Buy Car Insurance Online | Get Four Wheeler Insurance Policy

Liberty General Car Insurance is where your vehicle's safety and your peace of mind are our top priorities. Our Car Insurance policies are designed to shield you from unexpected expenses arising from events such as fire, theft, man-made disasters, floods, earthquakes and other natural calamities. Do not let your vehicle go unprotected, ensure you have a valid car insurance policy.

A car insurance is not just about compliance, it is about safeguarding your financial well-being. Driving without a valid third-party car insurance may result in the levying of fines from traffic authorities. Also, unforeseen incidents can lead to substantial repair bills, causing financial strain. Secure your journey by buying or renewing your car insurance online - a convenient and efficient process that puts protection at your fingertips.

For comprehensive coverage, consider our car insurance policies. Customise your plan with add-on covers such as emergency roadside assistance, depreciation cover, Consumable Cover, Engine Safe Cover and more. Our goal is to offer you a comprehensive solution that fits your unique needs.

When you choose to secure your vehicle with a car insurance policy from Liberty General Insurance (LGI), you receive comprehensive coverage that goes beyond the fundamental protection. This policy ensures that car owners, such as yourself, are safeguarded against essential factors, including:

1. Damages to the insured vehicle.
2. Any third-party liability determined by the law.

Do not wait until it is too late, buy car insurance that aligns with your requirements and drive with confidence. Your vehicle deserves the best and so do you.

Key Features of Car Insurance Offered by Liberty General Insurance

If you are planning for your car insurance renewal or looking to upgrade to a better one, four-wheeler insurance from Liberty General gives you more than just basic protection. Apart from car insurance policy, we also offer a shield of comprehensive protection.

Let us take a look at the benefits of car insurance policy that sets us apart:

Effortless Claims Assistance

We, at Liberty General Insurance, prioritise a hassle-free claims process. With access to inspection and cashless claim services at an extensive network of over 4300 garages, policyholders can experience swift and convenient claim settlements. The commitment to efficiency ensures that your claims are handled promptly, providing a sense of security during unforeseen circumstances.

Seamless Claim Assistance at Any Time

Life is unpredictable and emergencies can happen at any moment. Liberty General Insurance understands this, making us offer seamless claim assistance 24/7. The assurance of settling claims conveniently and promptly ensures that you are never alone in navigating the aftermath of an incident.

Easy Policy Renewal with Added Benefits

Renewing your car insurance policy is easy with Liberty General Insurance. Whether transitioning from another insurance provider or renewing an existing policy, the process is designed for simplicity. Bringing your policy to us opens doors to enhanced services, including the retention of your current no-claim bonus, translating to financial benefits over time.

Additional Protective Covers for Enhanced Security

Recognising that every driver's needs are unique, we allow policyholders to choose from a variety of additional protective covers. This flexibility empowers you to tailor your insurance to match your specific requirements, providing an added layer of security for your peace of mind.

Efficient Telephonic Services for Support

Liberty General Insurance does not just stop at comprehensive coverage. It extends its commitment to service through efficient telephonic support. Accessible from 8:00 AM to 8:00 PM seven days a week, our team stands ready to provide effective claims support and assistance. This ensures that your concerns are addressed promptly and professionally.

A car insurance policy with Liberty General Insurance transcends conventional coverage, offering a suite of benefits designed to safeguard your journey on the road. From hassle-free claims to round-the-clock support, our commitment to excellence establishes them as a reliable partner in ensuring your peace of mind while on the move.

Why Do You Need Car Insurance?

When it comes to automobiles, one thing is certain - car insurance is not just a luxury, it is a necessity. Whether you are a seasoned driver or a novice on the road, having car insurance is a prudent decision and a legal obligation. Car insurance is a robust shield for both you and your vehicle.

Here are a few reasons why you should have car insurance:

1. Mandatory by Law

First and foremost, car insurance is a legal requirement in India. Driving a car without third-party insurance is a punishable offence, according to the provisions of the Motor Vehicles Act, 1988 as amended from time to time.
Driving without valid Third party liability insurance is not only risky but also against the law. It serves as a protective measure for you, fellow road users and pedestrians. By sticking to the legal mandate, you can avoid hefty fines, legal consequences and also contribute to a safer road environment for everyone.

2. Pays for 3rd Party Damages/Injuries

Accidents are unpredictable and when they happen, the aftermath can be financially devastating. Car insurance acts as a financial safety net by covering damages and injuries caused to third parties in the event of an accident where you are at fault.
This includes repairing the other person's vehicle, medical expenses and any legal fees that may arise. Without insurance, you would be personally responsible for these costs, potentially leading to financial ruin.

3. Protects You and Your Vehicle

Car insurance helps you cover damages and safeguard you and your vehicle. Comprehensive car insurance policies provide coverage for damages to your car due to accidents, theft, vandalism or natural disasters. Whether it is repairing a dent from a minor collision or replacing a stolen vehicle, having insurance ensures that you won't bear the full financial brunt of unforeseen events.

4. Covers Legal Costs

Legal battles can be both time-consuming and expensive. In the unfortunate event of an accident, disputes and lawsuits may arise. Car insurance provides financial support for third-party legal claims and also covers your legal costs if you need to defend yourself.

5. Provides Financial Support to Family

Car insurance extends its protective reach beyond the driver. In the tragic event of a fatal accident, having a comprehensive car insurance policy with personal accident cover ensures that your family receives financial support. This coverage helps alleviate the financial burden by providing compensation in case of disability or loss of life. It offers peace of mind, knowing that your loved ones will have the necessary support during challenging times.

Car insurance is not an optional expense, it is a vital investment in your safety, the safety of others and the protection of your financial well-being. Beyond fulfilling legal requirements, car insurance provides a shield against the uncertainties of the road.

For hassle-free coverage, explore the convenience of car insurance online by Liberty General. Get your Liberty General car policy today and drive with the confidence that comes from knowing you are protected at every turn.

Points To Consider While Choosing Car Insurance

Choosing the right car insurance is like securing a safety net for your beloved four-wheeler. By understanding a few critical points, you can ensure that the four-wheeler insurance policy you choose provides comprehensive coverage.

1. Evaluate Your Coverage Needs

Before exploring the options available, assess your coverage requirements. A comprehensive insurance cover extends beyond the basics and includes protection against a myriad of risks such as accidents, theft, natural disasters and more. Consider factors like your vehicle's age, usage patterns and your budget. Understanding your needs will guide you towards choosing the right level of coverage.

2. Compare Policies and Premiums

The insurance market is flooded with options, each offering different features and premiums. Take the time to compare four-wheeler insurance policies from various providers. Look at the cost and also the coverage provided. Some policies may be priced attractively but could lack essential features. Strike a balance between affordability and the scope of coverage to ensure you get value for your investment.

3. No-Claim Bonus (NCB) Benefits

A track record of safe driving deserves recognition and many insurance policies offer a No-Claim Bonus (NCB). This bonus rewards policyholders for not making any claims during the policy period. When selecting a four-wheeler insurance policy, enquire about the NCB benefits. This can lead to substantial discounts on the premium during renewals, making it a crucial aspect of a long-term insurance strategy.

4. Deductibles and Exclusions

Examine the policy's deductibles and exclusions carefully. Deductibles are the amount you agree to pay out of your pocket before the insurance coverage starts helping with the costs, when required. A higher deductible may lower your premium but increase your financial responsibility in the event of a claim. Additionally, be aware of policy exclusions—situations or events that are not covered. Understanding these aspects will prevent unpleasant surprises when filing a claim.

5. Garage Network

In times of need, access to a network of garages is important. Check if the insurance provider has a widespread network of garages where you can avail of repair services.

6. Claim Settlement Ratio

The claim settlement ratio is a key indicator of an insurance company's reliability. It represents the percentage of claims settled by the insurer against the total claims received. A higher claim settlement ratio implies a smoother and more reliable claims process.

7. Additional Add-Ons

Enhance the coverage of your four-wheeler insurance policy by exploring additional add-ons. These could include coverage for accessories, engine protection, personal accident cover and more. While these add-ons may increase the premium slightly, they can significantly enhance the overall protection provided by your policy.

Types of Car Insurance Policies by Liberty General Insurance

At Liberty General Insurance, we offer a comprehensive range of car insurance policies designed to meet the diverse needs of our customers. Choosing the right insurance for your vehicle is a crucial decision and we provide you with two convenient options: visiting our nearest branch or purchasing car insurance online, which offers a faster and more convenient experience.

Let us take a look at two primary car insurance policies we offer:

1. Liability Only Policy

- This policy is a mandatory requirement as per Indian law.

- It provides coverage for damages or theft to your vehicle caused by a third party.

