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Commercial Claims

Claim Process

An unforeseen crisis can occur anytime and such situations demand efficient and timely assistance. The claims procedure is an important aspect of the insurance process. At Liberty General Insurance, it is our endeav​our to be fair and transparent when it comes to claims. We will inform and give instruct you on how to handle claims arising out of Commercial Insurance Policy.​

How do I go about claiming my loss?

Here are some of the immediate steps you must take in the event of a claim:

  • Lodge a claim with LGI without delay:
    • Call us at our Toll Free Number 1800 266 5844 (between 8:00am to 8:00pm, 7 days of the week)
    • Visit ou​r nearest branch office
    • Mail us on care@libertyinsurance.in
    • Send a written intimation letter to our registered office or the applicable branch office by post or courier. You can access our list of branch​ addresses​ by clicking here
  • Take all reasonable precautions to prevent/reduce further loss, damage or liability and follow the instructions of LGI
  • Preserve unchanged any damaged or defective property or parts for inspection by the surveyor appointed by LGI unless:
    • Immediate action is required for safety or the continuation of work,
    • The insurer dispenses with inspection​
  • Take photos of the damage/loss, prior to repair.
  • Kindly hold liable in writing any third parties believed to have caused the loss/damage
  • Notify the local police authority in case of theft and fire

W​hat information should I provide while registering a claim?

The notification must include the following:

  • Policy number
  • Date and time of loss
  • Location of loss
  • Contact person on site (name, e-mail, phone no.)
  • Occurrence of damage
  • Details of damaged items
  • Probable cause
  • Any damage to third party property
  • Details/reports of the loss to any other authorities, if any (police/fire brigade, etc)
  • Estimated loss amount

When registered, a claim number will be allotted by us and it must be mentioned in all future correspondence. Also we will appoint a surveyor who will contact the loss site office.

What does a surveyor do?

The surveyor will visit the loss site for survey and collects the ​documents/information pertaining to the loss. The site officer shall make a report for losses/damages and about the scheduled repairs and estimate of costs. Photos taken following damage must be handed over to the surveyor along with the documents as requested by the surveyor.

What are the actions taken following a survey?​

  • The surveyor will prepare a preliminary loss report and submit it to us.
  • The surveyor will issue a letter to insured requesting for the claim documents, such as
    • Claim Form duly filled in and signed or insured’s report on occurrence of loss
    • Inventory of Loss
    • Book​s of Accounts
    • Supplier’s invoices, bills, receipts, etc. to support values and indicate terms of sale
    • Daily log of work carried out showing individual/labour hours worked, equipment used and purpose
    • Individual worksheets for labour and equipment to substantiate the claim
    • Copy of original agreement along with supplementary agreements
    • Photographs if arranged
    • Manufacturer’s report detailing extent of loss, cause and suggested repair procedure
    • First Information Report/Police Investigation Report/Fire Brigade Report, wherever required
    • Discharge voucher
    • Letter of Subrogation and Special Power of Attorney
    • Any other information and documentation not detailed above relevant to the occurred loss/damage

What are the follow up actions?

  • The surveyor may visits the site a second time to inspect the repairs undertaken or seek clarification on the supporting documents. He may also discuss the settlement amount and take the insured’s consent on the same.
  • If the documents are not complete, the surveyor or LGI will send reminder letters to the insured.
  • Despite several reminders, if the insured is unable to comply with the documents/ information called for, LGI may issue a closure letter to the insured.
  • In case of total loss or constructive total loss, the surveyor may facilitate disposal of salvage.

What are the loss settlement actions?

  • Processing of claims will be in accordance with the policy terms, exclusions, provisions and conditions or endorsed thereon.
  • LGI will settle claims, after being satisfied by the submitted survey report, bills and documents, which prove that the claim falls within the ambit of the policy.
  • If any recovery rights are protected, ‘Letter of Subrogation and Power of Attorney’ will be obtained from the ​insured.

For more information, you may please ​contact the below mentioned commercial claim team members: Mr. Sunny Raina (Sunny.Raina@libertyinsurance.in)​ Or Mr. Mahendra Mandloi (mahendra.mandloi@libertyinsurance.in​)

Disclaimer:​

To know more about the policy terms & c​onditions, please click here​. Please note that the requirements listed are only indicative and not exhaustive and that the Company may require additional information/documentation/proof to be furnished, depending on the circumstances of each case. The above comments do not represent settlement instructions and are not meant to discourage any individual or organisation from filing a claim.

The Heritage

Liberty General Insurance comes with a strong foundation and legacy of the Fortune 100, US-based giant Liberty Mutual Insurance. With over 45,00...

The Milieu

At Liberty General Insurance, we are keen on fostering passionate spirits who are willing to go beyond the conventional work roles. Our people are empowered...

