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Best Health Insurance Plan For Family | LGI

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Best Health Insurance Plan For Family | LGI

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Family health insurance plans are planned to cover the entire family's healthcare expenses. Get the best Family Health Insurance plans at LGI. VIsit now

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health insurance plans in india for family

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Secure Health Connect Insurance Plan - Liberty General Insurance

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Family Health Insurance: Now secure your family's health at a low premium with our Secure Health Connect Policy. Get our family medical insurance policy & enjoy featureslike cashless claims, royalty, pay premium in installments etc

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Health Connect Supra by Liberty General Insurance is an extension for your health insurance policy. Visit LGI to know more

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Health Connect Supra Insurance Policy - Liberty General Insurance

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Liberty General Insurance Health Connect Supra provides a larger coverage for expenses incurred during hospitalization due to an accident or illness. Buy Health Connect Supra Insurance Policy today!

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Health Connect Policy Insurance Plan Online in India | LGI

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Health Connect Policy Insurance Plan Online in India | LGI

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Secure Health Connect Policy offers comprehensive coverage to take care of your hospitalization expenses. Know more at LGI

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You can choose from four variants as mentioned below with Sum Insured ranging from Rs. 2 lakh, and 15 lakh:

. E-Connect - Sum Insured 3, 4, 5, 7.5 L

. Basic - Sum Insured 2, 3, 4, 5, 6, 7.5, 10 L

. Elite - Sum Insured 3, 4, 5, 6, 7.5, 10, 15 L

. Supreme - Sum Insured 2, 3, 4, 5, 6, 7.5, 10, 15 L

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Liberty Health Connect Policy Insurance Plan - Liberty General Insurance

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You can choose from four variants as mentioned below with Sum Insured ranging from Rs. 2 lakh, and 15 lakh: . E-Connect - Sum Insured 3, 4, 5, 7.5 L . Basic - Sum Insured 2, 3, 4, 5, 6, 7.5, 10 L .

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Health Insurance Renewal Online: Instant Renewal at LGI

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Health Insurance Renewal Online: Instant Renewal at LGI

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Health insurance online renewal at Liberty General Insurance is a fast and simple process that takes just a couple of minutes to complete. Visit now at LGI

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Liberty General Insurance - Health, Motor, Travel Insurance In India.

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Best Health Insurance Quotes in India | LGI

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Best Health Insurance Quotes in India | LGI

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Health insurance is a type of insurance that covers all or part of the medical expenses that come with illness or injury. Visit LGi and get the best Health Insurance Quotes

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Buy Health Insurance Policy Online | LGI

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Buy Health Insurance Policy Online | LGI

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A health insurance policy functions as a financial safety net for unplanned medical costs. Utilizing a health insurance plan. Visit now at LGI

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Why Liberty General Insurance

We at Liberty General Insurance (LGI) ensure that you have the most hassle-free experience when it comes to dealing with a sensitive issue such as health insurance. We draw our experience and competence from Liberty Mutual Insurance Group, which was founded in the year 1912 and now has over 900 offices over the world. Under Liberty Mutual's supervision, we intend to build a customer-centric business to address the distinct needs of individual and corporate customers.

Liberty General Insurance Ltd. is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US Headquartered Liberty Mutual Insurance Group, a leading multinational property and casualty group, Enam Securities, a privately owned and managed firm that makes long-term investments in listed companies, as well as backs entrepreneurs building valuable private companies and DP Jindal Group, an industrial conglomerate.

Liberty India General Insurance commenced operations in 2013 with the aim of providing comprehensive retail, commercial and industrial insurance solutions. The company has an employee strength of 1200+ over a network of 110 offices in 95 cities across 29 states. Its partner network consists of about 5000+ hospitals and more than 4000+ auto service centres.

What Is Health Insurance?

Health insurance is a type of insurance that protects you and your family from unforeseen medical emergencies. It covers medical treatments or surgical procedures and can also cover the cost of doctor consultation, prescription drugs, and even post-surgical care. In other words, health insurance shields you from the financial strain brought by a major illness or a severe accident.

Why Do I Need Health Insurance?

Health care costs have been increasing over the years and can often amount to several lakhs if it involves complicated surgeries or long-drawn-out treatments for diseases such as cancer. In such cases, the treatment itself can threaten your way of life by eating into your savings. If an illness hits you or your family member early in your life, most of your earnings will go into financing the treatment, leaving you very little to save for your future. It is not just the treatment or the expensive surgery but the regular care that the patient needs, in some cases for life, that adds to the cost. Regular care includes the cost of prescription drugs, doctor consultation, physiotherapy, follow-up health checks, and regular diagnostic tests.

All the above compounds the stress and difficulty of a severe illness or an unforeseen medical condition. With a comprehensive health insurance plan, you won't have to worry about financial difficulties and focus on getting the right treatment for your loved one, irrespective of the cost.

The general principle of insurance is to shield you from the uncertainties of life. While life insurance provides a financial buffer to your family if you lose your life, health insurance provides you and your family a cushion to ease the burden of cost in the event of a medical emergency.

How To Choose The Right Health Insurance

When you are looking to get a good health insurance plan in India, there are a few things that you need to take into account before zeroing in on a policy:

Evaluate your insurance provider: Check your insurance providers' financial strength and claim settling capability. See if the provider and the policies have good ratings by industry experts and also check customer reviews.

Check for the network of hospitals it covers: his is a crucial aspect to check as your insurance would be useless if you are admitted to a hospital that doesn't recognise the policy. Make sure that the insurance provider has the widest network of doctors and hospitals available for treatment. Check all the hospitals in your city and especially those that are in the vicinity of your home and your office.

Waiting Periods: Always check health insurance policies and medical insurance schemes with lower waiting periods. Your policy doesn't get activated until this period is not completed; hence the period must be as short as possible.

How To Initiate A Claim Settlement

At Liberty General Insurance, we believe the time is precious and are committed to not only ensure that your claim is settled at the earliest but also to render support and be by your side in your hour of need.

How to register a claim?

To register a claim, please follow the below options:

Call at our toll-free Number 1800 102 7477 (between 8:00 am to 8:00 pm, seven days of the week)

Mail us at health360@libertyinsurance.in

We have a network of 5000+ hospitals to ensure you receive hassle-free cashless treatment in your vicinity. Corporate customers can also avail themselves of a cashless facility in addition to the current TPA network. If you have any concerns, feel free to write to health360@libertyinsurance.

Here is an indicative list of documents required for all kinds of claims:
In-patient Treatment/Day-Care Procedures

Duly filled and signed claim form.

Photocopy of ID card/photocopy of current year policy.

Original detailed discharge summary/day-care summary from the hospital. Original consolidated hospital bill with bill number with a break up of each item, duly signed by the insured.

Original payment receipt of the hospital bill with a receipt number.

First Consultation Letter and subsequent prescriptions. Original bills, original payment receipts and reports for investigation supported by a note from the attending Medical Practitioner/ Surgeon demanding a particular test.

Surgeons' certificate stating the nature of the operation and the surgeons' bills and receipts.

Attending doctors/ consultants/specialist's/anaesthetist bills, receipts and certificates.

Original bills and receipts with corresponding prescriptions.

Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts.

Hospital Registration Number and PAN details from the hospital.

Doctors' Registration Number and Qualification of the doctor.

Road Traffic Accident

All documents mentioned for In-patient Treatment documents.

Copy of the First Information Report from the Police/ Copy of the Medico-Legal Certificate.

In Non-Medico legal cases

Treating Doctor's Certificate giving details of injuries (How, when and where injury sustained)
In Accidental Death cases

Copy of Post Mortem Report (if conducted) & Death Certificate
For Death Cases

All documents mentioned for In-patient Treatment documents.

Original death summary from the hospital.

Copy of the death certificate from the treating doctor or the hospital authority.

Copy of the legal heir certificate if the claim is for the death of the principal insured.

Pre and Post-hospitalisation expenses

Duly filled and signed claim form.

Photocopy of ID card / Photocopy of current year policy.

Original Medicine bills, original payment receipt with prescriptions.

Original Investigations bills, original payment receipt with prescriptions and report.

Original Consultation bills, original payment receipt with a prescription.

