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Car Insurance in Kolkata
About Car Insurance in Kolkata
Often described as the “City of Joy,” Kolkata, the capital of West Bengal, is a eclectic mix of colonial charm and the proverbial Bengali ‘culture.’ Famous for its street food, laid back people, and of course the annual Durga puja, which brings the entire city to standstill for a week, Kolkata is also home to iconic structures like the Howrah Bridge and Victoria Memorial. Once infamous for its chaotic traffic, the city now boasts one of the best managed traffic systems in the country. The cost of living in Kolkata is among the lowest in the country, which means most cars too are slightly less expensive to buy, run and maintain than in other metros. Since insurance is a must for any car to run on Indian roads, it is important to choose your policy wisely. LGI offers a range of car insurance policies in Kolkata which are optimised to suit your needs. From basic Third Party policies which only insure others involved in an accident with your car, to Comprehensive Policies which give you complete peace of mind.
You can also find a list of Liberty General Insurance-partnered garages at our garage locator
Why choose Liberty General Insurance in Kolkata?
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
It is mandatory to have third-party insurance under the Motor Vehicle Act of 1988. Driving without it is a punishable offence under the act. The third party policy provides coverage against 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.
Third Party Insurance
The Motor Vehicle Act of 1988 has deemed it mandatory to own third-party insurance. Driving without it is a punishable offence under the act. However, this policy only applies to third party damage, and does not cover damage to your own vehicle.
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 theft or an accident.
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 Own Damage Insurance does not cover for your car?
- Damages to a third party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive Car insurance)
- Damage caused to a 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
Add-on covers
Liberty General Insurance gives you the option to choose 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.
FAQs
What are the documents required to settle a claim?
How do I receive my car insurance policy?
Do I have to renew my four wheeler insurance every year?
Should I buy third-party or comprehensive car insurance?
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Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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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.
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