Liberty General Insurance Limited

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Liberty General Insurance Limited began its operations in the year 2013, with the aim to become one of the most trusted and admired insurance companies in the country. A joint venture between Liberty Citystate holdings PTE Ltd, a US-based leading multinational property and casualty group and Liberty Industries Limited, the company offers retail, commercial and industrial insurance solutions. 

With a workforce of over 1200 employees working in 110 offices, spread in over 95 cities, the company is gradually stretching its network all across India. The company offers:

  1. Liberty Car Insurance
  2. Liberty Two-wheeler Insurance
  3. Liberty Health Insurance
  4. Liberty Employee Compensation Insurance
  5. Liberty Commercial Insurance
  6. Liberty Fire And Engineering Insurance
  7. Liberty Marine Insurance

Liberty Car Insurance

As you know, driving a motorised vehicle without an insurance policy is a punishable offence. Having an insurance cover, however, should not just be considered a legal obligation. When you know the benefits of car insurance you would surely want the right kind of insurance product for your car too. Let us take a look at the car insurance options:

  • Liberty Liability Only Car Insurance Policy
    Better known as the third-party car insurance, this is the most basic kind of cover you can get for your car. Mandated by the Motor Vehicle Act, 1988 this policy would cover the damages of the third party if your car causes damage or physical injury to them. The damages to your car will not be covered.
  • Liberty Package Car Insurance
    A much more comprehensive policy as compared to third-party insurance, this kind includes Liability Only Policy along with damage to your own vehicle called Own Damage Cover. Considered to be the most complete kind of car insurance, you also have the option to include add-ons in your policy. All damages to your car that have resulted from the following will be covered:
  1. Theft of the car
  2. Road accident
  3. Damages caused by natural calamities like floods, earthquakes etc and man-made calamities like-riots, terror strikes vandalism etc.
  4. Transportation by rail, road, lift, inland waterways
  • Liberty Private Car Package Policy (Sandbox) - Pay for the Distance
    This is a user-based car insurance policy, which you can purchase if you do not use the car much. The premium is fixed on the basis of the distance you travel and thus has a much lower premium. You can also avail benefits like voluntary deductibles and no-fault NCB protection.
  • Liberty Package Standalone Car Insurance
    Own-Damage car insurance can be opted for when you already have liability only insurance for your car. The OD standalone plan covers your car against the damages caused by:
    1. Theft of the car
    2. Road accident
    3. Damages caused by natural calamities like floods, earthquakes etc and man-made calamities like-riots, terror strikes vandalism etc.
    4. Transportation by rail, road, lift, inland waterways
  • Personal Accident Cover for Owner Driver
    Under the Personal Accident Cover, a monetary benefit of INR 15 lakhs is given in case of death of the policyholder/owner/ rider of the car. In the case of physical harm to the insured person while driving the following scenarios are covered:
    1. Death
    2. Loss of limbs
    3. Permanent disability
  • Available Add-ons for extra Coverage
    The following add-on options are available:



Depreciation CoverSaves you from the amount deducted because of depreciation of parts that have been replaced when making a claim under Own Damage 
Passenger Assistance Cover

A comprehensive cover that helps to secure the co-passengers, as it includes

  • Hospital expenses
  • Medical transport assistance
Gap Value Cover In case of theft or total loss, you will get Invoice Value + Registration charges + Road Tax + Motor Insurance Premium payable
Roadside Assistance

Roadside Assistance helps you in relocating your vehicle to a nearby garage, minor repairs, flat-tyre changing etc
Key Loss CoverRepair or replacement of locks and keys if they are lost/stolen
Engine Safe CoverCovers the damage caused to the car engine because of ingression of water, leaking oil due to an accident
Consumable CoverCover for consumable parts such as grease, bearings lubricant clips, air conditioner’s gas, washer, engine oil, nuts and bolts, oil filter, brake oil, screws etc

Liberty Two-Wheeler Insurance

Liberty Insurance offers two-wheeler insurance at an affordable and easy-to-understand way. The plans can be bought in the following two ways:

  1. Annual Policy
    Which you need to renew at a yearly basis
  2. Multi-Year Policy
    You can opt for a policy tenure of 2 or 3 years
  • Liberty Liability Only Two-Wheeler Insurance Policy
    Liability Only or third-party two-wheeler insurance is the most standard kind of cover. This policy is the basic requirement as it is mandated by the Motor Vehicle Act, 1988. This policy would only cover the damages/ injuries of the third person, who isn’t a party to the insurance policy. Your own-damages will not be covered. Note that:
    • Damage caused to property (Excluding vehicle) of the person by your insured two-wheeler is covered up to INR 1 lakh
    • In case of death, the liability cover is of an unlimited amount
  • Liberty Two-Wheeler Package Policy
    Package policy as compared to third-party insurance offers much wider coverage. It will bear the third-party liabilities along with own-damage. It is a complete kind of insurance, where you also have the option to include add-ons in your policy. All damages to your two-wheeler/bike that have resulted from the following will be covered:
  1. Robbery or Theft of the two-wheeler
  2. Accident
  3. Damages caused by natural disasters
  4. Damages caused by man-made disasters
  5. While in transit by rail, road, lift, inland waterways
  • Liberty Package Standalone Two-Wheeler Insurance
    Own-Damage two-wheeler insurance can be opted for when you already have liability only insurance. The OD standalone plan covers your two-wheeler against the damages caused by robbery or theft of the two-wheeler, a road accident, damages caused by natural calamities and man-made calamities and damages caused during transportation.
  • Personal Accident Cover for Owner Rider
    In case of death/ loss of limbs/ permanent disability, of the owner-rider, a benefit up to INR 15 lakhs is given in case of death of the policyholder/ owner/ rider of the two-wheeler.
  • Extra Covers
    You can pay a little extra and include the following covers:
    • Depreciation Cover
    • Consumables Cover
    • Gap value Cover
    • Roadside Assistance Cover
    • Engine Safe Cover
    • Personal Accidental Cover to the named/unnamed passengers

Liberty Health Insurance 

The need for investing in a health insurance policy is now more definite than it has ever been. Your health insurance not only helps you keep your finances safe, but also lends you peace of mind in testing times. Let us look at the various aspects of Liberty Health Insurance:

Type of Insurance 

Main Features of the Insurance Plan

Liberty Health Connect Policy
  • Multiple variants offering a lot of choices: E-Connect, Basic, Elite, Supreme
  • Sum insured ranges from INR 2 lakhs to INR 15 lakhs
  • Loyalty perk Benefits - each claim-free year makes your Sum Insured increase by 10% of the Sum Insured
  • Reinstatement of the sum insured
  • Free Health Check-ups after 2 years of continuous policy renewal
  • Option to modify plan/enhance sum insured
Janta Personal Accident Insurance Policy
  • Personal accident cover for the rural population, focusing on accidental death
  • 100% of the sum insured in case of death of the policyholder
  • Age of eligibility: 5-18 years for children
  • Maximum age 75 years
  • Term of Policy 1 year
  • Flexible policy term
  • Restoration of the sum insured
  • Lifelong renewability
Liberty IndividualPersonall Accident 
  • Accidental hospitalisation expenses
  • Covers accidental death and disability
  • Life support benefit
  • Policy covers self, spouse and 2 dependent children aged between 3 months and 25 years
  • Ambulance charges
  • Worldwide coverage
  • Additional covers available
Liberty Health Connect Supra
  • Helps you extend your existing health insurance policy
  • An affordable policy offering INR 1 crore insurance @ INR 670
  • Multiple Si and deductible to choose from
  • Variants- Top-Up and Super Top-Up
  • Worldwide coverage
  • Sum Insured for Super Top-up Plan can go up to INR 20 lakhs
  • Sum Insured for Top-up Plan can go up to INR 1 crore
  • Covers AYUSH treatments
Liberty Secure Health Connect
  • Flexible policy terms-1, 2 and 3 years
  • Option to pay the premium in instalments
  • No pre-policy check-ups till the age of 55 years
  • Availability of Enhanced Cumulative Bonus
  • Avail Stay Fit Perks

Group Health Insurance 


  • Available as Individual and Family Floater plan
  • Sum insured ranges from INR 50,000 to INR 10 lakhs
  • Entry Age of policy - 18 - 65 years
  • Children- over 3 months of age
  • Policy Tenure 1 year
  • Multiple add-ons cover available

Liberty General Insurance Premium Payment

  • Online Method
    Paying your premium online is a matter of a few clicks. You can visit the website and enter your policy details. Once you select your policy you can make the payment through your credit/debit card or net banking.
  • Offline Method
    In case you want to physically visit the company branch office you can do that too. To locate a nearby branch click:

Liberty Insurance - Renewal of Policy

  • Online Method
    To renew your insurance policy online, you can visit the official website and go to ’Renew’ or simply click You would then have to enter your policy details along with your date of Birth. Once you submit these, you will have the option to make modifications in the policy such as including/ dropping add-ons or riders and also the policy tenure. Once you feed in all these entries, you can make the payment through your credit/debit card or net banking.
  • Offline Method
    You can get the policy renewal from a branch office as well. You can take the help of an executive to fill in the paperwork. The payment can be done through a cheque/ demand draft/ credit or debit card.