Copy of the Discharge Summary of the main claim.

Ambulance Benefit

Duly filled and signed claim form.

Photocopy of ID card / Photocopy of current year policy.

Original Bill with Original Payment Receipt.

Treating doctor's consultation prescription indicating Emergency Hospitalisation.

Why Should You Get Health Insurance When You Are Young

Health, medical emergencies, and health insurance are not priorities for young adults. The next new mobile phone or gadget, travel, and other more interesting things take precedence in their lives. However, keeping an eye on the future and securing it has long term payoffs.

Here are some reasons why young need health insurance.

Ever-increasing cost of healthcare: In India, the cost of healthcare has been on the rise and will continue to rise in future. Healthcare inflation increased from 4.39 per cent in 2017-18 to 7.14 per cent in 2018-19. Purchasing health insurance when one is young makes healthcare affordable when they are older and need it most. Insuring at a young age makes premium payments easier as responsibilities are lower, such as children care, home loans, parent care, etc.

Reap the benefits of better coverage for lower premiums: The premiums for young health insurers are low because there are no pre-existing health conditions. Purchasing healthcare gets more challenging with age. The range of plans and the extent of coverage available to the young insurer is also vast. Some plans cover OPD consultations, short procedures, vector-borne diseases, and even maternity expenses. In this day and age, jobs aren't secure. Besides, many people turn to self-employment, business or freelancing when middle-aged. A young insurer can avail of more comprehensive plans that provide higher security in case of unemployment or disability due to illness or accidents.

Waiting period? No problem: All health insurance policies have a waiting period of one to three months before the insurer can make any claims for medical problems. As the chances of any significant health emergency are lower when one is young, this waiting period is inconsequential.

Make the most of bonuses: Health insurance plans offer a no-claim bonus each year. If one starts accumulating the bonuses at a young age, they can be a blessing in case of medical emergencies or when the insurer is old and needs medical attention.

Enjoy the tax benefits: Premiums payments for health insurance are eligible for tax deductions. Thus the burden of paying premiums is reduced for the insurer. Younger you are, the longer you can enjoy the tax benefits of health insurance.

Top Myths About Health Insurance

There are a lot of misconceptions about health insurance and the way it works that often leads to problems at the time of claims settlement. Let's see some of the major myths about health insurance:

I am young and healthy, so I don't need health insurance: A common misconception among people across the world is that the young are all healthy. But statistics from the World Health Organisation (WHO) show otherwise. Approximately 2.6 million young people between the ages of 10 and 24 die every year, and many more suffer from illnesses because of environmental and lifestyle reasons. The options available to them and their choice of lifestyle make them susceptible to both communicable and non-communicable health problems. These health issues can be a result of substance use, injuries, pollution, sexually transmitted infections, unhealthy diets rich in sugars, fat and fast food addictions, work-life balance, and so on. Planning and providing for medical emergencies is essential not just for the middle-aged and the elderly but also for young adults.

Health Insurance is a tax saving instrument: One of the worst things you can do is buy health insurance only to save tax. While the Income Tax Act has a separate section for health insurance, it is to promote the culture of having insurance and not for it to be used solely for tax saving purposes.

My employer provides health insurance, so I don't need one: Most employers today cover their employees through a group cover. However, this may be insufficient, so do check what the terms and conditions are to avail the same. Moreover, if you move from the organisation, you will no longer have the cover.

I am entitled to all policy coverage from Day 1: Most insurance schemes have waiting periods. You must check these before selecting a scheme. In some cases, certain diseases are only covered after a certain time has passed. Maternity plans often have a waiting period of over nine months.

I lose benefits if I don't renew my insurance before the due date: While it is essential to renew your insurance to maintain continuity, you need not worry if you don't meet the deadline. Insurance can be renewed up to 15 days from the due date, and all the benefits will be carried forward into the new year.

Key Tips While Choosing Health Insurance Scheme

There are several health insurance policies in the market, and they seem extremely complicated. It is important to choose the right one before committing to a long relationship with your insurer. At Liberty General Insurance (LGI), we have a transparent system of providing all information about our policies so you can make the right choice.

However, here are some general tips while choosing a medical or health insurance scheme:

Understand your Requirements: At different stages of your life, you may have different requirements or needs. As a young person, you may only need health insurance for yourself or might need to have your parents as dependents. If you are planning to get one for the family, different members may have different requirements. All these need to be kept in mind while selecting an insurance policy.

Assess Coverage Limit: A major mistake that most Indians make is not getting adequate coverage. This can prove to be disastrous, especially given that healthcare costs have been increasing with each passing year. You must inquire about the cost of hospitalisation and the cost of surgeries, etc., before making a rough assessment. Several experts state that if you are living in a tier 1 city, then you should have a coverage of around Rs. 10 lakh.

Buy Health Insurance as soon as possible: As mentioned above, there are clear advantages of buying health insurance when you are young. But this does not mean that you don't take health insurance if you hit middle age. If you don't have insurance, get one as soon as you can to secure your future.

Ensure that you understand the Terms & Conditions: It can't be stressed enough how important this point is. It is not just enough to just read them but also to understand them as a lot of the processes and procedures will become clear. If you don't understand any point, you must check with someone in the insurance company.

Do not furnish inaccurate information: While filling out your application for health insurance, be honest about any health ailments that you may already have. Moreover, if you are a smoker or have other lifestyle habits that may affect your premiums, then do not hide it. All the details furnished need to be correct and true as inadequate information or incorrect information can lead to delayed payment or non-payment of your claim.

Factors That Decide Your Premium

Health insurance premiums increase over time. Here are the major factors that play a role in calculating your premium:

Age: It is the most significant factor in calculating your premium. As mentioned above, it is in your best interest that you buy health insurance while you are young as you are less likely to have pre-existing medical ailments; as a result, your premium can be lower.

Medical History: A pre-existing health condition or ailment is one that you already had before opting for your health insurance policy. If you have such a health condition, it may increase your premium. In case there is a family history of a particular ailment such as diabetes, that too could increase your premium. However, do not make the error of not declaring such ailment as it may lead to a claim being denied in the future.

Location: Generally speaking, if you reside in a Tier 1 city, then your premiums would be higher than what you would pay for the same insurance cover in Tier 2 and Tier 3 city. This is largely because the cost of treatment and hospitalisation is much higher in Tier 1 cities.

Body Mass Index: While calculating your premiums, insurance providers also factor in your body mass index (BMI). Those with a high BMI are at risk of a host of ailments such as high blood pressure, joint pains, hypertension, cardiac conditions and type 2 diabetes.

Lifestyle: If you are a heavy alcohol consumer or consume tobacco regularly, then your premiums could be higher as you will be deemed a high-risk individual. While smoking tobacco can lead to respiratory problems, chewing tobacco could lead to cancer. This is the reason why a higher premium is demanded.

Important Aspects To Check While Buying Health Insurance

Get an adequate sum insured: Several studies and health experts have stated that the majority of Indians that have opted for health insurance are underinsured, i.e. they do not have the cover to meet the expenses in the event of a major illness or a serious accident. This essentially puts them all at risk of financial distress as they may well end up paying a significant amount of the incurred medical expenses from their savings. Factor in all the family responsibilities while keeping in mind other factors like age, healthcare costs as well as location. If you're living in a Tier 1 city, then you need to get a cover of around Rs. 10 Lakhs. In smaller cities and towns, the cover can be slightly lower.

Understand various parameters such as sub-limits, co-payments and waiting periods: Health insurance and medical insurance policies in India have certain parameters that you need to keep in mind before opting for the scheme and understand that ramifications.

Sub-limits:Often a significant bone of contention with the insured and the insurance company, sub-limits are caps on specific aspects of a medical procedure or treatment. This includes room rent, surgeries, ICU charges, operating charges and other medical procedures. This means that for certain specific procedures, one can only avail of a portion of the sum insured and not all of it. You must review the sub-limits of any insurance scheme you opt for.

Co-payment:In a co-payment scenario, you bear part of the claim amount from your finances while the insurance company bears the rest.

Waiting Periods:Another crucial aspect that you must check as many illnesses and procedures may not be covered until a few years. Typically, there is a waiting period of around 30 days after a successful application of insurance that is for all illnesses and surgeries.

Claim settlement process: In the aftermath of an illness or surgery, you should not have to struggle to process a claim and get the reimbursement that is rightfully yours. This is a crucial aspect before choosing any insurance scheme. A convoluted and time-consuming claim settlement process can be mentally and physically exhausting-we at LGI pride ourselves in having a transparent and hassle-free claim settlement process.

Hospital Network of TPA/Insurance Company: Health insurance is useless if you are treated in a hospital that is not covered under your scheme or by your company. Check the list and the details of the hospitals that the insurance company has mentioned. Pay closer attention to the hospitals in your city, in particular those in the vicinity of your home. It is equally important that the insurance company has a vast hospital network

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Health Insurance - Buy medical insurance policy online in India. LGI offers affordable health insurance plan to cover all your medical needs with ✓ 5000+ Hospitals ✓ Tax Benefits ✓ Free Look Period

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Long Term Two Wheeler Insurance Policy in India | LGI

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Long Term Two Wheeler Insurance Policy in India | LGI

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The Long-Term Two Wheeler policy covers you against damages that your bike or scooter may incur due to any unforeseen events. Know more at LGI

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Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall bear the Depreciation amount deducted on the value of the parts replaced as a result of admissible claim under Own Damage Section.

Conditions: a) Insured Vehicle should be repaired at any of Company's authorized Garage.

* For the purpose of this Cover the expression 'admissible claim' shall mean an event or series of events arising out of one cause in connection with the vehicle insured in respect of which indemnity is provided under this policy.
Consumables Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company agrees to cover expenses incurred towards "those items or substances of specific use which at the time of loss are either totally consumed or deemed unfit for further use in the vehicle" arising out of damage to the vehicle insured and/or to its accessories caused by insured peril under the basic Two Wheeler Package Policy.

Consumables shall mean those items or substances which have specific use and when applied to their respective uses are deemed to be consumed completely and/or are deemed to be unfit for future use. These items include grease, lubricants clip, air conditioner's gas, bearings, engine oil, oil filter, fuel filter, break oil, nut and bolt, screw, washers and the like.

Subject otherwise to the terms, conditions, exceptions and limitations of the policy.
Special Conditions applicable:

a) The cover under this add-on will be available only for vehicles upto the maximum age of ___ years.

b) For any claim to become payable under this add-on, it should be admitted under Own Damage Section of the Policy.

c) All such costs to be supported with proper bills/invoices only from Garages authorized by the company.

d) Such repairs to be undertaken within three (3) days of date of loss.

Gap Value Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the Policy Schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall pay the "difference amount" between the amount received under Own Damage (OD) Section i.e. Insured Declared Value (IDV) less deductibles under the policy AND price as per purchase invoice OR the current Replacement Value of vehicle if the same make model is available, whichever is less in the event of a Total Theft or Total Loss/ Constructive Total Loss (CTL) of the vehicle.

It also covers the Road Tax and first time registration charges if specifically declared and additional premium is paid.

Maximum liability to the company is limited to the sum insured mentioned in the policy schedule.
Special Conditions applicable to this benefit:

a) The vehicle insured is not more than ___ years old on the date of commencement of the policy period.

b) The Total Theft or Total loss / Constructive Total Loss of the vehicle should be admissible under Own Damage Section of the policy.

c) Insured should be the first registered owner of the vehicle as per RTO records.

d) GAP Value SI = Current Ex showroom price + Registration Charges (if opted) + Road Tax (if opted)

Roadside Assistance Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the company shall provide "Roadside Assistance" in case of breakdown of the insured vehicle upon his request, with a maximum of four claims related to any one or more of the following emergency assistance services during the Policy Period through the authorized vendor. The services provided under the Roadside Assistance are as under:
Special Conditions:

a) All additional expenses regarding replacement of a part, additional Fuel and any other service which does not form a part of the standard services mentioned above would be on chargeable basis to the insured.

b) This assistance service shall get initiated based on specific request by the insured.