- This policy ensures that you comply with legal obligations while safeguarding your interests in case of unfortunate incidents involving third parties.

2. Stand-Alone Own Damage (SOD) Policy

- SOD or OD policy offers coverage for damages to your own vehicle that are not caused by a third party.

- For instance, if your parked car is affected by an unforeseen event such as a tree branch falling on it, the SOD policy will cover the repair or replacement costs.

- This policy is particularly beneficial in situations where the damage is caused by events beyond your control.

3. Comprehensive Car Insurance Policy

- Our Comprehensive Car Insurance Policy is a holistic insurance solution that combines the benefits of the Liability Only Policy and the Stand-Alone Own Damage (SOD) Policy.

- It extends coverage to damages or theft caused by third parties as well as damages to your own vehicle in various scenarios.

- This all-in-one package ensures comprehensive protection for you and your vehicle.

4. Add-On Covers

- At Liberty General, we understand that each vehicle and its owner have unique requirements. That is why we offer Add-On Covers that allow you to customise your insurance policy for specific coverage needs.

- These Add-On Covers are flexible and can be customised to your preferences, providing an extra layer of protection.

- It is important to note that the availability of Add-On Covers may vary based on the age of your vehicle. For detailed information, please consult with your Liberty General Insurance provider.

When browsing through our website for more information or to purchase insurance, keep in mind that you can choose the convenience offered by our online platform. We encourage you to explore our comprehensive policies and customisable Add-On Covers to ensure that your insurance meets your specific needs.

Third-party Car Insurance vs Comprehensive Car Insurance vs own damages

When it comes to safeguarding your vehicle, choosing the right insurance coverage is paramount. Understanding the differences between third-party car insurance policies, comprehensive coverage and own damage insurance (OD) is crucial in making an informed decision tailored to your specific needs.

1. Third-Party Car Insurance Policy

Third-party insurance is the minimum legal requirement for every vehicle owner. It covers liabilities arising from damages or injuries inflicted upon third parties in the case of accidents where you are at fault. While it fulfils legal obligations, it leaves your vehicle unprotected from its own damages.

Opting for a third-party car insurance policy may seem cost-effective initially but the long-term implications of neglecting coverage for your vehicle's damages could outweigh the initial savings.

2. Comprehensive Car Insurance

Comprehensive coverage is the gold standard in car insurance, offering a holistic approach to protection. This policy includes third-party liability coverage and extends to safeguard your vehicle against a myriad of risks. From accidents and theft to natural calamities, comprehensive car insurance provides a comprehensive shield for your prized possession.

With comprehensive coverage, you can rest assured that both third-party liabilities and own damages to your vehicle are covered, offering peace of mind and financial security.

3. Own Damage Insurance

Own damage insurance is a subset of comprehensive coverage that specifically addresses damages to your vehicle. It goes beyond third-party liabilities, encompassing repair or replacement costs for your car in the event of accidents, vandalism or unforeseen circumstances.

This focused approach ensures that your investment is protected, allowing you to navigate unforeseen challenges without bearing the entire financial burden.

While third-party car insurance policies meet legal requirements, choosing comprehensive coverage, including own damage insurance, provides a more robust shield against the uncertainties on the road.

Inclusions and Exclusions

While our car insurance policy covers a broad spectrum of incidents, it is essential to be aware of both inclusions and exclusions. At Liberty General, transparency is paramount. Trust us to be your partner in safeguarding your four-wheeler, offering coverage that extends beyond expectations. Drive with confidence, backed by Liberty General's commitment to comprehensive car liability coverage and protection against unforeseen events.

Inclusions
Exclusions
Additional Covers

Inclusions

What Does Your 4-Wheeler Insurance Include?

At Liberty General, we believe in providing you with a car insurance policy that goes beyond the ordinary, offering a robust shield for your four-wheeler. It is essential to have car liability coverage while driving and our comprehensive car insurance policy is meticulously designed to cover a spectrum of scenarios, ensuring you have the protection you need when you need it.

1. Accident due to external impact: Our car insurance policy comprehensively covers damages resulting from accidents caused by external impacts. Whether it is a collision on the road or a mishap in a parking lot, Liberty General has you covered.
2. Natural Calamities: Be it an earthquake, flood, storm, landslide or rockslide, our car insurance policy extends its protective umbrella to shield your vehicle against the unpredictable forces of nature.
3. Loss Due to Burglary or Housebreaking: Liberty General understands the value of your vehicle. In the unfortunate event of a burglary or housebreaking leading to the loss of your car, our insurance policy steps in to ease the financial burden.
4. Fire, Explosion, Self-Ignition, Lightning: Unforeseen events like fire, explosion, self-ignition or lightning causing irreparable damage to your vehicle are included in our coverage, ensuring you are prepared for the unexpected.
5. Malicious Intent: Acts of malicious intent, such as riots, strikes or terrorism, are covered under our comprehensive car insurance policy. Liberty General is committed to providing a safety net against unpredictable circumstances arising from deliberate harm.
6. Accidents in Transit: Your vehicle is protected on the road and also during transit. Whether it is being transported by road, rail, inland waterway or on a lift, our insurance policy safeguards against accidents in transit.

Exclusions

What are the exclusions in a car insurance policy?

While Liberty General's comprehensive car insurance policy provides extensive coverage, it is crucial to be aware of the exclusions - situations where coverage may not apply. This transparency is key to ensuring a clear understanding of your policy and making informed decisions.

1. Wear and Tear, Mechanical or Electrical Breakdown: Routine wear and tear from daily commuting, mechanical or electrical breakdown, failure or breakage are excluded from our car insurance coverage. Regular maintenance and upkeep remain the responsibility of the policyholder.
2. Driving with an Invalid Licence: Damages incurred while the driver holds an invalid license or operates the vehicle under the influence of alcohol/drugs are not covered. Responsible driving is essential to ensure the validity of your car insurance policy.
3. Depreciation-Related Loss: Losses resulting from the natural depreciation of your car's value over time are not covered. It is essential to keep in mind that insurance primarily addresses unforeseen incidents rather than expected value changes.
4. Claims Arising from Contractual Liability: Claims resulting from contractual liabilities are excluded from our coverage. The policy focuses on protecting against unforeseen accidents and damages rather than legal obligations outside the policy terms.
5. War, Civil War, Mutiny, Nuclear Perils, etc.: Loss or damage to your car due to war, civil war, mutiny, nuclear perils and similar events fall under exclusions. Such scenarios are beyond the scope of a car insurance policy.
6. Tyre and Tube Damage (Except During Accidents): Damage to tyres and tubes is excluded unless it occurs during an accident. Regular wear and tear of these components is not covered.
7. Usage Limitations: Driving under conditions other than those specified as 'limitations of use,' such as using a private car as a cab, is not covered under our policy.
8. Loss/ Damage Outside India: Loss or damage to your vehicle occurring outside the geographical boundaries of India is not covered.

Understanding these exclusions is essential, whether you buy car insurance online or offline. It empowers you to make informed decisions, ensuring that you have a comprehensive understanding of your car liability coverage and the situations where it may not apply. At Liberty General, transparency is our commitment to you. Drive with confidence, knowing the limits and possibilities of your coverage.

Additional Covers

Additional Covers from Liberty General:

When you buy car insurance, you can also opt for add-on covers based on your needs. Let's take a look:

a) Depreciation Cover

Under this cover, you can claim the depreciation amount deducted on the value of parts. These are parts you may have replaced as a result of an admissible claim under the Own Damage Section of your policy.

Conditions Under Which You Can Claim this Cover:

You have to repair the insured vehicle at any of Liberty General's authorised garages.

Exclusions Under this Cover:

You cannot claim repairs at any of our authorised garages.

b) Consumables Cover

It covers expenses towards "those items of specific use which at the time of loss are either consumed or rendered unfit for further consumption" arising out of damage to the vehicle insured and to its accessories.

Consumables shall mean those items which have a specific use and are useless or unfit when applied to their respective uses after a while. These items include grease, lubricants clip, air conditioner gas, bearings, engine oil, oil filter, brake oil, nut and bolt, screw, washers and other perishable parts.

Special conditions applicable:

1. If a claim has to become payable under this add-on, it should be permissible under the "Own Damage Section" of your 4-wheeler insurance policy.
2. You have to support all these relevant costs with original bills or invoices. These documents have to be only from authorised garages of Liberty General Insurance.
3. You have to carry out these repairs within three (3) days from the date of loss.

Exclusions Under this Cover:

1. Expenses under this add-on in the event of a total or constructive loss
2. Labour charges and service taxes of repairs of these consumables
3. Repairs or labour bills from local garages against insured items.

c) Gap Value Cover

Under this cover, you can claim the difference between what you receive under the 'Own Damage Section' and the price on your purchase invoice.

