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Liberty Third Party Car Insurance

The Indian Motor tariff 2002 makes it compulsory for every car owner in India to have at least a third party liability cover. You can fulfil this legal requirement by purchasing a third party car insurance policy from one of the leading insurers Liberty General Insurance company. The Liberty third party liability cover provides compensation for all the third party liabilities (life and property) arising out of an accident/mishap involving the insured car.

Under the third party liability cover, Liberty General Insurance offers as much compensation as decided by a court of law in case of injury/death of a third party and up to Rs 7.5 lakh compensation in case of third party property damage. The insurer offers both 1 year as well long-term third party car insurance policy.

Liberty Third Party Car Insurance Vs Comprehensive Car Insurance

Basis

Third Party Car Insurance

Comprehensive Car Insurance

Extent Of Cover

Under the third party cover, compensation is provided for bodily injury/death of a third party and third party property damage (up to Rs 7.5 lakh).

The comprehensive plan offers compensation for all third party liabilities as well as for damages incurred by the insured vehicle in accordance with its Insured Declared Value (IDV).

Customisation

A third party cover cannot be customised as no add-ons are available with it.

A comprehensive cover can be customised with the help of a number of add-ons.

Compulsion

It is compulsory as per law for a car owner to purchase a third party car insurance policy.

A car owner has an option to purchase a comprehensive car insurance policy or not.

What All Is Covered Under Liberty Third Party Car Insurance Policy?

The coverages provided by Liberty third party car insurance policy are described below:

  • Optional accident cover of up to Rs. 2 lakh for a hired driver.
  • Reimbursement up to Rs 7.5 lakh for third party property damage.
  • Optional accident cover of up to Rs. 2 lakh for unnamed co-passengers.
  • Availability of optional personal accident cover up to Rs. 15 lakh for the policyholder.
  • Limited/Unlimited (depending upon the type of injury) liability cover for injury/death of a third party.

What All Is Not Covered Under Liberty Third Party Car Insurance Plan?

The Liberty third party liability cover does not provide coverage for the following:

  • Damages incurred by the insured vehicle in an accident.
  • Damages incurred to the insured vehicle due to a natural or man-made calamity or any other mishap.
  • Bodily injury of the policyholder and co-passengers travelling in the insured vehicle (if not opted for the respective cover).

Explore Liberty Car Insurance

Must Read Articles before buying Liberty Car Insurance

Liberty Car Insurance User Reviews

4.8
Rating based on
439 User reviews
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What users are saying
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  • Knowledgeable Advisors

    The advisors at InsuranceDekho are knowledgeable and provided me with valuable insights during the renewal process of the Liberty Car Insurance Policy. It was reassuring to know I was making informed decisions for my Mercedes-Benz.

    Read More

    S
    By Sarah Negi
    On: November 22, 2023
  • Helps You Stay Within Budget

    With the premium calculator, I could easily adjust my coverage for the Liberty Car Insurance Policy and options to stay within my budget. It's a fantastic way to get the protection I need for my Chevrolet car without overspending.

    Read More

    A
    By Asmita Khambre
    On: November 16, 2023
  • Quick and Hassle-Free Premium ...

    I was looking for a good car insurance policy for my Chevrolet car. The premium calculator on InsuranceDekho is a game-changer. It's fast, efficient, and hassle-free. I appreciate being able to get a quick estimate of the Liberty Car Insurance Policy without going through lengthy forms and phone calls.

    Read More

    J
    By Jitender Kumar
    On: November 8, 2023
  • Support for Car Owners

    InsuranceDekho's cashless garage support with the Liberty Car Insurance Policy is comprehensive. They cover everything from minor repairs to major overhauls for my Toyota car, catering to all my needs.

    Read More

    By Pankaj Rana
    On: October 18, 2023
  • No Hidden Costs

    I appreciate that there are no hidden costs or surprises with InsuranceDekho's Zero Dep insurance for my Hyundai car. With the Liberty Car Insurance Policy, what you see is what you get, and that level of transparency is commendable.

    Read More

    V
    By Viaks Shankar
    On: October 3, 2023
  • Staying Loyal for Cashless Ben...

    I'm a loyal customer of InsuranceDekho because of their excellent cashless garage benefits. It's a significant reason why I renew my Liberty Car Insurance Policy for my BMW with them.

    Read More

    S
    By Sanya Bisht
    On: September 27, 2023
  • Effortless Claims Resolution

    InsuranceDekho made claims resolution effortless. Their team handled everything efficiently for my Liberty Car Insurance Policy claim that I filed for my Renault car, making it a stress-free experience.

