Liberty Car Insurance FAQs

According to IRDAI Annual Reports 2018-19, the Incurred Claim Ratio of Liberty General Insurance Company is 70%.

Customers who wish to check their Liberty General Insurance Company’s Car Claim status online need to kindly visit https://www.libertyinsurance.in/products/motor-insurance/TrackStatus and enter the valid required details to know the claim status.

In order to download your car insurance policy document online, you can download it at the time of purchasing the policy. Alternatively, you can contact the customer service department and seek help.

Post completing all the documentation formalities, the Liberty General Insurance Company initiates the claim settlement process immediately. However, the maximum claim settlement turn-around-time is 7 working days to reimburse the claim amount.

Yes, Liberty General Insurance Company offers usage based car insurance policy also known as pay-as-you-drive car insurance.

The toll-free number of Liberty General Insurance company is 1800-266-5844. However, as the number could change with time, you are advised to look for the same on the company’s website.

At the time of policy renewal, it is possible to buy add-ons with your existing car insurance plan. However, a third-party car insurance policy does not allow policyholders to purchase add-ons.

At the policy renewal time, the insurer will send you the documents on your email ID. 

To know your policy expiration date, contact the e-Vahan Bima app. You can also look into the policy documents for your Liberty car insurance policy expiration details.

If you don’t renew your policy before the expiration date, Liberty will give you another 90 days to do so. So, if you renew within that time, you will prevent your policy from getting lapsed. 

Yes, you can file a Liberty car insurance claim on the company’s car Insurance app. Just download the app and file.

The car's salvage value is the estimated value of a car that has been involved in an accident and has been completely damaged.

It is best to save your claims for significant damages. 

You can find a list of Liberty Car-registered repair garages on the company's official website.

Surveyor is the person who inspects the damages that occur to a vehicle in an accident and confirms the required claim amount.

Liberty Insurance's toll-free number is 1800-266-7780 that you can dial to make modifications to your policy document.

You can visit your nearest Liberty Insurance branch office and inquire about changing your policy document.

Your Liberty car insurance claim may get denied in that case.

• Insurance type.
• Policy number.
• Premium.
• Terms and conditions of the policy.
• Duration of the policy.
• Policyholder’s personal details.
• Specifications of the car.

If you misplace your policy document, you can download it from your email address again.

Liberty car insurance offers seven car insurance add-on covers. Some of them are consumables cover, depreciation cover, roadside assistance cover, etc.

There is no limit to the number of car insurance add-on covers you can choose from, which means you can add multiple add-on covers to your policy simulataneously based on your budget and needs.

Distinctive add-on covers are available at various prices. Check the insurer’s website for add-on prices. You can even call the customer care of Liberty for prices.

You can buy these while buying a base car insurance policy or on renewal.

No, having an add-on cover in your Liberty auto insurance policy is not required. It is simply an optional benefit that you can use to supplement your car insurance policy coverage.

The comprehensive car insurance offered by Liberty insurance is for those car owners who want to buy extensive insurance coverage for their vehicles. Comprehensive insurance offers coverage for third-party and own damages.

 As per Motor Vehicles Act 1988, all car owners must purchase third-party insurance. However, buying a comprehensive car insurance is not mandatory.

The interested individuals can visit the office branch in their city. There they can communicate with sales coordinators and provide all the details about the car. The sales staff will help customers choose car insurance premiums and add-ons more prudently. They can easily validate all the details and pay the necessary fees at the branch.

The customers can renew their insurance through the online channel. They can also visit the branch office on the due date to renew the premium. The customers must provide the insurance details, car registration number, and other details as required. They can pay online or in cash as applicable.

It depends on your choice. If you prefer the online method, you can buy it using any of the net banking, UPI, debit card or credit card modes.. On the other hand, if you wish to buy it offline, you can do so by paying the premium in cash, cheque or demand draft at the insurer’s branch office.

No, you can’t claim for the same using the Liberty third-party car insurance policy.

You must buy Liberty third-party insurance the moment you buy a new car. Riding a bike without a third-party cover is an offense under the law.

In the event of an accident where you have to file an FIR, you must try doing it at the earliest possible if you want to ensure a smooth claim process.

Yes, you can do so on the specified renewal date by paying the required premium. 

Even after buying Liberty zero dep car insurance cover, you will have to pay some compulsory and voluntary deductibles.

Liberty zero depreciation car insurance premium amount depends on various factors such as the car's age, its make and model, IDV of your car, your area of residence, etc.

The zero depreciation car insurance cover from Liberty is best suited for those who have a new or a luxury car, those who are not such experienced drivers, and those who live in the accident-prone zones.

In such scenarios, the claim settlement is done without the Liberty zero depreciation cover benefits, so you can save the number of claims remaining against it.

No, Liberty zero depreciation car insurance does not provide coverage against theft.

Yes, Liberty General Insurance offers no claim bonus benefits under its Standalone car insurance policy.

The calculation of premium for Liberty own-damage car insurance is done after considering a number of factors such as car make and model, car age, engine cc, geographical boundaries, etc.

The following documents are needed to provide at the time of claim initiation under Liberty own damage car insurance policy (the insurer can also ask for other necessary documents as per its requirements):

• Car insurance policy copy.
• A copy of FIR.
• Car registration certificate.
• Repair estimate.
• No claim certificate.
• Photographs of the damaged car.
• Driving licence. 

No, it is not mandatory to buy a standalone own-damage car insurance policy.

Yes, Liberty General's own-damage car insurance policy offers coverage against the damages due to riots.