It also covers road tax and first-time registration charges if you specifically declare them and pay an additional premium.

Liberty General's maximum liability is limited to the sum insured mentioned in the policy schedule.

Special Conditions of this benefit

1. The vehicle is not more than three years old on the start date of the policy.
2. The Total or Constructive Total Loss (CTL) or total theft of the vehicle should be admissible under the 'Own Damage Section' of the policy.
3. The insured should be the first registered owner of the vehicle.
4. The insured vehicle should be manufactured in India.

Exclusions

1. It covers only first-registered-owner vehicles
2. It does not cover imported cars.

d) Roadside Assistance Cover

If your insured vehicle breaks down, you can get roadside assistance from Liberty General Insurance. You can get in touch with a pre-approved, local mechanic or garage owner anywhere in India. We are one of the few insurance companies to have this add-on benefit. The related services under this cover include:

1. Assistance in relocating the broken-down vehicle to the nearest network garage
2. Repair services for minor breakdowns
3. Assistance in case you are locked out or have lost your car keys
4. Assistance in changing a flat tyre
5. Arranging emergency fuel in case the vehicle runs out of of it
6. Assistance in providing alternative transport to the nearest safe location for you and your passengers.

Special conditions

You will have to pay charges for any services which do not form part of the standard services. These additional expenses include replacement of a part, additional fuel which are beyond the allowable expenses.

Exclusions Under this Cover:

1. Any roadside assistance sought from a vendor unauthorised by Liberty General
2. Any expenses toward part replacements or fuel costs.

e) Passenger Assistance Cover

This is a comprehensive cover for the safety of people travelling with you in your car. The expenses include:

Hospital Allowance
Medical Expenses
Medical Transport Assistance

Special Conditions applicable to this Medical Expenses Coverage:

Liberty General will cover medical expenses for treatment taken from only registered medical practitioners. These practitioners must have registrations from their respective medical councils.

f) Key Loss Cover

If you extra premium as mentioned in your car policy schedule, you can get this coverage subject to terms, conditions, exclusions and limitations. You can get reimbursement for these expenses:

1. The cost of replacing your car keys in case you have lost, broken or damaged them.
2. The cost of replacing keys if your vehicle is damaged during a break-in and you lose your keys. Or if the security of your car is threatened.

Special Condition for Not Using this Cover

Special Condition for Not Using this Cover: It is vital to provide a police report confirming the incident details that occurred during the mentioned policy.

g) Engine Safe Cover

You can apply for an add-on cover to pay for your engine. The cover also extends to expenses including the engine block and gearbox. You can claim for expenses to your car engine only under these conditions:

1. If your engine gets filled with water
2. If your car is leaking lubricant or oil from the engine due to accidental damages.

Special Conditions:You can claim for repairs under water ingression only after you provide sufficient evidence of the vehicle being submerged or having stopped in a waterlogged area.

The vehicle is taken to the garage within 24 hours after water levels recede in the waterlogged area. You have to inform Liberty General of reduced water levels within three days.

You must take reasonable care to avoid further damage to your car's engine or gearbox after water ingression or leakage of lubricating oil. You must not try to crank or push-start the engine after the undercarriage is damaged or your car stops due to waterlogging.

Special Exclusions Under this Cover:Any loss or damage covered under the manufacturer's warranty or part of manufacturer's recall.

Any loss or damage to the engine or gearbox due to delayed intimation to Liberty General or delay in retrieving the insured vehicle from a waterlogged area.

Factors Affecting Car Insurance Premium

Car insurance premiums in India are influenced by many factors, each contributing to the overall cost of coverage. Understanding these variables is crucial for both new car insurance premium seekers and those contemplating the renewal of their policies.

These are key factors that will affect your car insurance premium.

1. Vehicle Type and Model: The make and model of the insured vehicle significantly impact premiums. High-end cars may incur higher premiums due to increased repair and replacement costs.

2. Age of the Vehicle: New car insurance premiums are generally higher than those for older vehicles. Depreciation and increased susceptibility to damage contribute to this pricing distinction.

3. Insured Declared Value (IDV): The IDV, representing the maximum claim amount in case of total loss or theft, directly influences premiums. A higher IDV may result in increased premiums.

4. Policy Coverage: The extent of coverage chosen by the policyholder affects the premium. Comprehensive coverage, including add-ons, often results in higher premiums compared to basic coverage.

5. No Claim Bonus (NCB): Policyholders with a claim-free history enjoy NCB discounts during renewals, reducing their car insurance renewal premiums as a reward for responsible driving.

6. Driver's Age and Experience: Young and inexperienced drivers may face higher premiums due to a perceived higher risk. Conversely, experienced drivers with a clean record may benefit from lower premiums.

Whether seeking new car insurance or considering renewal, staying informed about these variables empowers you to make informed decisions that balance comprehensive coverage with affordability.

Documents Required for Filing a Car Insurance Claim

We, at Liberty General Car Insurance, strive to make the claims process smooth and efficient for our valued policyholders. A car insurance claim is your right as a policyholder to seek reimbursement for expenses arising from unfortunate events involving your insured vehicle.

Whether it is a road accident or any mishap leading to financial liability, Liberty General Insurance ensures a hassle-free and instant claims process, allowing you to focus on getting back on the road.

For a seamless claim settlement experience, it is essential to have the required documents in order. Here is a comprehensive list of documents you will need during the claim settlement process:

1. Duly filled and signed claim form: Ensure all relevant details are accurately provided.

2. Car’s Registration Certificate (RC): Submit a copy of your vehicle's RC for verification.

3. Driver's Licence: Provide a copy of your valid driver's licence.

4. Copy of FIR (if applicable): In case of a legal requirement, include a copy of the First Information Report.

5. Fire Brigade Report (in case of fire): If your claim involves a fire incident, provide the corresponding report.

6. Original receipts/bills of repairs (for reimbursement claims): Include receipts and bills for the repairs conducted.

7. No Trace Report (in case of theft): If your vehicle is stolen, submit the No Trace Report.

8. Subrogation & Power of Attorney (for total loss and theft): Ensure proper documentation for total loss and theft cases.

9.Insurance Policy document: Present a copy of your insurance policy for reference.

10. No Objection Certificate (NOC) from the financer (for total loss and theft): Obtain NOC from the financer, if applicable.

11. Discharge Voucher: Complete the process with the discharge voucher to finalise the claim settlement.

Experience the convenience with our 5,500+ partner garages across India. At Liberty General, we prioritise your peace of mind throughout the claims journey.

Tips to Reduce Car Insurance Premium

At Liberty General, we understand the importance of managing your budget without compromising on coverage. Here are key tips to help you reduce your new car insurance premium:

- Maintain a Clean Driving Record: Safe driving habits contribute to lower premiums.

- Choose Higher Deductibles: Opting for a higher deductible can lead to reduced premium costs.

- Bundle Policies: Consolidate your insurance needs with us for potential multi-policy discounts.

- Install Safety Features: Enhance your vehicle's safety with anti-theft devices and alarms.

- Regularly Review Your Coverage: Adjust your coverage based on your changing needs to ensure you are not over-insured.

How to Choose the Right Car Insurance Policy?

Navigate the car insurance landscape with confidence by considering these key factors:

- Assess Your Needs: Evaluate your driving habits and preferences to match them with the right policy.

- Compare Plans: Explore various insurers to find the best car insurance for you.

- Review Coverage Options: Ensure the policy aligns with your specific requirements.

- Check Claim Process: Opt for insurers with a hassle-free and efficient claims procedure.

- Consider Add-Ons: Customise your coverage with relevant add-ons for comprehensive protection.

If you are looking to buy one of the best car insurance for you in India, make sure to consider these points.

Benefits of Buying Car Insurance Online

Experience the advantages of purchasing car insurance online with these key benefits:

- Convenience: Effortlessly browse and buy policies from the comfort of your home.

- Instant Quotes: Get quick insurance quotes online, facilitating informed decision-making.

- Comparative Analysis: Easily compare various plans to find the best-suited coverage for your needs.

- Cost Savings: Online platforms often offer discounts, resulting in cost-effective insurance solutions.

- Efficient Documentation: Streamlined processes for submitting and processing documentation ensure a hassle-free experience.

Experience the convenience of your car insurance purchase by embracing the benefits of buying car insurance online on Liberty General. Enjoy convenience, savings and a seamless online experience.

How to Buy Car Insurance Online?

Buy car insurance online on Liberty General website with these steps:

- Visit Liberty General Insurance Website: Navigate ‘Motor Insurance’ and click on ‘Car Insurance' page. Click on 'Buy Online'.

- Fill Out the Online Form: Complete the necessary details in the online application form like your name, mobile number and email.

