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Top Liberty Videocon Bike Insurance Plans

PLAN TYPE: Comprehensive
Starting From 799
PLAN TYPE: Third Party
Starting From 714
PLAN TYPE: Own Damage
Starting From 182

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Liberty Bike Insurance Claim

Liberty General Insurance is a renowned private general insurance company that has an impressive claim settlement ratio of 87.48% in the financial year of 2019-2020. 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

Below mentioned are the list of documents required while filing a claim for Liberty two-wheeler insurance policy in case of accident or theft:

  • Claim form filled and signed
  • Copy/Original Registration Certificate
  • Copy/Original Driving License
  • First Information Report
  • Fire Brigade Report (In case of fire)
  • Repair/Replacement Bills (In case of reimbursement claim)
  • Pictures of damaged vehicle
  • Set of Vehicle Keys (In case of theft)
  • No Trace Report - Final (In case of theft)
  • Subrogation and Power of Attorney (In case of total loss/theft)
  • Discharge Voucher

How To Make Liberty Cashless Bike Insurance Claim?

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 Liberty Reimbursement Bike Insurance Claim?

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 Liberty Bike Insurance Claim Rejection Reasons

In the 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.

Liberty No Claim Bonus

Every insurance provider including Liberty General Insurance offers a No Claim Bonus. This benefit is offered with own-damage covers that can be purchased either as standalone own-damage covers or as part of a comprehensive plan. The No Claim Bonus is a token benefit that is offered only during claim free-years. The NCB is cumulative in nature and goes up to 50 per cent in the fifth consecutive claim-free year. However, any time the policyholder makes a claim, no matter how minor the NCB is disabled. Thus, customers are advised to file for a two-wheeler insurance claim only when the damage is significant. A good marker to understand when to file for the claim is to check if the claim amount will be higher than the No Claim Bonus.

Policyholders are also expected to renew their two-wheeler insurance policy on time. If they fail to do so the accumulated NCB will be lost. To prevent such a situation, the insurance companies including Liberty General Insurance give their customers a grace period. For 90 days from the date of expiry, the policyholder is given a chance to renew their policy. When this time period is crossed the insurance policy can no longer be renewed and the NCB is lost with it. At the time of renewal, customers can simply transfer their NCB if they shift to a different insurance provider. Moreover, if the customer chooses to sell their bike to purchase a new one, the NCB will still remain intact.

Must Read Articles before buying Liberty Bike Insurance

Liberty Bike Insurance User Reviews

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What users are saying
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  • Accessible Anytime, Anywhere

    I'm happy because I can use the special tool, the premium calculator of InsuranceDekho. It helps me to figure out the insurance costs of Liberty Bike Insurance any time i want as per my feasibility. It's really handy and works well with my hectic life.

    By Jahul Akhtar
    On: June 5, 2024
  • Peace of Mind with Every Drive...

    Every time I hit the road with my Mahindra bike, I have peace of mind knowing that InsuranceDekho's Liberty Bike Insurance Policy’s own damage coverage has my back. It's a reassuring feeling that money can't buy.

    By Prakash Thapa
    On: November 21, 2023
  • No Hidden Costs, No Surprises

    I appreciate how the premium calculator provided clear estimates for my Bajaj bike, leaving no room for hidden costs or surprises while purchasing the Liberty Bike Insurance Policy. What you see is what you get, and that's a relief.

    By Santosh Singh
    On: November 15, 2023
  • Cost-Efficient Legal Complianc...

    InsuranceDekho's Third-Party Insurance provides cost-efficient legal compliance. The Liberty Bike Insurance Policy is a basic, yet necessary, policy for my Aprilia bike that safeguards against liabilities while keeping your expenses in check.

    By Yash Paul
    On: October 17, 2023
  • Confidently Protected with Ins...

    I bought the Liberty Bike Insurance Policy from InsuranceDekho. The policy provides me with confidence in the protection for my BMW bike. Their efficient claims processing reassures me that I'm in good hands.

    By Mukul Pahwa
    On: September 20, 2023
  • No-Claim Bonus Protection for ...

    The no-claim bonus protection offered by InsuranceDekho’s Liberty Bike Insurance Policy is a fantastic feature of their comprehensive coverage. It rewards careful driving habits. Happy to have secured my Hero bike under this policy.

    By Saket Bhasin
    On: September 15, 2023
  • Recommended for Responsible Ca...

    I recommend InsuranceDekho's third-party car insurance to responsible car owners who prioritize legal compliance and road safety. I bought the Liberty Bike Insurance Policy and added this benefit to the policy for my Aprilia bike and could not be more happier and secure.

    By Rajeev Rai
    On: September 13, 2023
  • Transparent Premium Breakdown

    I appreciate the transparency of InsuranceDekho's premium calculator. I made a wise decision to secure my Royal Enfield with them. It broke down the premium for my Liberty Bike Insurance Policy into understandable components, making it easy to budget.

    By Saksham Yadav
    On: September 11, 2023
  • Great for High-End Repairs

    High-end repairs can be expensive, but InsuranceDekho's Zero Depreciation Policy makes them affordable. The Liberty Bike Insurance Policy covers the repair costs without factoring in depreciation for my Royal Enfield.

    By Ramit Sarkar
    On: September 5, 2023
  • True Partner in Recovery

    InsuranceDekho has been a true partner in my recovery after accidents. The Liberty Bike Insurance Policy’s efficient claim processing for my for my Triumph bike and support have eased the post-accident stress.

    By Prashant Budhiraja
    On: September 1, 2023

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.