c) Below service can be availed only once during the policy period:

i. Assistance in case of lost keys

ii. Arrangement of emergency fuel in case the vehicle runs out of fuel

Territorial Scope:
The territorial scope of the Emergency and Additional Assistance Services provided will be within a radius (in Kms) (as mentioned in above given coverage table) from the Place of Breakdown to nearest applicable vendor or cities within the Republic of India excluding islands for the coverage limit mentioned under each service. Cost of Services beyond coverage limits as mentioned against each service shall be borne by the customer.
Engine Safe Cover
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover the consequential damage to the internal child parts of the engine of the Insured Vehicle arising out of water ingression / leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakage of lubricating oil due to Accidental means. Under this cover, the company will compensate insured for the following:

a) Repair or replacement of the internal child parts of the engine such as pistons, connecting rods, crank shaft and cylinder head.

b) Repair or replacement of the internal parts of the gear box such as gears or shafts in the gear box housing.

c) Labour cost incurred by insured to overhaul the damaged engine and gear box

Conditions:

A) Claims made by insured against Company under 'Engine Safe' are subject to the conditions set forth under the Motor Insurance Policy.

B) Claims made by insured against company under 'Engine Safe' would be admissible if:

I. There is evidence that the Insured Vehicle stopped in water logged area resulting into damage to the internal parts of the engine due to water ingression

II. There is evidence of under carriage damage to engine and/or gear box leading to oil leakage and resulting into damage to internal parts of the engine and/or gear box

III. The loss or damage is not payable under Motor Insurance Policy.

C) In case of transfer of ownership of the Insured Vehicle, the cover under 'Engine Safe' shall expire

Insured's Obligations

I. Insured should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoidable, the vehicle should be driven in low gear and/or high engine RPMs.

II. Insured should not try to crank or push start the engine once the Insured Vehicle had stopped in the water logged area or undercarriage damage had taken place.

III. Insured should intimate company to obtain help.

Exclusions
Company will not be liable to indemnify insured for the following:

1. Where a loss is covered under any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any other such packages at the same time.

2. Any consequential loss apart from the damage to the internal child parts of the engine due to water ingression/ leakage of lubricating oil and/or damage to gear box arising out of leakage of lubricating oil due to Accidental means.

3. Cost of engine oil and consumables in case of flushing of engine.

4. Loss or Damage including corrosion of engine due to delay in intimating company or delay in retrieval of the Insured Vehicle from the water logged area.

5. Where reasonable care has not been taken by insured to protect the loss or damage to the Insured Vehicle.

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Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall bear the Depreciation amount deducted on the value of the parts replaced as a result of admissible claim under Own Damage Section.

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Two Wheeler Annual Bike Insurance Policy in India | LGI

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Two Wheeler Annual Bike Insurance Policy in India | LGI

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Buy Bike Insurance Policy Annual Plan Online in India and insure your bike at Liberty General Insurance. Visit now

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Thanks Manish

Dear Mr. Dharma - I would like to thank your company personnel at the customer services division for their excellent support. Your customer care executive, Manish Bhatia took care of all my queries in a very courteous and professional manner.

Would also like to thank Mr. R Rajkiran from 'Invee Intelligence Private Limited' and Mr. Umesh for taking this issue to closure.

Keep up the good work.

Majid Hashmat

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Thanks Manish Dear Mr. Dharma - I would like to thank your company personnel at the customer services division for their excellent support. Your customer care executive, Manish Bhatia took care of all my queries in a very courteous and professional manner.

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Two Wheeler Insurance: Renew Bike Insurance Online | LGI

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Two Wheeler Insurance: Renew Bike Insurance Online | LGI

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Liberty General Insurance has a very easy process for bike insurance renewal and it could be done online easily. Visit now to know more

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage. In case your policy has already expired, for renewal please write to us at care@libertyinsurance.in If your policy is yet to expire you may continue to renew it through our website or LivMobile App.

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Two Wheeler Insurance Renewal | Renew Bike Insurance Online - Liberty General Insurance

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage.

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Check the affordable bike and 2 wheeler insurance quote is now easier with Liberty General Insurance. Visit now to get the best price

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Get New Bike Insurance |Two Wheeler Quote Online - Liberty General Insurance

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Check the affordable bike and 2 wheeler insurance quote is now easier with Liberty General Insurance. Get a Bike Quote with best prices & Premium Now.