- Review Policy Options: Thoroughly examine policy options, ensuring they align with your coverage requirements.

- Secure Payment: Complete the purchase securely online, acquiring your new car insurance instantly.

Choose the simplicity and convenience you can buy car insurance online on Liberty General Insurance’s Website. Compare plans and buy your new car insurance hassle-free!

Should you Buy/ Renew Car Insurance Online/ Offline

Consider the following factors when deciding between online and offline options for buying or renewing car insurance:

- Convenience: Online processes offer ease with instant quotes and applications.

- Comparative Analysis: Online platforms enable quick comparisons of various plans.

- Cost Savings: Buying or renewing online often comes with exclusive discounts.

- Efficient Renewals: Online car insurance renewal streamlines the process, saving time.

- Paperwork Simplified: Digital transactions reduce paperwork, making the process eco-friendly.

Choose the method that aligns with your preferences, whether it is the ease of online transactions or the personal touch of offline services. Choose wisely when buying or renewing car insurance.

Benefits of Car Insurance Renewal Online

Car insurance renewal online is a seamless and easy process, these are the advantages of online renewal:

- Instant Quotes: Obtain quick and accurate car insurance renewal quotes online.

- Convenience: Renew your policy from the comfort of your home or office, anytime.

- Comparative Analysis: Easily compare different renewal options for the best coverage.

- Paperless Transactions: Embrace eco-friendly processes with minimal paperwork.

- Prompt Renewal: Enjoy the efficiency of instant online renewals, ensuring uninterrupted coverage.

Experience the ease and efficiency of car insurance renewal online. Get instant quotes, compare options and renew your car insurance policy with convenience and peace of mind.

How to Renew Car Insurance Online?

Ensure a hassle-free experience with car insurance policy renewal online:

- Visit Liberty General Insurance Website: Navigate to 'Motor Insurance' to 'Car Insurance' page. Click on 'Renew LGI Policy'.

- Provide Policy Details: Provide your Liberty General car insurance policy details like LGI policy number, mobile number and email.

- Review Policy Options: Explore any updates or additional coverage options available.

- Verify Information: Double-check the entered information to ensure accuracy.

- Secure Online Payment: Complete the renewal process securely, ensuring continued coverage.

Renew your car insurance effortlessly by utilising online platforms. Simplify the process, review policy options and secure your renewed coverage conveniently online.

Call me Back!

I agree to be contacted on my mobile no even if it is registered on NDNC registry. I wish to get policy details on my whatsapp number.(Privacy & Disclaimers)

1. Damages to the insured vehicle.
2. Any third-party liability determined by the law.

Do not wait until it is too late, buy car insurance that aligns with your requirements and drive with confidence. Your vehicle deserves the best and so do you.

Key Features of Car Insurance Offered by Liberty General Insurance

Let us take a look at the benefits of car insurance policy that sets us apart:

Effortless Claims Assistance

We, at Liberty General Insurance, prioritise a hassle-free claims process. With access to inspection and cashless claim services at an extensive network of over 4300 garages, policyholders can experience swift and convenient claim settlements. The commitment to efficiency ensures that your claims are handled promptly, providing a sense of security during unforeseen circumstances.

Seamless Claim Assistance at Any Time

Life is unpredictable and emergencies can happen at any moment. Liberty General Insurance understands this, making us offer seamless claim assistance 24/7. The assurance of settling claims conveniently and promptly ensures that you are never alone in navigating the aftermath of an incident.

Easy Policy Renewal with Added Benefits

Renewing your car insurance policy is easy with Liberty General Insurance. Whether transitioning from another insurance provider or renewing an existing policy, the process is designed for simplicity. Bringing your policy to us opens doors to enhanced services, including the retention of your current no-claim bonus, translating to financial benefits over time.

Additional Protective Covers for Enhanced Security

Recognising that every driver's needs are unique, we allow policyholders to choose from a variety of additional protective covers. This flexibility empowers you to tailor your insurance to match your specific requirements, providing an added layer of security for your peace of mind.

Efficient Telephonic Services for Support

Liberty General Insurance does not just stop at comprehensive coverage. It extends its commitment to service through efficient telephonic support. Accessible from 8:00 AM to 8:00 PM seven days a week, our team stands ready to provide effective claims support and assistance. This ensures that your concerns are addressed promptly and professionally.

1. Effortless Claims Assistance

We, at Liberty General Insurance, prioritise a hassle-free claims process. With access to inspection and cashless claim services at an extensive network of over 4300 garages, policyholders can experience swift and convenient claim settlements. The commitment to efficiency ensures that your claims are handled promptly, providing a sense of security during unforeseen circumstances.

2. Seamless Claim Assistance at Any Time

Life is unpredictable and emergencies can happen at any moment. Liberty General Insurance understands this, making us offer seamless claim assistance 24/7. The assurance of settling claims conveniently and promptly ensures that you are never alone in navigating the aftermath of an incident.

3. Easy Policy Renewal with Added Benefits

Renewing your car insurance policy is easy with Liberty General Insurance. Whether transitioning from another insurance provider or renewing an existing policy, the process is designed for simplicity. Bringing your policy to us opens doors to enhanced services, including the retention of your current no-claim bonus, translating to financial benefits over time.

4. Additional Protective Covers for Enhanced Security

Recognising that every driver's needs are unique, we allow policyholders to choose from a variety of additional protective covers. This flexibility empowers you to tailor your insurance to match your specific requirements, providing an added layer of security for your peace of mind.

5. Efficient Telephonic Services for Support

Liberty General Insurance does not just stop at comprehensive coverage. It extends its commitment to service through efficient telephonic support. Accessible from 8:00 AM to 8:00 PM seven days a week, our team stands ready to provide effective claims support and assistance. This ensures that your concerns are addressed promptly and professionally.

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Why Do You Need Car Insurance?

Here are a few reasons why you should have car insurance:

1. Mandatory by Law

First and foremost, car insurance is a legal requirement in India. Driving a car without third-party insurance is a punishable offence, according to the provisions of the Motor Vehicles Act, 1988 as amended from time to time.
Driving without valid Third party liability insurance is not only risky but also against the law. It serves as a protective measure for you, fellow road users and pedestrians. By sticking to the legal mandate, you can avoid hefty fines, legal consequences and also contribute to a safer road environment for everyone.

2. Pays for 3rd Party Damages/Injuries

Accidents are unpredictable and when they happen, the aftermath can be financially devastating. Car insurance acts as a financial safety net by covering damages and injuries caused to third parties in the event of an accident where you are at fault.
This includes repairing the other person's vehicle, medical expenses and any legal fees that may arise. Without insurance, you would be personally responsible for these costs, potentially leading to financial ruin.

3. Protects You and Your Vehicle

Car insurance helps you cover damages and safeguard you and your vehicle. Comprehensive car insurance policies provide coverage for damages to your car due to accidents, theft, vandalism or natural disasters. Whether it is repairing a dent from a minor collision or replacing a stolen vehicle, having insurance ensures that you won't bear the full financial brunt of unforeseen events.

4. Covers Legal Costs

Legal battles can be both time-consuming and expensive. In the unfortunate event of an accident, disputes and lawsuits may arise. Car insurance provides financial support for third-party legal claims and also covers your legal costs if you need to defend yourself.

5. Provides Financial Support to Family

Car insurance extends its protective reach beyond the driver. In the tragic event of a fatal accident, having a comprehensive car insurance policy with personal accident cover ensures that your family receives financial support. This coverage helps alleviate the financial burden by providing compensation in case of disability or loss of life. It offers peace of mind, knowing that your loved ones will have the necessary support during challenging times.

Points To Consider While Choosing Car Insurance

1. Evaluate Your Coverage Needs

Before exploring the options available, assess your coverage requirements. A comprehensive insurance cover extends beyond the basics and includes protection against a myriad of risks such as accidents, theft, natural disasters and more. Consider factors like your vehicle's age, usage patterns and your budget. Understanding your needs will guide you towards choosing the right level of coverage.

2. Compare Policies and Premiums

The insurance market is flooded with options, each offering different features and premiums. Take the time to compare four-wheeler insurance policies from various providers. Look at the cost and also the coverage provided. Some policies may be priced attractively but could lack essential features. Strike a balance between affordability and the scope of coverage to ensure you get value for your investment.

3. No-Claim Bonus (NCB) Benefits

A track record of safe driving deserves recognition and many insurance policies offer a No-Claim Bonus (NCB). This bonus rewards policyholders for not making any claims during the policy period. When selecting a four-wheeler insurance policy, enquire about the NCB benefits. This can lead to substantial discounts on the premium during renewals, making it a crucial aspect of a long-term insurance strategy.