    Read More

    By Madhurima Khurrana
    On: September 20, 2023
  • Total Peace of Mind with Own D...

    Recently I bought the Liberty Car Insurance Policy and with that InsuranceDekho's own damage coverage gives me total peace of mind. I know my Skoda car is protected against a wide range of risks.

    Read More

    V
    By Vinod Kamath
    On: September 15, 2023
  • Simplified Premium Calculation...

    I found InsuranceDekho's premium calculator to be a simplified way to calculate insurance costs for the Liberty Car Insurance Policy that I purchased for my Chevrolet car. It's a must-use for anyone purchasing insurance.

    Read More

    P
    By Prachi Yadav
    On: September 13, 2023
  • Value for Money Protection

    I believe InsuranceDekho's zero depreciation policy provides excellent value for money. The Liberty Car Insurance Policy with the zero dep ensures my MG car retains its value on the road and in my wallet.

    Read More

    By Maya Anand
    On: September 11, 2023
  • Legal and Responsible Driving

    With a Third-Party Car Policy, I can practice legal and responsible driving. InsuranceDekho's Liberty Car Insurance Policy ensures that my Renault car is covered against third-party risks, promoting responsible road behavior.

    Read More

    S
    By Sahil Khan
    On: September 7, 2023
  • Prompt Renewal Assistance

    2 years ago I purchased the Liberty Car Insurance Policy for my MG car. InsuranceDekho's support team was prompt and helpful whenever I needed assistance during renewal. Their guidance made the process smoother.

    Read More

    R
    By Rajan Negi
    On: September 4, 2023
  • Accurate and Fair Damage Asses...

    InsuranceDekho's damage assessment process was accurate and fair. I didn't face any issues with the claim settlement of my Liberty Car Insurance Policy for my Ford car.

    Read More

    B
    By Bilal Vohra
    On: August 28, 2023
  • Seamless Integration with the ...

    InsuranceDekho's premium calculator is seamlessly integrated with the insurance buying process. It made the entire journey from quote to purchase the Liberty Car Insurance Policy for my MG car hassle-free.

    Read More

    By Leila Banarjee
    On: August 24, 2023
  • Saves Money in the Long Run

    Choosing InsuranceDekho's zero depreciation policy saved me money in the long run. I didn't have to worry about depreciation-related expenses. The Liberty Car Insurance Policy proved to be the best for my Mahindra car.

    Read More

    C
    By Chirag Kansal
    On: August 22, 2023
  • Peace of Mind with Own Damage ...

    Having my own damage insurance from InsuranceDekho’s Liberty Car Insurance Policy gives me peace of mind, knowing that my Mercedes-Benz is protected against various risks on the road.

    Read More

    A
    By Abhinav Jain
    On: August 16, 2023
  • Competitive Premium Rates on R...

    I was pleasantly surprised by the competitive premium rates offered by InsuranceDekho on the renewal of the Liberty Car Insurance Policy for my Chevrolet car. It made sticking with them an easy decision.

    Read More

    By Harmeek Kaur
    On: August 11, 2023
  • Peace of Mind During Emergenci...

    Having access to Liberty Car Insurance Policy’s cashless garages from InsuranceDekho gave me peace of mind during an unfortunate roadside breakdown. I was able to get my Audi car towed to a nearby garage and have it repaired without any financial worries.

    Read More

    A
    By Aviral Das
    On: August 9, 2023
  • Luxury Car Owners Rejoice!

    As a luxury car owner, I couldn't be happier with the Liberty Car Insurance Policy’s zero depreciation coverage from InsuranceDekho. It's tailored for high-value vehicles, ensuring I receive the best protection for my Mercedes car without worrying about depreciation.

    Read More

    A
    By Aakrit Batra
    On: August 7, 2023
  • Seamless Online Renewal Proces...

    InsuranceDekho's Liberty Car Insurance Policy renewal process was seamless. I could renew my policy online within minutes without any hassle. Their user-friendly interface made it a breeze, and I'll definitely use it again next year for my Lamborghini.

    Read More

    A
    By Arun Grover
    On: August 3, 2023
  • Zero Depreciation - A Wise Inv...

    Choosing InsuranceDekho's zero depreciation cover for my Liberty Car Insurance Policy was a wise investment. It not only saved me money on repairs for my Honda car but also gave me peace of mind knowing that my car was fully protected.

