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Liberty Bike Insurance Claim

Liberty Bike Insurance

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  • Claim Settlement Ratio 87.96% in FY18
  • Branches Across 95 Different Cities in India
  • More Than 900 Cashless Garage Network
  • Several Awards And Recognition

Liberty Tokio Bike Insurance Claim

Liberty General Insurance is a renowned private general insurance company that has an impressive claim settlement ratio of 87.96% in the financial year of 2017-2018. It has successfully developed a seamless claim settlement process to provide a hassle-free experience for the policyholders.

Liberty General Insurance has maintained a simple and organized format for the online as well as offline claim settlement procedures. The policyholders can opt for any assistance from its dedicated support team at any hour of the day. The claim settlement of Liberty bike insurance policy has been discussed below.

List of Documents Required During Claim Settlement

The following documents are required at the time of settling a bike insurance claim.

  • Duly filled and signed claim form
  • Self-attested copy of Registration Certificate (RC)
  • Driving license of the person driving at the time of the accident
  • Policy copy
  • Original repair estimate, repair invoice and payment receipt for non-cashless claims
  • Original repair invoice for cashless claims.

How To Make a Cashless Bike Insurance Claim with Liberty Bike Insurance Policy?

Liberty General Insurance has introduced a claim settlement process for the bike insurance policy in the following simple steps.

Step 1: Contact Liberty General Insurance

To intimate a new claim, you should contact the insurer within 24 hours of the accident, theft or damage of the insured’s bike. You can contact the insurer by calling on its official number 1800 266 5844 or by visiting the nearest branch. In the case of online claim intimation, visit the official website and follow the steps below.

  • Click on “Claim Assistance”
  • Select “Motor Claim” from the drop-down menu
  • Click on “Claim Registration”
  • Select “By Customer”
  • A claim registration form opens up. Fill up the required fields and click on submit.

Step 2: Register Claim

A representative of the insurance company contacts you after the intimation. You have to inform him of the policy number, date, time and location of the incident, accident or theft and all other related details. The representative provides you with a claim registration number marking that your claim has been successfully registered.

Step 3: Survey of Damages

A company surveyor is appointed who assess the extent of the damages caused to the bike during the accident. The survey is conducted within 24 hours if within the city limits and within 48 hours if beyond the city limits. The surveyor estimates the cost of repair and collects the duly filled claim form, policy documents and proves of the incident. In the case of third party property damage, provide its vehicle registration number. You can even provide contact details of witnesses if any as proof.

Step 4: Claim Settlement

After assessing all the aspects, the surveyor gives approval. The insurer confirms its financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.

How To Make a Reimbursement Bike Insurance Claim with Liberty Bike Insurance Policy?

You can register a reimbursement claim if there are no network garages nearby or you wish to repair the insured’s bike in any other garage. The insurer provides compensation for repairing the bike through a reimbursement claim. The process of placing a reimbursement claim is described in the following steps.

Step 1: Contact the insurer

You can initiate the reimbursement process by dialling its helpline number 1800 266 5844. You can even register a claim by visiting the nearest branch. To register the reimbursement claim online, follow the given steps.

  • Visit the official website of Liberty General Insurance
  • Click on “Claim Assistance”
  • Select “Motor Claim” from the drop-down menu
  • Click on “Claim Registration”
  • Select “By Customer”
  • A claim registration form opens up. Fill up the required fields and click on submit.

The insurer should be informed immediately after the accident or theft of the insured’s bike.

Step 2: Register A Claim

Liberty General Insurance company executive calls you back after the intimation. You have to inform the executive about the policy number and details about the accident. You receive a unique claim reference number from the executive.

Step 3: Survey of the Damages Incurred

The insurance company appoints a surveyor to check the condition of the bike within 48 hours. The surveyor produces an estimate of the cost of repair and collects the required documents, duly filled claim form and contact numbers of witnesses or photos of the incident as proof.

Step 4: Repair and Reimbursement

After the approval, you can send the bike to your desired garage and repair it at your own expense. After the completion of the repair, the bills and receipts of repair along with policy documents are to be submitted to the insurer for the reimbursement. The company verifies the case and once it passes the check, the insurer disburses the claim amount taking into account all the deductibles and depreciation.

Common Claim Rejection Reasons

In case of claim settlement under Liberty Insurance Company, there are specific grounds that you need to consider so that your claim is not rejected. The insurer rejects a claim for the following reasons.

  • Registration of a fraud Claim
  • Misinterpretation of facts
  • Driving without a licence
  • Driving under the influence of alcohol or intoxicating drugs
  • Delay in intimation about the mishap to the insurer
  • Act of negligence.

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Liberty Bike Insurance Claim FAQs

  • What is Claim Settlement Ratio?

    Claim Settlement Ratio refers to the ratio of the number of claims settled by the insurer against the number of claims received. It reflects the effectiveness of the insurance company to settle claims efficiently.

  • Do I need to carry my driving licence while claiming Liberty bike insurance?

    Yes, you need to carry your driving licence while claiming Liberty bike insurance policy. You should make sure that the driving licence is valid.

  • How can I find the nearest network garage?

    You can find the nearest network garage from the “Garage Locator” on the Claim assistance page of the official website. You have to select the state, city, two-wheeler, and garage type in the “Garage Locator” page to find the nearest garage.

  • From where do I get the claim form of Liberty bike insurance policy?

    You can download the claim form from the official website of Liberty General Insurance. The claim forms in regional languages are available under the section of “Downloaded Forms”. You can also opt to collect it from the claim assistant at the nearest office.

  • When is the survey done in case of an accident beyond the city limit?

    The surveyor visits the spot of accident beyond the city limit within 48 hours of claim intimation.

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Liberty Bike Insurance Contact Details

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.