4. Deductibles and Exclusions

Examine the policy's deductibles and exclusions carefully. Deductibles are the amount you agree to pay out of your pocket before the insurance coverage starts helping with the costs, when required. A higher deductible may lower your premium but increase your financial responsibility in the event of a claim. Additionally, be aware of policy exclusions—situations or events that are not covered. Understanding these aspects will prevent unpleasant surprises when filing a claim.

5. Garage Network

In times of need, access to a network of garages is important. Check if the insurance provider has a widespread network of garages where you can avail of repair services.

6. Claim Settlement Ratio

The claim settlement ratio is a key indicator of an insurance company's reliability. It represents the percentage of claims settled by the insurer against the total claims received. A higher claim settlement ratio implies a smoother and more reliable claims process.

7. Additional Add-Ons

Enhance the coverage of your four-wheeler insurance policy by exploring additional add-ons. These could include coverage for accessories, engine protection, personal accident cover and more. While these add-ons may increase the premium slightly, they can significantly enhance the overall protection provided by your policy.

Types of Car Insurance Policies by Liberty General Insurance

Let us take a look at two primary car insurance policies we offer:

1. Liability Only Policy

- This policy is a mandatory requirement as per Indian law.

- It provides coverage for damages or theft to your vehicle caused by a third party.

- This policy ensures that you comply with legal obligations while safeguarding your interests in case of unfortunate incidents involving third parties.

2. Stand-Alone Own Damage (SOD) Policy

- SOD or OD policy offers coverage for damages to your own vehicle that are not caused by a third party.

- For instance, if your parked car is affected by an unforeseen event such as a tree branch falling on it, the SOD policy will cover the repair or replacement costs.

- This policy is particularly beneficial in situations where the damage is caused by events beyond your control.

3. Comprehensive Car Insurance Policy

- Our Comprehensive Car Insurance Policy is a holistic insurance solution that combines the benefits of the Liability Only Policy and the Stand-Alone Own Damage (SOD) Policy.

- It extends coverage to damages or theft caused by third parties as well as damages to your own vehicle in various scenarios.

- This all-in-one package ensures comprehensive protection for you and your vehicle.

4. Add-On Covers

- At Liberty General, we understand that each vehicle and its owner have unique requirements. That is why we offer Add-On Covers that allow you to customise your insurance policy for specific coverage needs.

- These Add-On Covers are flexible and can be customised to your preferences, providing an extra layer of protection.

- It is important to note that the availability of Add-On Covers may vary based on the age of your vehicle. For detailed information, please consult with your Liberty General Insurance provider.

Third-party Car Insurance vs Comprehensive Car Insurance vs own damages

1. Third-Party Car Insurance Policy

Third-party insurance is the minimum legal requirement for every vehicle owner. It covers liabilities arising from damages or injuries inflicted upon third parties in the case of accidents where you are at fault. While it fulfils legal obligations, it leaves your vehicle unprotected from its own damages.

Opting for a third-party car insurance policy may seem cost-effective initially but the long-term implications of neglecting coverage for your vehicle's damages could outweigh the initial savings.

2. Comprehensive Car Insurance

Comprehensive coverage is the gold standard in car insurance, offering a holistic approach to protection. This policy includes third-party liability coverage and extends to safeguard your vehicle against a myriad of risks. From accidents and theft to natural calamities, comprehensive car insurance provides a comprehensive shield for your prized possession.

With comprehensive coverage, you can rest assured that both third-party liabilities and own damages to your vehicle are covered, offering peace of mind and financial security.

3. Own Damage Insurance

Own damage insurance is a subset of comprehensive coverage that specifically addresses damages to your vehicle. It goes beyond third-party liabilities, encompassing repair or replacement costs for your car in the event of accidents, vandalism or unforeseen circumstances.

This focused approach ensures that your investment is protected, allowing you to navigate unforeseen challenges without bearing the entire financial burden.

While third-party car insurance policies meet legal requirements, choosing comprehensive coverage, including own damage insurance, provides a more robust shield against the uncertainties on the road.

Inclusions

What Does Your 4-Wheeler Insurance Include?

1. Accident due to external impact: Our car insurance policy comprehensively covers damages resulting from accidents caused by external impacts. Whether it is a collision on the road or a mishap in a parking lot, Liberty General has you covered.
2. Natural Calamities: Be it an earthquake, flood, storm, landslide or rockslide, our car insurance policy extends its protective umbrella to shield your vehicle against the unpredictable forces of nature.
3. Loss Due to Burglary or Housebreaking: Liberty General understands the value of your vehicle. In the unfortunate event of a burglary or housebreaking leading to the loss of your car, our insurance policy steps in to ease the financial burden.
4. Fire, Explosion, Self-Ignition, Lightning: Unforeseen events like fire, explosion, self-ignition or lightning causing irreparable damage to your vehicle are included in our coverage, ensuring you are prepared for the unexpected.
5. Malicious Intent: Acts of malicious intent, such as riots, strikes or terrorism, are covered under our comprehensive car insurance policy. Liberty General is committed to providing a safety net against unpredictable circumstances arising from deliberate harm.
6. Accidents in Transit: Your vehicle is protected on the road and also during transit. Whether it is being transported by road, rail, inland waterway or on a lift, our insurance policy safeguards against accidents in transit.

Exclusions

What are the exclusions in a car insurance policy?

1. Wear and Tear, Mechanical or Electrical Breakdown: Routine wear and tear from daily commuting, mechanical or electrical breakdown, failure or breakage are excluded from our car insurance coverage. Regular maintenance and upkeep remain the responsibility of the policyholder.
2. Driving with an Invalid Licence: Damages incurred while the driver holds an invalid license or operates the vehicle under the influence of alcohol/drugs are not covered. Responsible driving is essential to ensure the validity of your car insurance policy.
3. Depreciation-Related Loss: Losses resulting from the natural depreciation of your car's value over time are not covered. It is essential to keep in mind that insurance primarily addresses unforeseen incidents rather than expected value changes.
4. Claims Arising from Contractual Liability: Claims resulting from contractual liabilities are excluded from our coverage. The policy focuses on protecting against unforeseen accidents and damages rather than legal obligations outside the policy terms.
5. War, Civil War, Mutiny, Nuclear Perils, etc.: Loss or damage to your car due to war, civil war, mutiny, nuclear perils and similar events fall under exclusions. Such scenarios are beyond the scope of a car insurance policy.
6. Tyre and Tube Damage (Except During Accidents): Damage to tyres and tubes is excluded unless it occurs during an accident. Regular wear and tear of these components is not covered.
7. Usage Limitations: Driving under conditions other than those specified as 'limitations of use,' such as using a private car as a cab, is not covered under our policy.
8. Loss/ Damage Outside India: Loss or damage to your vehicle occurring outside the geographical boundaries of India is not covered.

Additional Covers

Additional Covers from Liberty General:

When you buy car insurance, you can also opt for add-on covers based on your needs. Let's take a look:

a) Depreciation Cover

Conditions Under Which You Can Claim this Cover:

You have to repair the insured vehicle at any of Liberty General's authorised garages.

Exclusions Under this Cover:

You cannot claim repairs at any of our authorised garages.

b) Consumables Cover

Special conditions applicable:

1. If a claim has to become payable under this add-on, it should be permissible under the "Own Damage Section" of your 4-wheeler insurance policy.
2. You have to support all these relevant costs with original bills or invoices. These documents have to be only from authorised garages of Liberty General Insurance.
3. You have to carry out these repairs within three (3) days from the date of loss.

Exclusions Under this Cover:

1. Expenses under this add-on in the event of a total or constructive loss
2. Labour charges and service taxes of repairs of these consumables
3. Repairs or labour bills from local garages against insured items.

c) Gap Value Cover

Under this cover, you can claim the difference between what you receive under the 'Own Damage Section' and the price on your purchase invoice.

It also covers road tax and first-time registration charges if you specifically declare them and pay an additional premium.

Liberty General's maximum liability is limited to the sum insured mentioned in the policy schedule.

Special Conditions of this benefit

1. The vehicle is not more than three years old on the start date of the policy.
2. The Total or Constructive Total Loss (CTL) or total theft of the vehicle should be admissible under the 'Own Damage Section' of the policy.
3. The insured should be the first registered owner of the vehicle.
4. The insured vehicle should be manufactured in India.

Exclusions

1. It covers only first-registered-owner vehicles
2. It does not cover imported cars.

d) Roadside Assistance Cover

1. Assistance in relocating the broken-down vehicle to the nearest network garage
2. Repair services for minor breakdowns
3. Assistance in case you are locked out or have lost your car keys
4. Assistance in changing a flat tyre
5. Arranging emergency fuel in case the vehicle runs out of of it
6. Assistance in providing alternative transport to the nearest safe location for you and your passengers.

