance claim. The depreciation cover relieves you from bearing the depreciation burden.

Conditions to Meet 

You must repair the insured vehicle at an authorised Liberty garage.

Exclusions 

You cannot claim repairs at any of the authorised garages of Liberty.

2. Consumables Cover

This add-on contains usable elements not covered by the standard plan, such as engine oil, grease, oil filter, lubricant clip, air conditioner's gas, brake oil, bearings, nut and bolt, fuel filter, washers, screw, etc.

Conditions Apply

1. Payable claims under this add-on must be permissible under the own damage section of your car insurance policy.

2. You must provide original bills or invoices to support your claim. Ensure you get these documents only from the authorised garages of Liberty General Insurance.

3. Repairs must happen within three days of the date of loss.

Exclusions

1. Expenses incurred in the case of a total or constructive loss.

2. Labour charges and services taxes involved in repairing consumables.

3. Repairs or labour charges (regarding insured objects) from local garages.

3. GAP Value Cover

In the event of theft, total loss, or constructive total loss, having this add-on cover allows policyholders to receive the full invoice price of the vehicle. It also includes road tax and first-time registration fees for an extra fee.

Special Conditions

1. The vehicle’s age from the date of policy commencement should not exceed three years.

2. The own damage section of the policy must admit  total or constructive total loss (CTL) or total theft of the vehicle.

3. The insured must be the vehicle's first registered owner.

4. The insured vehicle must be made in India.

Exclusions

1. The cover won’t be available for car owners, except the first-registered ones.

2. It excludes imported vehicles.

4. Roadside Assistance Cover

This add-on insurance will provide coverage in case your car breaks down. Services such as towing the vehicle to the nearest repair shop, on-spot repair, guidance in case of key loss, changing flat tyres, fuel delivery, etc, are available.

Special Conditions

Services, which are not part of the standard services, are your liability to take care of. These include the replacement of a part as well as additional fuel exceeding the permissible limit of expenses.

Exclusions

1. Liberty General will not approve this cover if you get it from a vendor not authorised by the insurance company.

2. Any expenses incurred as a result of part replacements or fuel.

5. Passenger Assistance Cover

After an accident, it provides the policyholder with hospital allowance, medical expenses, and medical transport assistance.

Special Conditions 

The insurance company will reimburse medical expenses for the treatment by a medical practitioner registered from his/her respective medical council.

6. Key Loss Cover

This add-on coverage helps compensate the policyholder for key loss.

Special Conditions 

Get a police report confirming the details of the incident during the policy period.

7. Engine Safe Cover

This coverage indemnifies the policyholder against operating costs for mechanical/electrical breakdown of the motor caused by an oil spill or water leakage.

Special Conditions

You can file a claim for water ingression repairs only when you provide evidence of a submerged vehicle or its halt in a waterlogged area.

The vehicle needs to be in the garage within 24 hours of water levels receding in the waterlogged area. You must notify Liberty General of the decrease in water levels within three days.

Special Exemptions

This add-on excludes any loss or damage covered under the manufacturer’s warranty or part of its recall.

Any engine or gearbox loss or damage due to a delay in notifying Liberty General or getting late in retrieving the insured vehicle from a waterlogged area.