Liberty Two Wheeler Insurance Add on Covers

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Most people believe that their Liberty's comprehensive two-wheeler insurance covers all their insurance needs for their beloved two-wheeler. Indeed it does. But can't it be made more comprehensive? Well, Liberty General Insurance enables its customers to expand their policy's coverage in additional covers called add-on covers. However, it may cost you a little extra. Different add-on covers are available with other bike insurance companies and therefore charge different premiums. Suppose you have a standard insurance policy, either a standalone own-damage or a comprehensive approach as a base policy. In that scenario, you might consider adding a Liberty two wheeler insurance add-on to your policy to provide additional coverage for your cherished two-wheeler.

You can easily add these Liberty bike policy add-ons online when applying for the base policy. Liberty General Insurance mainly offers five add-on covers to its policyholders. It is to be noted that add-on covers can be bought with a negligible premium amount over & above your primary bike insurance plan, it never makes your pocket light, and it's worth every penny! On this page, we have discussed them thoroughly.

Liberty – 5 Important Add-on Covers For Your Two Wheeler Insurance Policy

Liberty General Insurance offers five main add-on benefits that one can opt for as per their budget and requirements. The add-ons of Liberty two-wheeler insurance are explained below:

  • Depreciation Cover

This Liberty bike insurance add-on cover protects you against the deducted amount from the insurer's side applicable to the bike and its parts at the time of claim. With time the value of a vehicle and its factors start depreciating, which causes you to get the claim amount after deduction of this depreciation rate. But, with the depreciation cover offered by Liberty General Insurance, you can claim a higher amount as this add-on safeguards you against that depreciation rate.

Liberty zero dep bike insurance cover makes you get a higher claim amount and makes you free from the liabilities against the expenses you usually make for repairing and replacing the bike parts. Zero depreciation add-on covers the parts made up of plastic, rubber, and metal with 100%, while for batteries, tubes and tyres, it covers 50% of the total. It is to note that the Liberty two-wheeler add-on is offered for new bikes only, which are not more than five years old.

  • Consumables Cover

Purchase this Liberty two-wheeler insurance add-on cover. The insurance company will protect you against the financial crises arising due to the loss of those items or substances that are either totally consumed at the time of the accident or unfit for further use in your vehicle. These items include nut and bolt, grease, brake oil, screw, fuel filter, and similar items. One can purchase the benefits for these expenses under a base package policy.

  • Engine Safe Cover

The add-on benefit of engine safe cover protects you against the substantial damage to your bike's engine's internal child parts, either due to water impression or leakage of lubricating oil or damage to the bike's gearbox because of accidental means. With this Liberty bike insurance add-on cover, you can be compensated for your bike’s repairing and replacement damaged engine, its internal parts, gearbox, and gearbox housing parts.

  • Gap Value Cover

With the Liberty gap value add-on cover, you will receive the difference amount between the current replacement value of the bike (if the same make and model of bike is available) or the amount received under your damage section, whichever is less in case of constructive loss (more than 70%) / total loss of the bike or total theft. With this Liberty bike insurance add-on, you don't even have to worry about the first time registration charges and the road tax if specified. You will be protected against the maximum liability under this add-on benefit.

  • Roadside Assistance Cover

Roadside assistance cover protects you in case of breakdown of your bike. This Liberty two-wheeler policy add-on services include minor repair (on-site), breakdown support over the phone, assistance in case of lost keys, flat tyre support, transfer or towing due to major breakdowns, etc. With this benefit cover, you will also be provided with alternative transport assistance.

Liberty Bike/Two Wheeler Insurance Add on Cover FAQs

  • 1. Who can opt for a Liberty depreciation add-on bike insurance?

    Anyone who recently bought a new bike and has a standalone or comprehensive two-wheeler insurance policy as his base policy should opt for zero depreciation. A person living in an accident or theft-prone area should also add this cover benefit to his base policy.

  • 2. Can I purchase a single add-on cover with my standard Liberty bike insurance policy, or it's necessary to buy a bundle package?

    No, it's not required to buy a bundle package of add-on covers. If your requirement is something specific, you can request your insurer for the same.

  • 3. No, it's not required to buy a bundle package of add-on covers. If your requirement is something specific, you can request your insurer for the same.

    Yes, if you want to add your family members to the policy, you can with pillion rider add-on cover.

  • 4. What factors should be considered while purchasing Liberty bike insurance add-ons?

    While purchasing Liberty two-wheeler insurance add-ons, one should consider the following factors:

    • Bike's age
    • Bike's make, model and variant
    • Area in which the policyholder lives
    • Policy type

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