
Car Insurance in Chennai

About Car Insurance in Chennai
Chennai, the cultural capital of southern India. But there’s a lot more to the city than its Marina Beach (the second longest in the world), spectacular temples always resounding with dance and music, and of course filter coffee. For instance, not many people know that the College of Engineering, Guindy, the first Engineering College in India, started as a Civil Survey School in 1794 with just one student. Or that over 30 per cent of India’s automobile industry is based in and around Chennai, which is why it is also known as the “Detroit of India.” As a car owner in Chennai, you must know that car insurance is a must for any vehicle. But before you insure your vehicle, remember that buying the cheapest policy is not necessarily the best policy. After all, in the unfortunate event of a mishap while driving to the hill stations of Ooty, Yercaud, or Kodaikanal, or during a weekend trip to the old French colonial town of Puducherry, the last thing you need to worry about is whether your policy covers the damage. Don’t fret. LGI, a trusted motor insurance brand, has you covered. Whether you opt for a simple third party policy or a full comprehensive cover, you can rest assured that you will not have to run from pillar to post in case of an accident.
You can also find a list of Liberty General Insurance-partnered garages at our garage locator
Why choose Liberty General Insurance in Chennai?
Hassle-free paperwork
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Key Features

Hassle-free inspection
Our inspection process means you don’t have to endure any hassles

Claim Settlement
Enjoy Hassle-free settlement with
Liberty General Insurance

Ease of Endorsement
Incorporate amendments in
your existing policy

Additional Protection Cover
Check our list of add-on policies
for your car

Daily Customer Service
Call us from 8 am to 8 pm,
7 days a week
Types of car insurance policies

Third Party Insurance
Driving without a Third Party or Liability Only insurance policy is a punishable offence under the Motor Vehicles Act of 1988. This policy, however, only covers loss or damage suffered by a third party in case of an accident arising out of the use of the insured vehicle. Remember that it does not cover any loss or damage to the insured vehicle or to the insured.

Comprehensive Insurance
As the name suggests, this is an all-inclusive policy which offers complete coverage for loss or damage to the third party as well as to you in case of an accident, damage or theft.

Add-on covers
Liberty General Insurance also offers various add-on covers such as depreciation cover, passenger assist, consumable cover, engine safe cover, GAP value cover, key loss cover, and roadside assistance cover. You can pick and choose from these depending on your needs and budget.

Own Damage (OD) Cover
This policy covers damage caused by fire, explosion, lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc.
What the own damage insurance does not cover
- Damage to third-party vehicle
- Damage to third-party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your Private car for commercial purposes.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Consequential loss
FAQs
What’s the best way of buying car insurance?

Do I have to renew my four-wheeler insurance every year?

What are the factors that influence the premium for a car insurance policy?

What is No Claim Bonus or NCB in four wheeler insurance?

Popular Searches
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
2019 Liberty General Insurance Ltd.
Reg Office: 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013
Trade Logo displayed above belongs to Liberty Mutual and used by the Liberty General Insurance Limited under license. For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale.