Liberty Two Wheeler Insurance FAQs

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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


  • 1. What factors will affect my premium amount when I buy the Liberty Two Wheeler Insurance plans?

    Some of the factors that affect your insurance premium  are:

    1. Age of the two-wheeler
    2. The geographical zone that you are in
    3. Engine’s Cubic Capacity
    4. Insured Declared Value (IDV)
  • 2. How can I get to the nearest Liberty network garage?

    To check the list of network garages you can visit the company website. Go to garages and type the city you are in. A list of garages would appear.  To reach the page directly, just click:

  • 3. How can I find a Liberty Company Office branch near me?

    Visit the company website, and go to “Locate a Branch”. Enter the name of your city and see the address. To go to the company page directly, click:


  • 1. How much discount may I get with Liberty no claim bonus?

    No claim bonus plays a significant role for you while applying for Liberty bike Insurance renewal as you might get discounts on renewal Premium ranging from 20% to 50% based on the bike type (sports bike, regular motorcycle, bullet bike etc.) and the number of years for which you have made no claim.

  • 2. Is Liberty General Insurance is trusted company for two-wheeler insurance?

    The Liberty General Insurance company, with its wide network of 5800+ Hospitals and 5500+ repairing workshops, has gained the trust of more than two crores of customers by shielding them against the financial and legal liabilities towards the third party. 

  • 3. What information must be provided while renewing a Liberty two-wheeler insurance policy?

    For Liberty two-wheeler insurance policy renewal, you are required to provide the following details:

    • The existing policy number of the insured bike
    • Your name (as on official documents)
    • Phone number and e-mail id
    • Insured bike registration number
  • 4. How to check the Liberty bike insurance renewal due date?

    You can find the Liberty bike insurance renewal’s due date in the policy documentation provided by the insurer. Also, you can contact the company and request the same.

  • 5. Why did my application get rejected for the renewal of my bike insurance policy by Liberty General Insurance?

    There can only be two broad categories of reasons for declination of your bike insurance renewal by Liberty General Insurance. This is either related to your personal details or to your bike itself. Perhaps your personal information, such as your residence, age, the amount of excess you are willing to pay, and driving experience, has changed. Your vehicle can also be the reason for rejection as it is assigned some risks on the basis of its value, the speed it generates, and the chances of it being involved in an accident.

    Below mentioned are some of the common justifications for the declination of your Liberty bike insurance policy renewal:

    • You being associated with motoring offences in the past
    • Imported model bike
    • Theft or fraudulent prone area where you reside
    • Driver is not so experienced
    • Modified bike
    • A combination of both


  • 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.

Policy Download

  • 1. Is information related to no claim bonus provided in Liberty two-wheeler insurance policy documents?

    Yes, the Liberty bike insurance policy documents contain the information related to the no claim bonus.

  • 2. What are the details provided in the Liberty bike Insurance policy?

    Following are the details provided in the Liberty General Insurance policy document:

    • Policy Duration 
    • Policy Type (Annual or Multi-year)
    • IDV and Premium Amount
    • Declarations
    • Inclusions and Exclusions under the Policy
    • Terms and Conditions of the Policy
    • Endorsement Page
  • 3. Is there a limit to how many Liberty two-wheeler insurance policies can be downloaded?

    No, you can download the policy document of Liberty two-wheeler insurance as many times as you want.

  • 4. What information do I need to provide for the Liberty bike policy download?

    Liberty bike policy downloading requires you to provide a registered mobile number and your policy number.

  • 5. Is there any fine for not carrying a bike insurance policy while riding on roads?

    Driving without a policy document can make you pay a fine of INR2,000 and/or imprisonment of up to 3 months.

Add On Covers

  • 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


  • 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. 


  • 1. What is the compensation amount under the personal accident cover offered by Liberty along with third-party bike insurance policy?

    Financial cover of up to INR 15 lakh is provided under personal accident cover of Liberty General Insurance.

  • 2. For purchasing Liberty third-party bike insurance policy, is IDV calculated?

    Yes, Insured Declared Value (IDV) is calculated while purchasing a third-party bike insurance policy.

  • 3. Can I customize my Liberty third-party bike insurance policy with add-on covers of my choice?

    With Liberty third-party two-wheeler insurance policy, no add-on covers are available from Liberty General Insurance.

  • 4. Can I switch my insurer from Liberty General Insurance to another?

    Yes, Liberty General Insurance allows you to switch your insurer after the expiration of their policy period.

  • 5. Does Liberty third-party bike insurance policy provide any benefit to the insured?

    Liberty third-party two-wheeler policy does not provide any benefit to the insured. It only covers the legal liability towards the death or injury caused to the third-party or damage to their property on behalf of the insured person. However, own damage, loss, or theft of the insured vehicle is not covered.

Zero Depreciation

  • 1. What are the conditions that apply before buying Liberty zero-depreciation bike insurance cover?

    The only conditions are that you can only opt for Liberty zero dep bike insurance policy along with a Liberty comprehensive insurance policy , and the second one is your bike age should be less than five years.

  • 2. How many times may I use the Liberty zero depreciation insurance?

    When you buy a Liberty add-on zero dep bike insurance policy, the amount of claims you can make per year is limited. If the number of claims exceeds, then the company will be entertaining the subsequent claims as per the policy, but the cost of depreciation in them will have to be borne by you

  • 3. Is purchasing zero depreciation insurance mandatory for bikes?

    No, zero depreciation add-on is not a mandatory cover, but you should opt for this add-on cover so that you can avail yourself an additional coverage and benefits along with your standard bike insurance policy.

  • 4. What is the premium of the Liberty zero depreciation bike add-on cover?

    There is no fixed premium from the company side for the zero depreciation bike add-on cover as the premium amount depends on a number of factors such as the Insured Declared Value (IDV) of the vehicle, its model, age, place of registration, etc.

  • 5. Who should buy the Liberty zero depreciation bike cover?

    The Liberty zero dep bike insurance cover is best suited for new bike owners, inexperienced bike drivers, luxury and sportbike owners and owners who live in the accident-prone zones.

Own Damage

  • 1. What is the claim settlement ratio of Liberty General Insurance?

    Liberty General Insurance in the previous year has successfully settled 94% of the claims.

  • 2. What are the details required while furnishing the claim with Liberty General Insurance?

    Following are the details one would require to submit while furnishing a claim with Liberty General Insurance:

    • Bike insurance policy number
    • Policyholder name and contact details
    • Place of accident (full address)
    • Proof/Evidence of accident
    • Address of vehicle for inspection
    • Driver name at the time of the accident
    • Description of the damage sustained by the bike
    • An estimation of the loss
  • 3. Is it mandatory to have LGI standalone bike insurance policy?

    No, it is not mandatory to buy the Liberty General Insurance standalone two-wheeler insurance as per Indian traffic rule; however, every two-wheeler owner must have at least third-party bike insurance.

  • 4. If I have an insurance policy with another insurer, can I switch it to Liberty General Insurance's multi-year two-wheeler insurance?

    Yes, you can transfer your long term two wheeler insurance plan with another insurance company to Liberty General Insurance any time you like.

  • 5. Does Liberty standalone bike Insurance cover tow charges?

    Yes, Liberty General Insurance, under its standalone two-wheeler insurance policy, covers the towing charges of up to INR 300 from the place of accident to the workshop.

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