Special conditions

Exclusions Under this Cover:

1. Any roadside assistance sought from a vendor unauthorised by Liberty General
2. Any expenses toward part replacements or fuel costs.

e) Passenger Assistance Cover

This is a comprehensive cover for the safety of people travelling with you in your car. The expenses include:

Hospital Allowance
Medical Expenses
Medical Transport Assistance

Special Conditions applicable to this Medical Expenses Coverage:

Liberty General will cover medical expenses for treatment taken from only registered medical practitioners. These practitioners must have registrations from their respective medical councils.

f) Key Loss Cover

If you extra premium as mentioned in your car policy schedule, you can get this coverage subject to terms, conditions, exclusions and limitations. You can get reimbursement for these expenses:

1. The cost of replacing your car keys in case you have lost, broken or damaged them.
2. The cost of replacing keys if your vehicle is damaged during a break-in and you lose your keys. Or if the security of your car is threatened.

Special Condition for Not Using this Cover

Special Condition for Not Using this Cover: It is vital to provide a police report confirming the incident details that occurred during the mentioned policy.

g) Engine Safe Cover

1. If your engine gets filled with water
2. If your car is leaking lubricant or oil from the engine due to accidental damages.

Special Conditions:You can claim for repairs under water ingression only after you provide sufficient evidence of the vehicle being submerged or having stopped in a waterlogged area.

The vehicle is taken to the garage within 24 hours after water levels recede in the waterlogged area. You have to inform Liberty General of reduced water levels within three days.

Special Exclusions Under this Cover:Any loss or damage covered under the manufacturer's warranty or part of manufacturer's recall.

Any loss or damage to the engine or gearbox due to delayed intimation to Liberty General or delay in retrieving the insured vehicle from a waterlogged area.

Factors Affecting Car Insurance Premium

1. Vehicle Type and Model: The make and model of the insured vehicle significantly impact premiums. High-end cars may incur higher premiums due to increased repair and replacement costs.

2. Age of the Vehicle: New car insurance premiums are generally higher than those for older vehicles. Depreciation and increased susceptibility to damage contribute to this pricing distinction.

3. Insured Declared Value (IDV): The IDV, representing the maximum claim amount in case of total loss or theft, directly influences premiums. A higher IDV may result in increased premiums.

4. Policy Coverage: The extent of coverage chosen by the policyholder affects the premium. Comprehensive coverage, including add-ons, often results in higher premiums compared to basic coverage.

5. No Claim Bonus (NCB): Policyholders with a claim-free history enjoy NCB discounts during renewals, reducing their car insurance renewal premiums as a reward for responsible driving.

6. Driver's Age and Experience: Young and inexperienced drivers may face higher premiums due to a perceived higher risk. Conversely, experienced drivers with a clean record may benefit from lower premiums.

Whether seeking new car insurance or considering renewal, staying informed about these variables empowers you to make informed decisions that balance comprehensive coverage with affordability.

Documents Required for Filing a Car Insurance Claim

For a seamless claim settlement experience, it is essential to have the required documents in order. Here is a comprehensive list of documents you will need during the claim settlement process:

1. Duly filled and signed claim form: Ensure all relevant details are accurately provided.

2. Car’s Registration Certificate (RC): Submit a copy of your vehicle's RC for verification.

3. Driver's Licence: Provide a copy of your valid driver's licence.

4. Copy of FIR (if applicable): In case of a legal requirement, include a copy of the First Information Report.

5. Fire Brigade Report (in case of fire): If your claim involves a fire incident, provide the corresponding report.

6. Original receipts/bills of repairs (for reimbursement claims): Include receipts and bills for the repairs conducted.

7. No Trace Report (in case of theft): If your vehicle is stolen, submit the No Trace Report.

8. Subrogation & Power of Attorney (for total loss and theft): Ensure proper documentation for total loss and theft cases.

9.Insurance Policy document: Present a copy of your insurance policy for reference.

10. No Objection Certificate (NOC) from the financer (for total loss and theft): Obtain NOC from the financer, if applicable.

11. Discharge Voucher: Complete the process with the discharge voucher to finalise the claim settlement.

Experience the convenience with our 5,500+ partner garages across India. At Liberty General, we prioritise your peace of mind throughout the claims journey.

Tips to Reduce Car Insurance Premium

At Liberty General, we understand the importance of managing your budget without compromising on coverage. Here are key tips to help you reduce your new car insurance premium:

- Maintain a Clean Driving Record: Safe driving habits contribute to lower premiums.

- Choose Higher Deductibles: Opting for a higher deductible can lead to reduced premium costs.

- Bundle Policies: Consolidate your insurance needs with us for potential multi-policy discounts.

- Install Safety Features: Enhance your vehicle's safety with anti-theft devices and alarms.

- Regularly Review Your Coverage: Adjust your coverage based on your changing needs to ensure you are not over-insured.

How to Choose the Right Car Insurance Policy?

Navigate the car insurance landscape with confidence by considering these key factors:

- Assess Your Needs: Evaluate your driving habits and preferences to match them with the right policy.

- Compare Plans: Explore various insurers to find the best car insurance for you.

- Review Coverage Options: Ensure the policy aligns with your specific requirements.

- Check Claim Process: Opt for insurers with a hassle-free and efficient claims procedure.

- Consider Add-Ons: Customise your coverage with relevant add-ons for comprehensive protection.

If you are looking to buy one of the best car insurance for you in India, make sure to consider these points.

Benefits of Buying Car Insurance Online

Experience the advantages of purchasing car insurance online with these key benefits:

- Convenience: Effortlessly browse and buy policies from the comfort of your home.

- Instant Quotes: Get quick insurance quotes online, facilitating informed decision-making.

- Comparative Analysis: Easily compare various plans to find the best-suited coverage for your needs.

- Cost Savings: Online platforms often offer discounts, resulting in cost-effective insurance solutions.

- Efficient Documentation: Streamlined processes for submitting and processing documentation ensure a hassle-free experience.

Experience the convenience of your car insurance purchase by embracing the benefits of buying car insurance online on Liberty General. Enjoy convenience, savings and a seamless online experience.

How to Buy Car Insurance Online?

Buy car insurance online on Liberty General website with these steps:

- Visit Liberty General Insurance Website: Navigate ‘Motor Insurance’ and click on ‘Car Insurance' page. Click on 'Buy Online'.

- Fill Out the Online Form: Complete the necessary details in the online application form like your name, mobile number and email.

- Review Policy Options: Thoroughly examine policy options, ensuring they align with your coverage requirements.

- Secure Payment: Complete the purchase securely online, acquiring your new car insurance instantly.

Choose the simplicity and convenience you can buy car insurance online on Liberty General Insurance’s Website. Compare plans and buy your new car insurance hassle-free!

Should you Buy/ Renew Car Insurance Online/ Offline

Consider the following factors when deciding between online and offline options for buying or renewing car insurance:

- Convenience: Online processes offer ease with instant quotes and applications.

- Comparative Analysis: Online platforms enable quick comparisons of various plans.

- Cost Savings: Buying or renewing online often comes with exclusive discounts.

- Efficient Renewals: Online car insurance renewal streamlines the process, saving time.

- Paperwork Simplified: Digital transactions reduce paperwork, making the process eco-friendly.

Choose the method that aligns with your preferences, whether it is the ease of online transactions or the personal touch of offline services. Choose wisely when buying or renewing car insurance.

Benefits of Car Insurance Renewal Online

Car insurance renewal online is a seamless and easy process, these are the advantages of online renewal:

- Instant Quotes: Obtain quick and accurate car insurance renewal quotes online.

- Convenience: Renew your policy from the comfort of your home or office, anytime.

- Comparative Analysis: Easily compare different renewal options for the best coverage.

- Paperless Transactions: Embrace eco-friendly processes with minimal paperwork.

- Prompt Renewal: Enjoy the efficiency of instant online renewals, ensuring uninterrupted coverage.

Experience the ease and efficiency of car insurance renewal online. Get instant quotes, compare options and renew your car insurance policy with convenience and peace of mind.

How to Renew Car Insurance Online?

Ensure a hassle-free experience with car insurance policy renewal online:

- Visit Liberty General Insurance Website: Navigate to 'Motor Insurance' to 'Car Insurance' page. Click on 'Renew LGI Policy'.

- Provide Policy Details: Provide your Liberty General car insurance policy details like LGI policy number, mobile number and email.

- Review Policy Options: Explore any updates or additional coverage options available.

- Verify Information: Double-check the entered information to ensure accuracy.

- Secure Online Payment: Complete the renewal process securely, ensuring continued coverage.

Renew your car insurance effortlessly by utilising online platforms. Simplify the process, review policy options and secure your renewed coverage conveniently online.