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Two Wheeler Insurance: Buy/Renew Bike Insurance Online at LGI

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Two Wheeler Insurance: Buy/Renew Bike Insurance Online at LGI

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Two-wheeler insurance is an insurance plan focused on protection and coverage for bikes Get the best Two wheeler Insurance at LGI. Visit now

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Liberty General Insurance is a leading general insurance provider in India, with over 91% of all two-wheeler claims settled in the last financial year. Over 1200 dedicated employees, spread across over 110 locations in 29 states and 95 cities in India, provide comprehensive and dedicated support to service all your insurance needs. With over 4300 partner garages and 5000+ partner hospitals as part of an ever-growing network, Liberty General Insurance continues to increase its reach and influence in India while offering solutions to customers across a broad spectrum. Other offerings from Liberty General Insurance include health and personal accident insurance, car insurance, employee compensation insurance, commercial insurance, marine insurance, and fire, and engineering insurance, along with a host of customisable insurance products.

The insured declared value (IDV) of motorcycles, bikes, and scooters is the sum insured coverage provided as part of the bike insurance policy. The IDV is always based on the selling price listed by the manufacturer of the vehicle, the brand, and the model or variant at the time of commencement of the insurance policy or during renewal. This amount is also adjusted for depreciation.

IDV represents the current market value of your motor vehicle. When a claim is made, this is the maximum amount that can be expected by the insured party.

Understanding how to calculate your two-wheeler insurance premium on the Liberty General Insurance website is easy:

You can click here to navigate directly to the page or go to the homepage.

From there, you can click on the two-wheeler tab and select the buy online or renew LGI policy button, depending on your requirement.

After this, you will need to provide some necessary information about the motorcycle, its make, and some contact details and personal information.

You can then access the quote for your motorcycle based on the information provided by you.

As part of the new digital initiatives at Liberty General Insurance, you can also choose to receive updates on your policy after purchase directly via WhatsApp.

You can also reach out to our customer support teams with queries related to your two-wheeler insurance premium.

In India, it is mandatory to have at least third-party insurance cover, to protect against damage caused to others or their property in case of an accident. Third-party insurance cover is one of the main types of bike insurance available in the country. It protects the insured party from legal liabilities associated with the death/disability to third parties. Motorcycle insurance also secures the insured party against damage or loss caused to property. These policies also provide personal accident coverage for the insured party. There is no payout under third party cover when the motorcycle is lost, stolen, or damaged.

With effect from September 2018, the sum insured is now increased to Rs.15 lakh, rather than the original Rs.1 lakh.

Third-party liability for new vehicles is mandatory for a term of at least 5 years. Personal accident cover can be availed for a minimum of 1 year to a maximum of five years.

Personal accident coverage for the insured party is payable regardless of the vehicle in use at the time of the claim. So for people with more than one vehicle, motorcycle insurance, which includes personal accident cover, would automatically be in effect in case of accidents, regardless of the vehicle they were using at the time.

To learn more about the third party insurance policies available with Liberty General Insurance, click here.

Comprehensive motorcycle insurance policies are different, ad cover the liabilities covered by third party insurance while also offering additional protection to the two-wheelers and the insured party. There may be add-ons which are added to the comprehensive cover for two-wheeler insurance, and those that opt for long-term comprehensive motorcycle insurance policies may also have additional benefits such as:

Premium rate hike protection - where insurance charges do not rise dramatically

No claim benefit - where if no claims are made during the policy period, a rebate is offered on renewal

Long-term coverage - where one-time payments provide security for a period longer than one year.

If you would like to learn more about Liberty General Insurance's comprehensive motorcycle insurance policies, click here.

Buying bike insurance online offers a host of benefits such as:

Time savings - Think of a time when you had to go specifically to a branch to get your insurance. Thanks to two-wheeler insurance online, you can now smoothly insure your vehicle from the comfort of your smartphone or computer at your convenience.

Safety and security - When you submit your two-wheeler insurance information online, it remains completely safe and secure. With multiple protections to safeguard your data and financial details, providing data and making payments towards your two-wheeler insurance online is easier than ever before.

