Liberty Comprehensive Bike Insurance Policy

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Liberty Two Wheeler Insurance Highlights

Liberty (Two Wheeler 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
-6000+ Network Garages, 184 PPN (Preferred Partner Network) across India -Spot claims - unlimited -Advance cash upto 50% - 6 months repair warranty
close -6000+ Network Garages, 184 PPN (Preferred Partner Network) across India -Spot claims - unlimited -Advance cash upto 50% - 6 months repair warranty

Liberty General Insurance is a notable insurance provider globally, with over 93% of all two-wheeler claims settled in the previous financial year. Over 1200 dedicated employees of Liberty General Insurance company are spread across 110 locations in 95 cities across 29 states in India, offers comprehensive and reliable support to service all its customer's insurance needs. With over 5500 network garages and 5800+ network hospitals, Liberty General Insurance increases its capacity and influence in the country while delivering solutions to buyers across a broad spectrum.

Liberty comprehensive bike insurance policy offers protection to insured bikes and bikers along with the coverage of third-party liabilities.  

How does Liberty Comprehensive Two Wheeler Insurance Policy Work?

Liberty comprehensive motorcycle insurance policy is quite different from a third-party policy. It covers the liabilities covered under a third-party insurance policy and, at the same time, offers additional protection to the insured party and insured bikes. Comprehensive bike insurance provided by Liberty General Insurance also makes policyholders customize their policy by purchasing add-on covers for two-wheeler insurance. 

Liberty bike insurance offers additional benefits to those who opt for long-term comprehensive two-wheeler policies, such as premium rate hike protection, no claim bonus, and long-term coverage.

Liberty Comprehensive Two Wheeler Insurance vs. Third Party Two Wheeler Insurance 

The following table shows the critical differences between Liberty comprehensive bike insurance and third-party bike insurance:

BasisThird Party Bike InsuranceComprehensive Bike Insurance
CoverageThird-party bike insurance protects the insured person against financial expenses arising from damage to a third-party person or property in an accident involving the insured bike. It does not cover own damage.Protects the policyholderd against third-party liabilities and the insured vehicle's damage, loss, or theft.
Add-onsNo additional or add-on covers are available to purchase with a third-party insurance policy.Several add-on covers can be purchased with a comprehensive insurance to customize the coverage.
CostCheaper than a comprehensive bike insurance policy due to limited coverage.Costlier than third-party policy due to broader coverage. 
Mandatory by LawThe third-party policy has been made compulsory by the government.It is not mandatory by law.

How to Buy Liberty Comprehensive Two Wheeler Insurance Policy? 

Listed below are the steps to be followed to buy the Liberty comprehensive two-wheeler insurance online:

  1. Go to the official portal of Liberty General Insurance.
  2. Click on ‘Two-Wheeler Insurance' given in the main menu.
  3. Opt for ‘Buy Online' from the given buy online/renew LGI options.
  4. Enter the bike number for which you want to buy an insurance policy.
  5. Under the 'Tell us about the bike you drive’ option, enter the details such as your name, email ID, and mobile number.
  6. Click ‘Next.’
  7. Check your bike information already has been filled in the form, like bike model variant, manufacturer, and registration city.
  8. Click ‘Next’ if the information is correct.
  9. Enter the details of your bike’s registration date, manufacturing year and month, previous policy details if you have any, and policy type as 'third-party liability.’
  10. Click next, and enter your details such as your communication address, identity proof number, driving licence number, etc.
  11. Click next and pay the premium amount via any online payment service like net banking, credit or debit card, Paytm, Bhim UPI, etc.

What All is Covered Under Liberty Comprehensive Two Wheeler Insurance Policy? 

Liberty comprehensive two-wheeler insurance policy covers the following aspects:

  • Third-party liabilities
  • Own damage in an accident
  • Own damage in natural calamities like floods, earthquakes, etc.
  • Own damage in man-made disasters such as riots, vandalism, fire or explosion, etc.
  • Theft or burglary

What All is not Covered Under Liberty Comprehensive Two Wheeler Insurance Policy?

Liberty comprehensive bike insurance policy does not offer the coverage against following risks:

  • Normal wear and tear
  • Willful negligence
  • Driver without a valid licence
  • The vehicle is used for illegal purposes
  • Damage due to contractual liability
  • Mechanical or electrical breakdown
  • Engine failure
  • Damage to tyres
  • Loss incurred after the lapse of insurance policy
  • Nuclear wars and perils
  • Use of vehicles outside the geographical limits

Liberty Comprehensive Two Wheeler Insurance Policy Benefits

Liberty two-wheeler comprehensive insurance policy key benefits to policyholders include the following:

  • A wide range of add-on covers to customize the comprehensive policy as per the buyer's wish.
  • The multi-year policy is provided. It is a policy that runs for the long term than a standard one-year policy.
  • Active customer support
  • Hassle-free inspection and simple documentation
  • Cashless claim settlement process
  • Vast network of garages
  • Claim settlement within a week

Liberty Comprehensive Two Wheeler Insurance Review

Liberty comprehensive two-wheeler insurance policy comes with a very smooth process. You get the option to choose a preferred payment method, and can easily avail the policy from choosing multiple payment options. You can receive the detailed policy documents on your WhatsApp number and email ID within a few minutes after making the payment. 

Liberty Comprehensive Two Wheeler Insurance FAQs

  • 1. Does a Liberty comprehensive two-wheeler insurance policy need to be renewed every year?

    If you have bought a multi-year Liberty comprehensive two-wheeler insurance policy, there is no need to renew it every year. 

  • 2. What add-on covers can be purchased with Liberty comprehensive motorcycle insurance?

    Zero depreciation, consumables cover, GAP value cover, roadside assistance cover, and engine safe cover are the five add-on covers you can purchase with your Liberty comprehensive two-wheeler insurance policy.

  • 3. What are the factors that affect the cost of Liberty comprehensive two-wheeler insurance?

    The cost of the Liberty comprehensive bike insurance policy can vary depending on the following factors:

    • Insured Declared Value (IDV)
    • Bike’s age
    • Model variant
    • Add-on covers you want to add
    • Geographical zone
  • 4. How many branches of Liberty General Insurance are there in India?

    A total of 110 branches of Liberty General Insurance are available in India across 95 cities.

  • 5. Can I get Liberty comprehensive two-wheeler policy-related information and support on my WhatsApp number?

    Yes, you can get Liberty comprehensive two-wheeler policy-related information and support directly on WhatsApp from their support teams. 

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