Car Insurance FAQs

General
Policy-Related
Glossary

General

Q1. Is it mandatory to have car insurance in India?

Answer. Yes, motor insurance is mandatory in India. You have to have at least a third-party car insurance policy in India. It is a statutory requirement as per the Motor Vehicles Act, 1988.

Q2. What is car insurance?

Answer. It is an insurance policy that protects cars against damage or loss resulting from an accident, theft or any other third-party liability. You can buy car insurance online or by visiting a Liberty General Insurance branch.

Q3. What are the types of car insurance policies?

Answer. At Liberty General, there are two types of car insurance:

'Liability Only' or Third-Party Car Insurance

Third-party insurance is essential and mandatory for every car on the road. It only covers loss or damage suffered by a third party in case of an accident in an insured vehicle. A 'Liability Only' policy does not cover any loss or damage to the insured vehicle or the insured.

Comprehensive Car Insurance

This policy Includes loss or damage to the insured as well as the third-party, in case of theft or accident.

Q4. When do you buy a commercial car insurance policy?

Answer. A commercial car insurance policy is required if you use or operate a commercial vehicle up to 3500 GVW. For example, a black and yellow taxi.

Q5. Is it required to renew four-wheeler insurance every year?

Answer. Yes. Insurers generally offer car insurance policies for 12 months. So you will have to renew your car insurance every year. If you like, you can buy car insurance online. In this way, you can get benefits like better premiums, minimal paperwork, and much more.

Q6. When I buy a new car insurance policy, do I purchase a third party or comprehensive car insurance?

Answer. Third-party car insurance is mandatory in India. But you should buy a policy according to your requirements. As the Liability Only policy covers third-party liability exclusively, you will not be able to claim any damage to your vehicle. Hence, it is advisable to buy a comprehensive cover as it protects you and your car against accidental damages or losses.

Q7. What are the factors that affect the premiums on a car policy?

Answer. These factors can affect your car insurance policy premium:

a) Insured's Declared Value (IDV) of the vehicle
b) Cubic capacity of the vehicle
c) Geographical zones (city of registration of the vehicle). Your premium will vary according to your location, which means that car insurance in Delhi will be different from one in Mumbai, Chennai or Bangalore.
d) Age of the car
e) Claim history of your car
f) Selection of voluntary deductibles in the 4-wheeler insurance policy.

Q8.What is an Insured Declared Value (IDV) in a car insurance policy?

Answer. An Insured Declared Value or an IDV (of the sum insured under your car policy) reflects the value of your car. This value is determined based on the manufacturer's listed selling price and depreciation based on your car's age. The IDV is fixed at the start of each policy period for each insured vehicle. The IDV applies to Total or Constructive Total Loss (TL/CTL) claims only. For TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question. The insurer's liability shall in no circumstance exceed the IDV as specified in the policy schedule less the value of the wreck & excess.

The IDV depreciates with age, which means car insurance prices for a new car will be higher than an old car.

Q9. What is a No-Claim Bonus or NCB in four wheeler insurance?

Answer. No-claim bonus (NCB) is a discount in OD premium offered by vehicle insurance companies on car insurance. This bonus applies only if an Insured has not made a single claim during the term of the car policy. The NCB slab is set at (GR 27). You are entitled to an NCB only at the time of policy renewal. Moreover, this bonus applies only to new car insurance policies, and each policy tenure is 12 months.

You can transfer a No Claim Bonus on another new car insurance policy subject to you having an NCB Reserving Letter.

You are ineligible for an NCB in these two situations:

1. In case there is a break of more than 90 days between policy renewals.
2. In case the ownership of the vehicle and its insurance is transferred to you.

Q10. What happens to the NCB of my car insurance if I switch my insurance company?

Answer. The next slab of an NCB will be allowed in the new car policy of your new insurer. This is subject to a no-ownership transfer, no claim in the previous policy and the previous policy has to have been active for the entire tenure of 12 Months (365 days). You can compare quotes and the benefits of purchasing the best car insurance policy in India with the advantage of NCB.

Q11. Why use a car insurance calculator before buying?

Answer. Using a car insurance calculator, you can calculate the estimated premium for your car insurance online. Just enter your requirements in the online calculator to get instant insurance quotes. Doing this will help you get your hands on the best car insurance in India.

Q12. Why purchase car insurance online?

Answer. It is beneficial to buy a car policy online in India, as there are various policies from which to choose. You can make more informed decisions. When you buy any car policy online, research thoroughly and then decide. Buying online also helps you save time and money. You can also get more benefits.

Q13. Which insurance policy is best for cars?

Answer. The best car insurance policy in India depends on individual preferences and needs. Comprehensive coverage, offered by reputable insurers like Liberty General, is popular for its extensive protection against accidents, theft and natural disasters. Comparing policies for features, premiums and customer service can help identify the most suitable option.

Q14. What type of car insurance is cheapest?

Answer. In India, third-party car insurance is generally the cheapest option. It provides basic coverage mandated by law, protecting against damages to third-party property or injury. However, opting for comprehensive coverage offers broader protection, though it may be relatively more expensive, considering the additional features and benefits it encompasses.

Q15. What is full insurance for a vehicle?

Answer. Full insurance for a vehicle typically refers to comprehensive car insurance. This coverage goes beyond the mandatory third-party protection, offering extensive safeguards. It covers damages to your vehicle from accidents, theft, natural calamities and provides personal accident coverage. Policyholders often appreciate its comprehensive nature for complete peace of mind.

Q16. How do I get a car policy?

Answer. Getting a car policy is easy. Compare options online, like Liberty General Insurance website, a trusted provider. Visit our website, enter your details, choose coverage and proceed to payment. Alternatively, contact our customer service for personalised assistance.

Q17. How much insurance is required for a car?

Answer. The insurance required for a car in India includes at least third-party coverage, as mandated by law. However, opting for comprehensive insurance is recommended for broader protection against accidents, theft and natural disasters. The coverage amount can vary but it is advisable to choose a policy that suits your vehicle's value and your financial considerations.

Q18. Which private car insurance is best?

Answer. Determining the best private car insurance in India involves assessing individual needs. Liberty General Insurance stands out as a trusted provider, offering comprehensive coverage, competitive premiums and excellent customer service. Consider comparing policies to ensure they align with your specific requirements for optimal protection and peace of mind.

Q19. What are cashless claims?

Answer. Cashless claims in insurance allow policyholders to get repairs or medical treatments without paying upfront. With a network of affiliated service providers, the insurer directly settles the bill. This hassle-free process simplifies and expedites the claim settlement, enhancing convenience for the insured during vehicle repairs or medical emergencies.

Q20. What does zero depreciation mean in car insurance?

Answer. Zero depreciation in car insurance means that the policy covers the entire cost of repairing or replacing damaged car parts, without factoring in depreciation. This comprehensive coverage ensures the policyholder receives the full value of the replaced parts, providing more financial protection in case of an accident.

Q21. What is No Claim Bonus (NCB)?

Answer. No Claim Bonus (NCB) is a reward offered by insurers for policyholders who have not made any claims during the policy term. It results in a premium discount upon policy renewal, encouraging safe driving and responsible behaviour. The discount progressively increases with each claim-free year, leading to substantial savings.

Policy-Related

Q1. Can I buy Liberty General's car insurance online?

Answer. Yes, you can buy LGI car insurance online. Whether you want to buy new car insurance online or renew it, both options are available on the LGI website.

Q2. What are the types of car policies offered by LGI??

Answer. Liberty General offers two types of car insurance- a Package Policy and a Third Party Liability Policy.

Q3. What are the add-ons available at Liberty General?

Answer. Liberty General's car insurance policies are among the best in India, and they offer maximum coverage through 7 add-on covers:

1.Depreciation Cover
2.Consumable Cover
3.GAP value cover
4.Passenger-Assist Cover
5.Roadside-Assistance cover
6.Key-loss cover
7.Engine-safe covers

Q4. Are electrical and non-electrical accessories covered?

Answer. All electrical and non-electrical accessories will be covered under LGI's car policies as follows:

Electrical accessories

Electrical accessories which aren't factory-fitted will be covered under the insurance policy on payment of additional premium.

Non-electrical accessories

Any non-electrical equipment which is not factory-fitted will be covered under non-electrical accessories at an additional premium.

Q5. What coverage is offered for third-party liability under a Liberty General car policy?

Answer. Liberty General's car insurance coverage for third-party damages includes:

1. Permanent injury or death caused by the insured vehicle
2. Damage to any property (excluding the vehicle) due to the insured vehicle.

Q6. How many network garages are there under Liberty General's network?

Answer. With Liberty General car insurance, you can get cashless claim services at 4300 network garages.

