Liberty Car Insurance Claim
Claim refers to the right of a policyholder to get reimbursement for the expenses incurred by him/her due to an unfortunate event involving his/her insured car. The policyholders can file a claim with the insurer of his/her car after the occurrence of a road accident or any other mishap involving his/her insured car in which a financial liability falls on him/her. Claiming for loss with Liberty General Insurance is a completely hassle-free and instant process. You can experience cashless claim process at more than 4,300 Liberty authorised garages across India.
List of Documents Required During Claim Settlement
The following documents are required at the time of settling a car insurance claim:
- Duly filled and signed claim form
- Car’s Registration Certificate (RC)
- Driver's license
- Copy of FIR, if applicable
- Fire Brigade Report (in case of fire)
- Original receipt/bills of repairs (in case of reimbursement claim)
- No Trace Report (in case of theft)
- Subrogation & Power of Attorney in case of total loss and theft
- Insurance Policy document
- No Objection Certificate (NOC) from financer in case of total loss and theft
- Discharge Voucher
How To Make Liberty Cashless Car Insurance Claim?
Liberty General Insurance has introduced a claim settlement process for the car insurance policy in the following simple steps:
Step 1: Registration Of Claim
Register your claim immediately by informing the company about the accident/mishap. You can do this by calling at 1800 266 5844. To register a claim online visit Liberty General Insurance’s official website, click on the ‘Claims’ section and select the ‘Motor Claims’ option. Choose ‘Claim Registration’ and then click on ‘By Customer’. Fill the details asked on the next page and then select ‘Submit’ to send the claim initiation request.
Step 2: Acceptance Of Claim Request
After registration of a claim, a Liberty representative will get in touch with you and inform you about the further process. The executive will provide you with a Claim Reference Number at this stage.
Step 3: Survey Of Vehicle
Liberty will arrange a surveyor for you who will visit the spot of accident/mishap and assess the damage suffered by the insured car. The surveyor will visit you within 24 hours if the spot of mishap is within the city limits and in 48 hours otherwise.
Step 4: Documentation And Repairs
Get your vehicle towed to the nearest Liberty authorised garage. You can also ask the insurer to arrange a towing service for your insured car. Liberty offers a free of charge towing service within 50 km range up to Rs 1,500 after which the service is chargeable.
Submit all the documents asked by the surveyor for verification. After the submission of all the required documents by you, the repair work for your car will begin.
Step 5: Claim Settlement
Since, you have visited a Liberty authorised garage, the entire claim settlement process will be a cashless process under which the insurer will pay the repair cost to the garage directly subject to the authorised claim amount. You are only liable to pay for the compulsory deductible and voluntary deductible if opted for at the time of policy purchase.
How To Make Liberty Reimbursement Car Insurance Claim?
If there are no network garages nearby or you wish to repair the insured’s car in any other garage, in such case, you can register a reimbursement claim. The process of placing a reimbursement claim is described in the following steps.
Step 1: Intimate The Insurer
Inform Liberty General Insurance about the accident/mishap and request a claim initiation for your insured car. You can reach the insurer by calling their customer care helpline at 1800 266 5844. Alternatively, you can initiate a claim online by visiting Liberty General Insurance’s official website and clicking on ‘Motor Claims’ option under the ‘Claim’ section. Choose ‘Claim Registration’ option, click on ‘By Customer’, fill the required details and ‘Submit’ the claim initiation request.
Step 2: Approval Of Claim Request
The company will revert back to you to inform about the approval of your claim. A representative will guide you with further steps and will also provide you with a claim registration number for future reference.
Step 3: Inspection For Damages
Liberty will send a surveyor at the place of accident/mishap for an inspection of the damaged insured car. The survey will be arranged within 24 hours if the accident spot is within the city limits and in 48 hours if it is outside the city limits. Submit all the required documents to the surveyor at this stage.
Step 4: Towing Of Vehicle
Tow your vehicle to a garage of your preference. You can also request the insurer to arrange a towing service. Towing charges provided by Liberty General Insurance if offered free of charge up to Rs 1,500, after which it is chargeable.
Step 5: Reimbursement Of Claim
Get your car repaired at the garage and make a payment of the entire repair cost to the garage. To initiate a reimbursement with the insurer, submit all the required documents to it along with original repair bills. The insurer will disburse the claim amount within 7 days of receipt of all the documents after factoring deductibles.
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Common Liberty Car Insurance Claim Rejection Reasons
Following are some come scenarios/reasons which result in the rejection of a claim by the insurer:
- When the car was being used for any illegal purpose.
- Mismatch of details in the claim form against the documents submitted.
- Occurrence of an accident due to rash driving/negligence or of the driver.
- When the car was being driven without a valid driver’s license and car’s RC.
- Delay made by the policyholder in intimating the insurer about the accident/mishap.
- Repair of insured vehicle without permission and proper inspection of the vehicle by the insurer.
- When an accident of the insured car occurs due to the mistake of the driver under the influence of intoxicants.
Liberty No Claim Bonus
Liberty General Insurance offers a reward to its policyholders for not making any claim by driving safely. This reward is known as No Claim Bonus (NCB), which is offered when a policyholder renews his or her car insurance policy. With this bonus, the premium amount for the next year is determined by subtracting the no-claim bonus discount from the total premium payable. One thing needs to be remembered that discount earned will be applicable only on the own-damage component of the comprehensive car insurance policy. This bonus begins with a 20% discount on your insurance policy, with a maximum discount of 50% that can be gained by not making claims for five years in a row.
As the no claim bonus is given at the time of policy renewal, hence, it is crucial for policyholders to keep renewing their plans without any break, otherwise, the earned bonus could be terminated. Also, the NCB benefit belongs to the policyholder and not his car, so if the car owner sells his or her old car and buys a new one or shifts to a new insurer, the NCB can be transferred to the new car. It is recommended to bear small claims on your own to secure your accumulated bonus. However, it may not be possible every time, therefore, it is suggested that policyholders should pick a NCB Protect add-on cover to retain your bonus even after making a claim in a policy year.
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Liberty Car Insurance Claim FAQs
What additional documents do I need to submit to the insurer for claim settlement in case of theft of the insured vehicle?
Apart from all the necessary documents, you also need to submit the entire set of vehicle keys, No Trace Report for the lost vehicle, Indemnity Bond (part of insurance policy document) and No Objection Certificate (NOC) from the financer in case of theft of the vehicle.
How can I locate my nearest garage authorised by Liberty General Insurance?
To locate a Liberty authorised garage, go to the company’s homepage and select ‘Motor Claims’ under the Claim section. Click on ‘Garage Locator’ and select state, city, vehicle and garage type and click on ‘Submit’. The list will be displayed on the next page.
How can I track my vehicle’s inspection status?
Visit the company’s official website and click on ‘Track Your Status’ from the floating menu on the right edge of the page. Enter the ‘Quote Number’ and click on ‘Next’. The results will be displayed on the next page.
Do I need to carry my driving licence while claiming Liberty car insurance?
Yes, you are required to carry your driving licence while claiming Liberty car insurance policy. You should also make sure that the driving licence is valid.
When is the survey done in case of an accident beyond the city limit?
The surveyor visits the spot of an accident beyond the city limit within 48 hours of claim intimation.
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