Garage Locator

Customer Reviews

4.67

Average Rating

Based on 17031 Ratings

  • 5 Star

    12508

  • 4 Star

    3719

  • 3 Star

    600

  • 2 Star

    103

  • 1 Star

    101

  • Priyanka Popat

    Mumbai

    Thanks Mr. Kaushal and Mr. Rajesh Portability for Mr. Rohit's son is accepted by Health Insurance Underwriting Team. This is a lovely example of ''OUT OF THE BOX'' thinking at LGI as Dr. Liji has physically examined the boy after discussing the matter with Dr. Asha and Hemlata madam instead of compelling him to go for X-Ray/MRI.​​ Parents of the boy appreciated the way proposal was tackled as parents and the consulting doctor were not of the opinion of taking X-Ray/MRI of the young boy, as he was fit post hospitalization. Thanks to Underwriting Team for thinking differently.​

View all Reviews

Document List

What documents should I provide while registering a claim?

Here are a few basic documents we’ll need to get your claims registration started:

claim-registering
  • Motor Insurance Policy number
  • Insured’s name and contact details
  • Complete address of place where loss/damage took place
  • Complete address of place where damaged vehicle is available for inspection Registration number of the vehicle
  • Name of the person who was driving the vehicle at the time of damage OR in case of loss, name of the person in whose custody the vehicle was
  • Name, contact number and relationship of the caller with the insured customer
  • Brief description of the nature of loss/physical injuries, if any
  • Estimated total loss

What are the documents required for processing​ a motor insurance claim?

Following is the list of ’Indicative Documents’ which you may require while processing of a claim:

  • Documents Required
  • Accident
  • Theft

  • Claim Form duly filled and signed by Insured

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  • Copy of Registration Certificate (RC) with the original for verification (in case of Total Theft, original RC needs to be surrendered)

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  • Copy of driving license with the original for verification

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  • Police First Information Report (where applicable)

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  • Fire Brigade Report (in case of fire)

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  • Original repair/replacement bills (in case of reimbursement claim)

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  • Photographs of the damaged vehicle

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  • Entire set of vehicle keys

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  • Final Report – No Trace Report for lost vehicle from the police

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  • Subrogation & Power of Attorney in case of total loss and theft

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  • Indemnity Bond

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  • NOC from financer in case of total loss and t​heft

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  • Discharge Voucher

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Please Note that the above list is only indicative; we or our surveyors may call for any additional
documents/ information depending upon the nature and type of loss.

Have Us Call You

Please provide your details & we will get back shortly.

Customer Reviews

4.67

Average Rating

Based on 17031 Ratings

  • 5 Star

    12508

  • 4 Star

    3719

  • 3 Star

    600

  • 2 Star

    103

  • 1 Star

    101

  • N. Rama Mohan Rao

    Feb 09, 2014

    Thank you very much for your prompt service, While taking insurance from your company, some people told that, if I take insurance from other than car dealer, I have to face problem (Like visit to dealer and insura​nce company surveyor and office, no cashless facility etc) while claim comes, you have pro ven that all th ose words are wrong and we can take from other than dealer also, I would like to express my please for your service .

View all Reviews

FAQ's

How should I lodge a motor insurance claim?

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What basic information is required to register a claim?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What are the documents required for processing a claim?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Do you have direct settlement facility for motor claims?

icon icon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How do I receive the claim amount if the vehicle is repaired by a garage not covered in your network?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What is the difference between cashless & non-cashless/reimbursement claim?

icon icon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Is there a provision for getting advance payment if the repair charges are high?

icon icon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How will I know when the survey will happen?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How much time does it take for motor insurance claim settlement?

icon icon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What Should I do in case of third party damage/ injury?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What should I do in case of theft of vehicle?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

When should I report to the police?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Whom should I contact if my vehicle sustains damage in a city other than the policy issuing city?

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What is the meaning of deductible? What is the deductible applicable to private car?

icon icon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

The Heritage

Liberty General Insurance comes with a strong foundation and legacy of the Fortune 100, US-based giant Liberty Mutual Insurance. With over 45,00...

The Milieu

At Liberty General Insurance, we are keen on fostering passionate spirits who are willing to go beyond the conventional work roles. Our people are empowered...

Garage Locator

Customer Reviews

4.67

Average Rating

Based on 17031 Ratings

  • 5 Star

    12508

  • 4 Star

    3719

  • 3 Star

    600

  • 2 Star

    103

  • 1 Star

    101

  • N. Rama Mohan Rao

    Mumbai

    Thank you very much for your prompt service, While taking insurance from your company, some people told that, if I take insurance from other than car dealer, I have to face problem (Like visit to dealer and insura​nce company surveyor and office, no cashless facility etc) while claim comes, you have pro ven that all th ose words are wrong and we can take from other than dealer also, I would like to express my please for your service .

View all Reviews

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