Q7. How do I register a car insurance claim with Liberty General?

Answer. You can register your claim in the following ways-

1. Call us on 1800 266 5844
2. Register on car insurance claims online on our website.

Q8. How can I pay for car insurance online?

Answer. There are multiple online payment options, e.g. credit card, net banking, debit card, etc.

Q9. Does Liberty General's car insurance come with a personal accident cover?

Answer. Yes. Liberty General offers personal accident cover to the owner/driver. However, you can also purchase an add-on personal accident cover for your passengers by paying extra premium.

Q10. Does Liberty General only offer 4-wheeler insurance online?

Answer. You can buy car insurance online through our website or visit a branch nearest to you. You can locate a branch nearest to you by using the 'Branch Locator' option on our website. However, buying four-wheeler insurance online is a better option as you get a policy instantly with minimal paperwork, and you get better benefits as well.

Glossary

Car Insurance Glossary (A)

Accident: Any event that is not planned and causes damage, injury or death.
Actual Cash Value – It is the market value of a vehicle that is paid in case of total loss or damage to a vehicle.
Accidental Death and Dismemberment: It is an insurance benefit or rider which pays a stated amount in the event of death and dismemberment caused by accident.
Accident Frequency: The number of accidents that occur in a given time.

Car Insurance Glossary (B)

Bodily Injury: Any injury, sickness, disease or death that is the result of an accident.

Car Insurance Glossary (C)

Car Insurance: An insurance policy which is specifically designed for a four-wheeler and provides reimbursement for third-party and own damage expenses.
Car Insurance Calculator: A tool that can be used to estimate your online car policy premium.
Cancellation: Termination of an insurance contract by the insurer or insured before the renewal date of 4-wheeler insurance.
Claim: If your vehicle suffers damage due to an accident or due to any natural disaster, you can file for a claim.
Claim amount: It is the amount of money the insurance company agrees to pay for the accidental damages as per the terms and conditions of an online car policy.
Coverage: It is the protection or benefits of a motor vehicle insurance policy.
Comprehensive Coverage: A comprehensive car insurance policy pays for physical damage or loss of your vehicle due to natural calamities, vandalism, fire, and theft, and also covers third-party loss and damages.
Collision Coverage: It covers repair or replacement of your car in case of a collision, which happens due to no one else's fault but yours.
Car Insurance Quotes: It is an estimate of premium for the insurance coverage you select based upon the information you enter into the car insurance calculator.

Car Insurance Glossary (D)

Deductible: It is the amount of the loss that has to be paid by the insured before the insurance company pays for the claim. The deductible amount is fixed at the time you buy car insurance.
Depreciation: The percentage loss in value of the vehicle due to age, and wear and tear. As the age of the vehicle increases, the depreciation rate increases, and the amount offered by the insurer in the event of a car insurance policy claim goes down.

Car Insurance Glossary (E)

Exclusions: These are all the perils or risks that are not covered under the terms of an insurance policy. For example, a car policy does not offer cover for everyday wear and tear, accidents that occur due to driving under the influence of alcohol or drugs, etc.

Car Insurance Glossary (I)

Inclusion: These are all the perils or risks that are covered under the terms of an insurance policy—for example, accidents due to external means, third-party liabilities, etc.
Insured: The person who is covered under an insurance policy is the insured or the policyholder.
Insurer: It is the insurance company which provides insurance coverage to the insured upon payment of premium.
Insurance Policy: A formal contract between an insurer and insured which describes complete policy terms and conditions including, coverage, exclusions, premiums and deductibles, etc.
Insured Declared Value (IDV): IDV of the vehicle is the value of the vehicle after deducting for depreciation. In other words, it is the current market value of the vehicle. IDV is the amount which is paid by the insurer on theft or total loss of a vehicle and is agreed upon by the insurer and the insured. IDV of a vehicle reduces with age, and the premium is calculated based on it.

Car Insurance Glossary (L)

Lapse: Termination of a policy due to non-payment of premiums.
Limit: The maximum amount of insurance protection that is offered in a policy term.

Car Insurance Glossary (N)

Network garage: The garages which come under the network of your insurance provider. The best online car insurance provider would be one who has a wide range of network garages.
No Claim Bonus (NCB): NCB is offered on policy renewals when the insured does not claim during the policy period. Insurers offer NCB as a discount on the Own Damage Premium.

Car Insurance Glossary (O)

Own Damage Premium (OD): In case of an accident, own damage coverage pays the expenses incurred on insured's vehicle due to repair or replacement of damaged parts due to a road accident, theft or damage of your car due to fire, earthquake, etc.
Online car insurance: This is any car insurance policy that you can purchase online. Buy four-wheeler insurance online to save on money and time, and also get additional benefits.

Car Insurance Glossary (P)

Personal Accident Cover: It covers the insured against accidental death and permanent total disability. Personal accident rider can also be purchased to cover passengers of the car.
Policy Period: It is the time during which an insurance policy is in force and provides coverage to the insured.
Policy Schedule: The insurance contract which includes the details of an insurance policy. It includes the period of insurance, the car details and other related information about the policy.
Premium: The amount paid by the insured to the insurer to get covered as per the terms and conditions of the policy.

Car Insurance Glossary (R)

Rider: A written agreement attached to the policy which enhances the benefits otherwise payable under the policy.

Car Insurance Glossary (S)

Surveyor: A person nominated by the insurance company for examination and settlement of insurance claims.

Car Insurance Glossary (T)

Third-Party: In an insurance contract, the third party is anyone other than the policyholder covered under the insurance policy. The insured or policyholder is the first party, the insurance company is the second party, and anyone else is a third party in the contract.

Car Insurance

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Key Features of Car Insurance Offered by Liberty General Insurance

Effortless Claims Assistance

Seamless Claim Assistance at Any Time

Easy Policy Renewal with Added Benefits

Additional Protective Covers for Enhanced Security

Efficient Telephonic Services for Support

Why Do You Need Car Insurance?

1. Mandatory by Law

2. Pays for 3rd Party Damages/Injuries

3. Protects You and Your Vehicle

4. Covers Legal Costs

5. Provides Financial Support to Family

Points To Consider While Choosing Car Insurance

1. Evaluate Your Coverage Needs

2. Compare Policies and Premiums

3. No-Claim Bonus (NCB) Benefits

4. Deductibles and Exclusions

5. Garage Network

6. Claim Settlement Ratio

7. Additional Add-Ons

Types of Car Insurance Policies by Liberty General Insurance

1. Liability Only Policy

2. Stand-Alone Own Damage (SOD) Policy

3. Comprehensive Car Insurance Policy

4. Add-On Covers

Third-party Car Insurance vs Comprehensive Car Insurance vs own damages

1. Third-Party Car Insurance Policy

2. Comprehensive Car Insurance

3. Own Damage Insurance

Inclusions and Exclusions

Inclusions

Exclusions

Additional Covers

Factors Affecting Car Insurance Premium

Documents Required for Filing a Car Insurance Claim

Tips to Reduce Car Insurance Premium

How to Choose the Right Car Insurance Policy?

Benefits of Buying Car Insurance Online

How to Buy Car Insurance Online?

Should you Buy/ Renew Car Insurance Online/ Offline

Benefits of Car Insurance Renewal Online

How to Renew Car Insurance Online?

Call me Back!

Key Features of Car Insurance Offered by Liberty General Insurance

Effortless Claims Assistance

Seamless Claim Assistance at Any Time

Easy Policy Renewal with Added Benefits

Additional Protective Covers for Enhanced Security

Efficient Telephonic Services for Support

1. Effortless Claims Assistance

2. Seamless Claim Assistance at Any Time

3. Easy Policy Renewal with Added Benefits

4. Additional Protective Covers for Enhanced Security

5. Efficient Telephonic Services for Support

Call me Back!

Why Do You Need Car Insurance?

1. Mandatory by Law

2. Pays for 3rd Party Damages/Injuries

3. Protects You and Your Vehicle

4. Covers Legal Costs

5. Provides Financial Support to Family

Points To Consider While Choosing Car Insurance

1. Evaluate Your Coverage Needs

2. Compare Policies and Premiums

3. No-Claim Bonus (NCB) Benefits

4. Deductibles and Exclusions

5. Garage Network

6. Claim Settlement Ratio

7. Additional Add-Ons

Types of Car Insurance Policies by Liberty General Insurance

1. Liability Only Policy

2. Stand-Alone Own Damage (SOD) Policy

3. Comprehensive Car Insurance Policy

4. Add-On Covers

Third-party Car Insurance vs Comprehensive Car Insurance vs own damages

1. Third-Party Car Insurance Policy

2. Comprehensive Car Insurance

3. Own Damage Insurance

Q1. Is it mandatory to have car insurance in India?