Liberty Bike Insurance Claim

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Liberty General Insurance, with its vast network of garages and hospitals, has been able to settle more than two crores of claims efficiently by protecting any financial and legal liabilities towards the third-party that involves an insured vehicle. To help its customers, Liberty General Insurance has designed its website in a highly user-friendly way with active customer support. In case of an unfortunate event, while riding your Liberty insured two-wheeler, you can claim two-wheeler insurance Liberty against any damage sustained by your vehicle, you or a third-party according to the policy you hold. The bike insurance company is bound to provide you with financial support in the form of a claim.

Liberty bike insurance claim settlement ratio is approximately 94% for the previous year as the company satisfies all its customers with their claim settlement process. Let's look at how one can avail of the claim by Liberty General Insurance.

List of Documents Required During Claim Settlement

Liberty's two-wheeler insurance claim process, however, requires minimal documentation. You are advised to keep handy the following documents while applying for the Liberty motor claim:

  • Bike insurance policy
  • Address proof, and I'd proof
  • Liberty bike claim form duly filled and signed
  • Copy of driving licence (with original to verify)
  • Registration certificate copy (original in case of theft)
  • Police FIR copy (in case of theft, total loss and third-party damage)
  • Fire brigade report (in case of fire)
  • Pictures of the damaged bike
  • Repair and replacement bill in original (in case of reimbursement claim)
  • The entire set of keys (in case of theft)
  • No trace report of bike from the police (in case of theft)
  • Indemnity bond (in case of theft)
  • NOC from financer (in case of theft and total loss)

How to Make Liberty Two Wheeler Insurance Claim Online?

You can initiate the claim on Liberty bike insurance online with a simple claim process designed by LGI without any paperwork. Here's everything you need to know about Liberty's two-wheeler insurance claims process to help you get going:

  • Register your claim as soon as possible via either their website or through their toll-free number 1800 266 5844.
  • Register on the website – visit the insurer's website and click on claim assistance.
  • On registration for claim, enter all the required details in the form, such as policy details, your details, accident information, garage details where you want to repair your vehicle, etc.
  • Lodge an FIR if required.
  • Liberty General Insurance company representative will reach out to you for further details.
  • The company would organise a survey within 24 hours if an accident occurred inside the city and within 48 hours if the accident took place outside the city.
  • Once the bike is moved to a workshop, the LGI will need the documents mentioned above at the garage for their inspectors to verify.
  • After verification, the company will instantly process your claim settlement.

Initiating the Liberty claim settlement process can be done in two ways, namely cashless claim settlement and reimbursement claim. Let's discuss how both methods are executed.

How to Make Liberty Cashless Bike Insurance Claim?

The claim process of Liberty two-wheeler insurance is very simply formulated. Here are the steps to be followed to process the Liberty bike insurance claim:

  1. After initiating the claim by informing the insurer about the accident either through their toll-free helpline number or by registering on their website, after the entire process of successful inspecting and surveying, the insurer permits you to repair your bike through their claim.
  2. Then, get your bike repaired efficiently at any network garages of the Liberty General Insurance.
  3. The process is entirely cashless as the company will pay the repair cost to the garage directly.
  4. After paying the deductibles, you can pick up your vehicle from the workshop.

How to Make Liberty Reimbursement Two Wheeler Insurance Claim?

One can register a reimbursement claim for two-wheeler insurance Liberty if they couldn't find a networking workshop nearby or want to repair their bike at any other seminar of their choice. A reimbursement claim at LGI makes you get compensation for the repair cost. The Liberty reimbursement claim process has been discussed below:

  1. After initiating the claim by informing the insurer about the accident either through their toll-free helpline number or by registering on their website, after the entire process of successful inspecting and surveying, the insurer permits you to repair your bike through their claim.
  2. Then, get done your bike repaired efficiently at your preferred workshop. In the process, all the repair costs have to be paid by you.
  3. Then submit all the bills and receipts in original with garage stamp to the insurer.
  4. After verification, the company will instantly process your claim settlement.

Common Liberty Two Wheeler Insurance Claim Rejection Reasons

In the following situations, the insurer has the right to deny the insured's Liberty bike insurance claim:

  • Expired policy
  • No evidence of the accident
  • Wrong information provided by the policyholder

Liberty No Claim Bonus

No claim bonus (NCB) discounts are offered by Liberty General Insurance to the insured as a reward if, during an insurance tenure, not a single claim is filed. This bonus is essential in lessening the premium cost for the insurance policy renewal.

Liberty Bike Insurance Claim FAQs

  • 1. What is the Liberty bike insurance claim settlement ratio?

    The Liberty two-wheeler insurance claim settlement ratio is 94% for the previous year.

  • 2. Can I claim bike insurance for Liberty if my bike is damaged in the riots?

    Yes, only if you hold a comprehensive or own damage bike insurance from LGI.

  • 3. Who decides the motor insurance claim amount if a third-party suffered loss during an accident?

    In case of third-party loss, the claim amount is evaluated by the court of law. 

  • 4. What proofs to show during Liberty two-wheeler insurance claim if the bike is stolen?

    In the case of a stolen insured bike, a copy of the FIR and no-trace report from the police is compulsory.

  • 5. How much discount might one get with Liberty no claim bonus?

    One might get a discount of up to 50% based on the type of bike and years number for which no claim has been made.

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