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Liberty Videocon General Insurance

Liberty Videocon General Insurance is a joint venture between Liberty City state holdings PTE Ltd, and Videocon Industries Limited. From 2013, Liberty Videocon General Insurance initiates its activities in India. Liberty Videocon General Insurance Company covers a large segment of General Insurance and has a strong hold with its 58 offices all over the country. It has partnership with more than 4000 hospitals and more than 2500 garages across the country. Liberty Videocon consist the good reputation with its 95% claim settlement ratio.

Liberty City-State Holdings Pte Ltd is a part of US based Liberty Mutual group. Liberty Mutual group operates in 30 countries and economic around the world. They cover extensive range of insurance like general liability, property, commercial automobile, accident & health, compensation, surety, annuity products etc.

The Videocon Group is rated among the India’s Top 15 Private Business houses and India’s “busiest brands”. It has emerged as the most flourishing Global Oil & Gas explorer in the world. It has a strong hold in the Power sector, Telecom, DTH TV service, Retail, Consumer Electronics and Global Oil & Gas.

Key Highlights of Liberty Videocon General Insurance
  • Abiding customer relationships
  • Nurture transparency in interactions
  • Long term relationship with partners
  • Empowering employees
  • Guarantee commitments made to customers

Key Benefits of Liberty Videocon Car Insurance
  • Hassle free claim
  • Quick Settlement
  • Additional benefits
  • Customer Support
  • Renewal Discount
  • Accidental Cover
  • Depreciation Cover
  • Third Party Cover
  • Personal Accident Cover
  • Partnership with more than 2500 garages across the country

Documentation needed to apply for Liberty Videocon Car Insurance
  • Completely filled covernote / application form with contact numbers
  • Name of insured person
  • Vehicle number
  • Make and model of the vehicle
  • Identification card
  • Copy of RC book if any
  • Copy of previous insurance ( for renewal)

Liberty Videocon Car Insurance Plans at a Glance
  • Private Car Package Policy

Liberty Videocon Car Insurance Plans
Plan Name Benefits
Private Car Package Policy
  • Inspection and Cashless Service at 1900+ network garages
  • Optional add-ons like Depreciation cover, Consumable cover, GAP value cover, Passenger assist cover, Roadside assistance cover.
  • No claim bonus
  • Personal accident cover, in case of loss of limb or sight, disablement or death.
  • Third Party liability (injury or death caused to their property)
  • Cost of loss or damage incurred to the vehicle
  • Additional Benefits
  • On road Protection

Liberty Videocon Car Insurance Plan Benefits
Damage Cover: Liberty Videocon Motor insurance covers the damage partially or completely occurrence due to natural calamities like explosion, storm, fire, self-ignition, flood, earthquake, hurricane, tempest, cyclone, frost, hailstorm, rockslide, landslide etc or due to manmade calamities like theft burglary, riot, malicious act, strike, terrorist activity, accidental external means, damage in transit by road, rail, inland waterway, lift elevator or air etc

Personal Accident cover: Liberty Videocon Motor Insurance offers you personal accident cover, in case of loss of limb or sight, disablement or death.

Third party liability: it provides cover liability for third party injury or death for any damage to third party property caused by an accident due to insured vehicle.

Cashless Servicing: Customer can avail the cashless service from a strong network of 1900+ garage in India.

Liberty Videocon Car Insurance Add-ons
Customer can get customized insurance policy according to their needs. By paying little additional premium, they can add these additional benefits to their policy. These options are:

Depreciation cover: By adding this benefit in insurance policy, owner need not to pay any deduction amount in the name of depreciation of the parts, even though, he will be entitled to claim for complete coverage for the damaged part.

Consumable cover: Consumable parts of private car are covered by paying additional premium. These parts are grease, screws, washers, nuts and bolts.

GAP value cover: Under GAP value cover, the total cost of the vehicle is covered.

Passenger Assist Cover: Hospital allowance, Medical expenses and medical transport assistance for the passenger and driver are covered.

Roadside Assistance Cover: It offers you the road side emergency assistance like mechanical & accidental breakdown towing, on site repairs, flat tire change, battery jumpstart etc.

Liberty Videocon Car Insurance Exclusions
It uncovered the loss/damage to the vehicle/accessory/accessories, these are
  • Any contractual liability
  • Any consequential losses
  • Depreciation wear and tear, general aging of the vehicle
  • Mechanical and electrical breakdown, failure or breakage
  • When the vehicle is used outside the geographical area.
  • Damage to and by a person driving the vehicle under the influence of drugs or liquor
  • Damage to and by a person driving the vehicle without a effective and valid driving license
  • Loss or damage covered under the manufacturer’s warranty or part of manufacturer’s call.
  • Damage due to nuclear risk or war

Claim Process for Liberty Videocon Car Insurance
Step Description
1: Register motor claim without any delay via either of the below mentioned options:
  1. By calling us at 18002665844
  2. Register on website :- https://www.kotakgeneralinsurance.com/claims/claim-intimation-form
2: Our representative will connect with you for further required details.
3: We will arrange an Inspection inside the city within 24 hours, if a claim reported on a working day.
And inspection will be arranged within 48 hours, if it is needed outside the city limits.
4: Once the vehicle gets into garage, we will need the required documents (listed documents) at the garage for our surveyor to validate.

Liberty Videocon Car Insurance –FAQs
1. What all included in Liberty Videocon Third Party Covers?
Liberty Videocon Third Party Covers includes:
  • Any permanent injury/death to a person caused by the insured vehicle.
  • Any damage caused to the property (excluding vehicle) of some other individual by the vehicle insured.
  • Unlimited amount coverage is available for death liability, for a private car, any damage to third party property is covered up to 7.5 lakh.
2. Are electrical and non-electrical accessories covered under Liberty Videocon Private Car Insurance?
For any equipment electrical or non electronic, which is not factory fitted, the value of these accessories is to be declared by the insured, at the invoice value. These accessories can be covered under insurance policy by paying additional premium.

3. What is No Claim Bonus (NCB) offering by Liberty Videocon Car Insurance?
NCB is a discount which insured get, if he hasn’t made any claim during the last year of policy. You get the NCB, even if you change your motor insurance from any other insurance company to Liberty Videocon General Insurance.

NCB benefits by Liberty Videocon Motor Insurance are given as per the chart:

The preceding year 20%
Preceding 2 consecutive years 25%
Preceding 3 consecutive years 35%
Preceding 4 consecutive years 45%
Preceding 5 consecutive years 50%