Liberty General Insurance Policy Renewal Process

Your policy would expire once the policy tenure is complete. It will, however, enter a Grace period of 30 days during which you can pay the premium and get it renewed. Not renewing your policy on time will nullify all of its cover and benefits. You will also lose out on the discounts and benefits that may have been accumulated during claim-free years. It is only prudent to keep the policy renewal as a priority and do it well in time. 

  • Car and Two-Wheeler Insurance
    Get in touch with the customer care and request them to process the renewal request. A company surveyor will come to assess your vehicle. Once approved, you will receive the instructions to make the payment to renew your policy. You would have to clear the pending amount along with a fine. To find out about the Vehicle Inspection Status, you can click
  • Health Insurance
    Get in touch with the customer care and request them to process the renewal request. Depending on the kind of insurance plan you have, you may or may not require medical screening. You would have to clear the entire amount due along with a fine.

Liberty General Insurance Claim Process

1. Car and Two-Wheeler Insurance
You must register a motor insurance claim as quickly as possible. You can do so by calling at 1800 266 5844 or register on the website or click A company representative will be in touch with you to explain the further procedures. A survey will be arranged by the company within 24 hours. It may take 48 hours if the vehicle is outside city limits. The following documents may be required at the time of making a claim, so it is advised to keep them handy.

  • Policy Papers/ Policy Number
  • Govt Approved ID of the policyholder
  • Driver’s Licence of the Owner-Driver
  • All details of the accident

Once at the garage the repair can be done in the following ways:

  • Cashless Claims
    If the vehicle is repaired at a network garage, after the inspection and approval from the surveyor, your vehicle will undergo repair. The company will settle the claims with the garage directly.
  • Reimbursement
    However, if the vehicle is repaired at a non-network garage, once the inspection and approval are done by the surveyor, your vehicle will be repaired. You will have to pay the bill yourself. Post-repair you can submit all the bills and relevant documents, listed above, and make a claim for reimbursement.

2. Health Insurance
When you or an insured family member is hospitalised, it can put in a lot of stress. Liberty Health Insurance has a hassle-free claim procedure that helps you manage such affairs calmly.
To make a health insurance claim you first need to notify the company. In the case of planned hospitalisation, the notification should be 48 hours prior to the admission and in case of emergency hospitalisation, it should be done within 72 hours. You can do so by calling on the toll-free number 1800 102 7477, you can send an email to For online registration, you can click

The Authorisation/Claim form can be obtained from the hospital helpdesk or downloaded from the company website or from Post verification of the paperwork, the hospital bill will be settled by Liberty Insurance directly. Note that you would have to pay for the non-medical expenses that are not covered.

  • Reimbursement
    In case you get your hospitalization in a non-network hospital, first, all the medical bills will be settled by you. Later, within a period of 15 days, you can claim reimbursement through the TPA. To understand the process you can visit the website or click

Liberty General Insurance Company Profile

Despite its short tenure in India, the company has managed to make its presence felt in the insurance and finance market. In the financial year 2018-19, the company registered a Claim Settlement Ratio of 91% and an Incurred Claim Ratio of 73%. Along with its uniquely designed insurance products and solutions, Liberty General Insurance has been able to give all its customers a safe and secure financial environment. The company understands its civic responsibility and takes pride in organising various community activities for orphanages, old age homes etc.

Liberty General Insurance Company Limited - Customer Care Details

Official Website
Toll-Free Number1800-266-5844 (8am to 8 pm, Everyday)
Company Address 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013

Liberty General Insurance FAQs

  • With Liberty Health Insurance, can I opt for cashless treatment in any hospital?

    Cashless treatments can be availed only in a network hospital, if you get treatment in a non-network hospital, you can get a reimbursement claim, provided the healthcare provider is government-recognised.

  • Is there any separate helpline number for a senior citizen?

    Yes, senior citizens can register their claim by intimating the TPA through a dedicated helpline 1800 180 1166.

  • How can I locate a Liberty network garage near me?

    You can visit the official website to check the list of network garages. To locate a nearby garage click

  • Will Liberty Health Insurance cover my accidental damage during the Grace period?

    Once your insurance policy expires, a grace period of 30 days is given for you to renew your policy. This period begins just as the policy expires. Liberty Insurance company will not be liable for any coverage benefits in the grace period.

  • I can’t find my Health Card, can I get a soft copy of the same?

    Yes, you can. To download a soft copy of your Health Card click