Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Liberty Own Damage Car Insurance

382 reviews Rate This
    Network Garages4,300+
    Claim Settlement Ratio98%
    Third Party CoverAvailable
    Roadside AssistanceAvailable
    Claim ProcessDigitally Enabled
    Presence95+ cities

    Liberty Standalone Own-Damage Car Insurance Policy

    A standalone own-damage cover takes care of own-damages costs in case of an unfortunate event. This is one of the three types of car insurance that Liberty General Insurance offers its clients. The own-damage cover offers protection in several different scenarios including road accidents, theft, natural calamities, man-made disasters, explosion and vandalism. Moreover, in times of crisis, this type of compensation provides the insurance holder with financial stability. Hence, it is prudent to purchase a standalone own damage cover along with compulsory third party insurance.

    Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

    Basis

    Liberty Third Party Insurance

    Liberty Standalone Own-Damage

    Liberty Comprehensive Insurance

    Coverage

    Liberty third party car insurance provides coverage for third party liabilities in case of a mishap including bodily injuries, death and property damage.

    Liberty standalone own-damage car insurance provides coverage for own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Plus, insurance providers give NCB for claim-free years.

    Liberty comprehensive car insurance plans provide coverage for both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.

    Add-ons

    Liberty third party insurance does not offer add-on covers to insurance holders.

    Liberty standalone own-damage insurance offers a number of add-on covers to insurance holders.

    Liberty comprehensive insurance plans offer several add-on covers to insurance holders

    Cost

    Liberty third party car insurance is the cheapest policy and provides basic coverage.

    Liberty standalone own-damage car insurance is more expensive than third party insurance but offers better coverage.

    Liberty comprehensive car insurance plans are the most expensive but offer holistic coverage for both own-damage and third party liabilities under a single premium.

    What is Covered Under Liberty Standalone Own-Damage Policy?

    The following are the aspects that are covered under a Liberty standalone own-damage cover:

    • Road accidents that damage the car significantly.
    • An explosion or a fire that causes damage to the insured car.
    • Theft or cases of total loss of the car.
    • Damages caused to the car due to a natural calamity or a manmade disaster, eg. Tsunami.

    What is Not Covered Under Liberty Standalone Own-Damage Policy?

    The following are the aspects that are not covered under a Liberty standalone own-damage cover:

    • If the car breaks down due to an electrical or mechanical failure.
    • Mishaps that involve illegal driving in any manner.
    • Depreciation of the car.
    • Mishaps that occur outside the geographical boundaries of India.
    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Benefits of Liberty Standalone Own-Damage Policy

    Following are the benefits of purchasing standalone own-damage insurance from Liberty:

    • It offers protection against a wide range of scenarios such as road accidents, fires, theft, vandalism and other mishaps.
    • It offers policyholders No Claim Bonus for every claim-free year.
    • It offers policyholders the option of purchasing add-on covers to further enhance your policy available.

    How To Purchase Liberty Standalone Own-Damage Policy?

    Below-mentioned is the steps you need to take to purchase Liberty standalone own-damage car insurance:

    Step 1: Visit our website InsuranceDekho and select the car insurance tab from the top left corner of the page. A drop-down menu will appear, select the ‘Standalone Own Damage’ option from the choices.

    Step 2: Enter your car’s registration number. If you do not have this information for some reason, you can also enter its make, model and year of registration instead.

    Step 3: Provide your personal details and after you enter all the required information select ‘Submit and Get Quotes’.

    Step 4: Quotes for all the standalone own-damage policies from the different insurance providers will be visible on the screen. Select the offer by Liberty and choose any add-ons you would like to purchase as well.

    Step 5: Make the payment for your chosen Liberty standalone own-damage car insurance policy and the policy document will be sent to your registered email ID.

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    Have you made a claim in the previous year?

    Must Read Articles before buying Liberty Car Insurance

    Liberty Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Policy in 3 easy steps

      I was able to purchase the Liberty Car Insurance Policy for my Kia Seltos on the InsuranceDekho website in 3...

      Read More
      P
      By Pragalva Mehta
      On: March 24, 2023
    • Got a plan of choice

      While looking for good car insurance for my newly purchased Honda city car, I came across the InsuranceDekho...

      Read More
      By Isha Goel
      On: March 22, 2023
    • Latest information available

      The InsuranceDekho website always has the latest policies and information. One can be assured that you will ...

      Read More
      P
      By Pragya Bajaj
      On: March 20, 2023
    • The chat box feature is helpfu...

      The InsuranceDekho website has a chat box feature which helped me a lot while buying the Liberty Car Insuran...

      Read More
      S
      By Sheena Mehra
      On: March 16, 2023
    • Quick services

      I bought the Liberty car insurance plan from the InsuranceDekho website for my Hyundai Venue car. They provi...

      Read More
      V
      By Venkatesh Iyer
      On: March 14, 2023
    • Excellent service by Sonam and...

      Great service by Sonam and Sunny Rates are most competitive Genuine guidance in selecting the best policy I...

      A
      Maruti Swift New Delhi
      By ASHA SHARMA
      On: March 11, 2023
    • Many payment options to choose...

      One is not limited to paying via a specific mode on the InsuranceDekho website. While purchasing the Liberty...

      Read More
      T
      By Tanya Chaudhary
      On: March 10, 2023
    • Dedicated Customer Care

      The InsuranceDekho website has very supportive customer care which is available 7 days a week. When I had to...

      Read More
      N
      By Nidhi Bhanushali
      On: March 7, 2023
    • Up-to-date information

      All the policies and information on the InsuranceDekho website are up-to-date. While looking through their a...

      Read More
      K
      By Kaashvi Sethi
      On: March 3, 2023
    • I renewed my policy at ease

      I visited the InsuranceDekho website to get the Liberty car insurance plan that I bought for my Toyota Fortu...

      Read More
      P
      By Pavan Batra
      On: February 24, 2023

    473 Liberty Cashless Garages in India

    Liberty Standalone Own-Damage Car Insurance FAQs

    • What is Liberty General Own Damage insurance plan?

      With the help of an own damage insurance plan, an insured stays protected against damage/loss to their insured car in an accident or any other mishap such as theft, fire, natural calamity, etc.

    • How does the premium calculation happen for Liberty General Own Damage Car Insurance?

      The calculation of premium for Liberty General own damage insurance happens after taking into consideration various factors such as car make, car age, vehicle type, engine cc, geographical zone, etc.

    • What all is covered in Liberty General Own Damage Insurance Cover?

      Own damage insurance cover by Liberty General offers coverage for loss or damage to own car due to any accident or mishap like natural calamity, fire, etc and coverage for theft of own car.

    • What are the documents needed to file for Own damage car insurance claim?

      You need the following list of documents to register for own damage insurance claim:

      • Car Insurance Plan Copy
      • A copy of FIR Report
      • Car RC
      • Repair estimate
      • No Claim certificate
      • Photographs/and other accident proofs
      • Driving license
      • Other documents (if asked by the insurance company)
    • Is buying an Own Damage insurance mandatory in India?

      No, buying an own damage insurance is not compulsory. However, it is mandatory to buy a third party liability insurance as per the Indian Motor Tariff Act.

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 Lac happy customers
    • Claim Support available all 7 days of the week

    Liberty Car Insurance Contact Details

    For any assistance or query, call us on:

    Car Insurance News

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