Liberty Standalone Own Damage Car Insurance

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Liberty Car Insurance Highlights

Liberty (Car Insurance)
Liberty General Insurance Ltd. is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US Headquartered Liberty Mutual Insurance Group, a leading multinational property and casualty group, Enam, a privately owned and managed firm that makes long-term investments in listed companies, as well as backs entrepreneurs building valuable private companies and Diamond Dealtrade Limited belongs to reputed D.P Jindal Group Companies of India, an industrial conglomerate. Liberty General Insurance Limited commenced operations in 2013 with the aim of providing comprehensive retail, commercial and industrial insurance solutions.
Claim Settlement Ratio
Video Claim
-Depreciation cover is available for vehicle age upto 7 years on own LGI renewals subject to no claims and NCB during renewal -6000+ Network Garages, 184 PPN (Preferred Partner Network) across India -Cashless approval within 4 hours of reporting - Unlimited Dep Cover Claims (Most Insurer have capping on this), Online Claims, Spot Settlement -Online Claims upto 50K by Live Video Streaming, WhatsApp Bot Survey, Customer App, Garage Portal & Email
close -Depreciation cover is available for vehicle age upto 7 years on own LGI renewals subject to no claims and NCB during renewal -6000+ Network Garages, 184 PPN (Preferred Partner Network) across India -Cashless approval within 4 hours of reporting - Unlimited Dep Cover Claims (Most Insurer have capping on this), Online Claims, Spot Settlement -Online Claims upto 50K by Live Video Streaming, WhatsApp Bot Survey, Customer App, Garage Portal & Email
Spot Claims
Available upto Rs Unlimited
close Available upto Rs Unlimited
Advance Cash
Available upto 50%
Accidental Repair Warranty
6 months accidental repair warranty
close 6 months accidental repair warranty
Pickup Drop Free

Liberty standalone car insurance helps cover expenses in vehicle repair during an accident. Besides, it covers YOU in case you are injured, disabled or die in an accident. Apart from accidental damages, it covers car damage or loss due to riots, strikes, earthquakes, cyclones, and several other human-made and natural disasters. You feel at home seeing such coverage of Liberty standalone car insurance. Let’s spare time to discuss this insurance policy of Liberty in depth. 

How does Liberty Standalone Insurance Work?

A standalone policy is not mandatory, however, it can be enormously helpful in safeguarding you against massive financial losses against car damages due to different unforeseeable events. Natural and man-made calamities and accidents can cost you huge as a car owner. A Liberty standalone own-damage car insurance policy will help you in such situations by protecting you against the costs incurred due to damages to your own car.

Liberty Standalone Car Insurance vs Third Party Car Insurance vs Comprehensive Car Insurance

BasisLiberty Third-Party Car InsuranceLiberty Standalone Car Insurance Liberty Comprehensive Car Insurance
CoverageInsures you against third-party liabilities only.Insures you against the costs that may arise due to damage to your own car.Insures you against both third-party liabilities and your own damage.
Add-onsWith third-party car insurance, no add-ons are offered by Liberty General Insurance.A number of add-ons can be added with a Liberty own-damage car insurance policy.Liberty car insurance offers a wide variety of add-on covers, which can be included in its comprehensive car insurance policy.
CostA third-party car insurance policy is the cheapest among all the policies offered by Liberty General Insurance.Comparatively cheaper than Liberty’s comprehensive plan but costlier than its third-party policy.The comprehensive plan of Liberty is the most expensive insurance plan as it offers maximum coverage.
Mandatory by LawA third-party insurance policy is mandatory to have by every car owner in India.Standalone car insurance is not mandatory by law.A comprehensive car insurance policy is not compulsory to have by car owners

How to Buy Liberty Standalone insurance? 

Liberty standalone car insurance policy is available on the official website of the company for you to buy. You just need to follow these steps.

  • Visit the Liberty General Insurance official website
  • Select ‘car insurance policy’ from the main menu
  • Fill in your car number, your name, email id and phone number
  • Click on ‘next’ and verify the details of your car, such as registration city, model variant, etc.
  • Select Liberty standalone own damage car policy
  • Click on ‘review quotes’.
  • Select the quote you find suitable and pay.
  • Payment can be done by online transaction methods such as net banking, credit and debit, Paytm e-wallet, etc.
  • Policy documents will be sent to your Email Id

What All is Covered Under Liberty Standalone Car Insurance Plan? 

Let’s understand what Liberty standalone car insurance policy covers under it. An own damage policy by Liberty General Insurance will cover the following:

  • Damages caused due to an accident.
  • Damages caused due to fire, explosion, lightning, or self-ignition.
  • Damages caused by natural calamities such as earthquakes, floods, or landslides
  • Theft of the insured vehicle.

What All is not Included Under Liberty Standalone Car Insurance?

As stated earlier, standalone car insurance offers coverages against losses incurred to your own car. This means there must be some exclusion. Here are a few more things that your Liberty own damages car insurance policy will not cover:

  • Driver without a valid licence.
  • Damages due to the owner's negligence.
  • Accident due to drunk driving.
  • Damages caused due to war or nuclear.
  • Damages due to normal wear and tear.

Key Benefits of Purchasing Liberty Standalone Car Insurance

Liberty own damage Standalone Insurance Policy offers a number of benefits to the insured, including

  • No claim Bonus.
  • Enhance the coverage of your insurance policy.
  • Gives protection to you against the financial loss incurred on your car repairing.

Liberty Standalone Car Insurance Review

As you saw how Liberty standalone car insurance protects you and your vehicle against harsh incidents should they occur. But since a third-party cover is mandatory to have to drive on the road, you are advised to buy a comprehensive policy of Liberty that will cover you for own damage as well as third-party claims.

Liberty Standalone Car Insurance FAQs

  • 1. Does the Liberty standalone own damage car insurance offer no claim bonus benefits?

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

  • 2. What factors are considered while calculating the premium for Liberty Own Damage Car Insurance?

    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.

  • 3. What documents are needed when claiming Liberty General standalone car insurance?

    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. 
  • 4. Is it mandatory to buy a standalone own-damage Liberty car insurance policy?

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

  • 5. Can I raise a claim under Liberty Standalone Car insurance if my car is damaged in the riots?

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

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