    Read More

    P
    By Puja Sharma
    On: July 28, 2023
  • Affordable Premiums Third Part...

    InsuranceDekho offers affordable premiums for their third-party car insurance coverage. I am pleased with the comprehensive coverage options that came with the Liberty Car Insurance Policy for my Mahindra car, ensuring that I am protected against any unforeseen events on the road.

    Read More

    V
    By Vikas Kumar
    On: July 24, 2023
  • Convenient Premium Comparison

    The premium calculator offered by InsuranceDekho makes it convenient to compare premiums across different insurers. It eliminates the need to visit multiple websites or contact various agents. I can quickly compare premiums and coverage options in one place and immediately bought the Liberty Car Insurance Policy for my Renault car.

    Read More

    T
    By Tanu Srivastava
    On: July 20, 2023
  • Smooth Coordination during a c...

    When I asked for a claim for my Kia car, InsuranceDekho seamlessly coordinated with me as I had the Liberty Car Insurance Policy from them. They ensured that the claim was done promptly and kept me updated throughout the process. I appreciate their efforts in making the claim process smooth.

    Read More

    By Radhya Garg
    On: July 18, 2023
  • Accidental Covered with compre...

    When my Chevrolet car had an accident, InsuranceDekho's comprehensive coverage took care of the damages to my vehicle. The process under the Liberty Car Insurance Policy was smooth, and the repairs were done professionally.

    Read More

    K
    By Kyra Sharma
    On: July 14, 2023
  • Reliable Third-Party Coverage

    The third-party car insurance that I added to my Liberty Car Insurance Policy for my Nissan car from InsuranceDekho provided reliable coverage for any damages or injuries caused to third parties in an accident. It ensured financial protection and peace of mind.

    Read More

    By Dinesh Garg
    On: July 12, 2023
  • Transparent Cost Breakdown

    The premium calculator provided a transparent breakdown of the costs involved in the Liberty Car Insurance Policy’s coverage for my Volvo. It helped me understand how factors such as deductibles, add-ons, and discounts affected the premium amount.

    Read More

    H
    By Hardik Bohra
    On: July 10, 2023
  • Seamless Cashless Claims Exper...

    InsuranceDekho's cashless garages provide a seamless claims experience. I had an accident, and the entire repair process was hassle-free. Because of the Liberty Car Insurance Policy that I purchased for my BMW, the garage directly coordinated with the insurance company for cashless settlement, saving me time and effort.

    Read More

    M
    By Manoj Tyagi
    On: July 6, 2023
  • Fair Assessment and Quick Sett...

    When I had to make my own damage claim, InsurancdeDekho's assessment of the damages was fair and accurate. They thoroughly inspected my BMW and promptly provided an estimate for the repairs. The settlement process with the Liberty Car Insurance Policy was smooth, and the repair costs were quickly reimbursed. I appreciate their efficiency and fair assessment during the claim settlement.

    Read More

    S
    By Saransh Yadav
    On: July 4, 2023
  • Smooth and Convenient Car Insu...

    I recently renewed my Liberty Car Insurance Policy for my BMW, and I am delighted to share my positive experience with the renewal process. The entire process at was smooth, convenient, and hassle-free, and I couldn't be happier with the service provided by InsuranceDekho.

    Read More

    V
    By Vikram Ahuja
    On: June 30, 2023
Liberty Reviews

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Liberty Third Party Car Insurance FAQs

  • What is the amount of personal accident cover offered by Liberty General Insurance?

    Liberty offers a personal accident cover of up to Rs. 15 lakh for the policyholders. The accident cover for a paid driver is available up to Rs 2 lakh each for both co-passengers and paid driver.

  • How much compensation is offered if the accident results in permanent total disability of a third party?

    The final compensation amount is decided by the court of law and the entire cost is borne by the Insurer.

  • What happens to my car insurance policy if I sell my vehicle before policy expiry?

    In such a case, the policy’s ownership can be changed by filing an endorsement form which will contain all the details of changes done in the policy such as name, DOB, mobile number, etc.

  • How can I pay the premium of the Liberty third party car insurance?

    The payment for the premium of the Liberty third party car insurance policy can be done in the following ways:

    • Visit the nearest branch.
    • Go to the official website of Liberty General Insurance.
    • Contact the support team of Liberty General Insurance by calling the toll-free helpline number 1800-266-5844.

  • Do I get any compensation for the damage of my car in case of an accident?

    No, the third party car insurance does not cover the damage of the insured’s car under any circumstances even in case of an accident.

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