Liberty Comprehensive Car Insurance Policy

A comprehensive car insurance policy is an essential requirement these days considering the fact that car repair costs are extremely high these days. The comprehensive car insurance policy offered by Liberty General Insurance frees you from bearing financial liability of damage incurred by your car in any road accident, theft, fire, natural/man-made calamity or any other mishap. It also provides an insurance against third party liabilities arising out of any unfortunate event involving your car.

Liberty General Insurance also offers optional personal accident covers of up to Rs. 15 lakh and up to Rs. 2 lakh with its comprehensive policy for the policyholder and unnamed co-passengers respectively.

Liberty Comprehensive Car Insurance Vs Third Party Car Insurance

What All Is Covered Under Liberty Comprehensive Car Insurance Plan?

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

• Unlimited liability cover in case of death of a third party.
• Compensation of up to Rs 7.5 lakh for third party property damage.
• Own Damage to the vehicle caused by an external means such as natural or manmade calamities, road accidents, theft or any other unintentional event.

What All Is Not Covered Under Liberty Comprehensive Car Insurance?

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

• Option to pay premiums and renew the policy online.
• Availability of a number of add-on covers against extra premium.
• Transfer of existing No Claim Bonus from any previous insurance provider.
• No Claim Bonus discount on own-damage premiums of up to 50% for claim-free years.
• Reimbursement up to Rs. 1,500 on towing charges in the event of damage of the insured car.
• Policy cover for the vehicle and coverage of all third party liabilities including the third party property damages.
• Availability of optional personal accident cover of up to Rs. 15 lakh and Rs. 2 lakh for policyholder and unnamed co-passengers respectively.