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Liberty Comprehensive Two-Wheeler Insurance Policy

Liberty General Insurance has introduced a cost-effective solution to deal with the uncertainties on roads through its bike insurance policy. Liberty comprehensive bike insurance policy provides extensive coverage against the third party liabilities and for own damage to the insured’s bike. It instills a sense of financial security in the policyholder.

Liberty Comprehensive Bike Insurance vs Third Party Bike Insurance


Comprehensive Bike Insurance

Third Party Bike Insurance


It provides coverage for the financial and legal obligations to the third party as well as own damage to the insured’s bike.

Third party bike insurance policy covers only the third party liabilities incurred by the insured’s bike.


A wide range of add-on covers is available along with a comprehensive bike insurance policy.

It does not come with the availability of any add-on cover.


The premium of the comprehensive policy is relatively higher as it provides extensive coverage to the policyholders.

The premium of the third party policy is relatively lower due to its limited coverage.

What All Is Covered Under Liberty Comprehensive Bike Insurance Plan?

Liberty comprehensive bike insurance policy provides coverage for the following aspects:

  • Third party liabilities: The policyholder receives financial and legal support from the insurer to deal with the third party liabilities in case of any damage, loss or injury of the third party caused by the insured’s bike. The compensation amount to be paid by the insurer is decided as per the court of law.
  • Own damage caused by natural calamities: The insurer covers the damage of the insured’s bike caused due to any natural calamities such as flood, earthquake, landslide etc.
  • Own damage caused by man-made disasters: Any damage to the insured’s bike in man-made disasters such as riot, strike, fire, terrorist activities etc. gets covered under Liberty bike insurance policy.
  • Theft: The theft or burglary of the insured’s bike gets covered by the insurer.

What All Is Not Covered Under Liberty Comprehensive Bike Insurance?

Liberty comprehensive bike insurance policy does not provide coverage for the following cases:

  • Normal wear and tear
  • In case of willful negligence
  • Driving without a valid licence
  • Mechanical or electrical breakdown
  • Any damage caused due to contractual liability
  • Driving under the influence of alcohol or intoxicating drugs
  • Damage occurred during war, nuclear risk, mutiny rebellion or any such situation.

Liberty Comprehensive Bike Insurance Benefits

Liberty comprehensive bike insurance plan provides several benefits to the policyholders which are discussed below:

  • Active helpdesk service
  • Swift and easy claim settlement process
  • Swift purchasing option through the official website
  • Avail a variety of add-on options to stretch coverage
  • Free repair and replacement service in the cashless garages spread all over India
  • Provides financial support to deal with third party liability and own damage expense.

Must Read Articles before buying Liberty Bike Insurance

Liberty Bike Insurance User Reviews

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What users are saying
  • All
  • Comprehensive
  • Most Helpful
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • 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 Comprehensive Bike Insurance FAQs

  • What are the add-on covers offered under Liberty comprehensive bike insurance policy?

    The add-on covers offered under Liberty comprehensive bike insurance policy are as follows:

    • Zero Depreciation cover
    • Consumables cover
    • Gap Value cover
    • Roadside Assistance cover
    • Engine safe cover
    • Lost Key Assistance cover.
  • What is lost key assistance?

    Lost key assistance cover is an add-on cover offered by Liberty along with its comprehensive two-wheeler insurance policy. In the event of an emergency where bike keys are misplaced or damaged, the insurance company will arrange for a representative to replace keys of the insured’s bike on the spot.

  • What are the factors that affect the premium amount of the Liberty comprehensive bike insurance policy?

    The premium amount of Liberty comprehensive bike insurance policy depends on the following factors:

    • Driving history
    • Location
    • Gender and age of driver
    • Marital status
    • Previous insurance
    • Cubic capacity of engine
    • Age of the vehicle
    • Usage of the vehicle
    • Make, model and variant of your vehicle.
  • What is the tenure for Liberty long term comprehensive policy?

    The tenure for Liberty long term comprehensive policy extends from 2 years to 3 years.

  • How is the sum assured calculated for Liberty comprehensive bike insurance?

    The sum assured for Liberty comprehensive bike insurance is calculated by the Insured Declared Value (IDV) of the insured’s bike.

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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.