Customisation - If you want to purchase add-ons along with your two-wheeler insurance online, you can do so with ease.

Switching insurers - If you get a more competitive offer from another insurance provider or feel that better coverage is being offered, you can easily switch your insurance policy over to the other organisation at the time of renewal.

Transparency - All the details are available at the time when you purchase bike insurance online. This visibility ensures that you know all the terms and conditions and that no undue influence is exerted when you apply for your insurance.

(The term two wheeler referred to in this Policy will include motor cycle/scooter/auto cycle or any other motorized two wheeled vehicle mentioned in the Schedule.) Now This Policy Witnesseth: That subject to the Terms Exceptions and Conditions contained herein or endorsed or otherwise expressed hereon.

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Two Wheeler Insurance - Buy / Renew Bike Insurance Policy Online | Liberty General Insurance

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Two Wheeler Insurance - Now buy Online Two Wheeler Insuarance for Old and New Motorbikes at an attractive price. LGI offers easy to apply bike insurance policy in India with facilities like ✔cashless claims, ✔ cover for third-party liability, and ✔ roadside assistance coverage. Apply now!

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Motor Car Insurance Renewal | Renew Four Wheeler Insurance Online - Liberty General Insurance

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Motor Car Insurance Renewal | Renew Four Wheeler Insurance Online - Liberty General Insurance

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Online car insurance renewals are quick and convenient. Enter your existing policy number and you can check the coverage details. Visit now to know more at LGI

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage. In case your policy has already expired, for renewal please write to us at care@libertyinsurance.in If your policy is yet to expire you may continue to renew it through our website or LivMobile App.

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Motor Car Insurance Renewal - Renew Four Wheeler Insurance Online - Liberty General Insurance

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage.

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Get New Car Insurance Quote Premium & Prices Online in India | LGI

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Get New Car Insurance Quote Premium & Prices Online in India | LGI

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Get the affordable new car insurance quote is now easier with Liberty General Insurance. Visit now to get the best Car Insurance Quote

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Get New Car Insurance Quote Premium & Prices Online - Liberty General Insurance

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Get the affordable new car insurance quote is now easier with Liberty General Insurance. Get a 4 wheeler Quote with best prices & Premium Now.

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Buy a car insurance policy online at LGI

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Buy a car insurance policy online at LGI

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A car insurance policy helps you keep yourself financially secured against the own-damage expenses of your car. Visit now to know more about Car Insurance

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Car Insurance: Buy / Renew Private Car Insurance Policy Online in India | Liberty General Insurance

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Car Insurance Online - Buy car insurance or renew your existing four wheeler insurance policy with LGI companies in India. Our private car policy provides protection to the Old and New Car against damages & any third party liability as determined by the law. Get instant quotes now!

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Online General Insurance Plans In India | LGI

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Online General Insurance Plans In India | LGI

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General Insurance: Explore online general insurance plans in India for health, motor, travel & more offered by Liberty General insurance. Visit Now

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Car Insurance

Liberty General Insurance offers various online insurance policies
and car insurance renewal policies

Two Wheeler Insurance

Liberty General Insurance Offers Two Wheeler Annual and Multiyear policies.

Health Insurance

Your responsible health insurance companion,
for best health care

Individual Personal Accident

Life is Precious, Secure it.

Helping people live safer, more secure lives"

5800+ Partner Hospitals

Illness does not wait for you to get home before affecting you. That is why Liberty General Insurance has a huge network of partner hospitals spanning the entire country, making sure that you can receive the required healthcare assistance, no matter where you are.

Know More

5500+ Partner Garages

The point of having a vehicle is to travel. And when you travel, a breakdown can plague you anywhere. That is why Liberty General Insurance has partnered with more than 5500 garages, spread across the length and breadth of the country, so that you may get your car troubles addressed without worrying about financial repercussions.

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110 Offices all over the India

You can visit the Liberty General Insurance offices, which are spread over 90 locations, where trained agents can help you find the right coverage for your requirements. No matter what help you require, a Liberty General Insurance agent can assist you in finding the perfect insurance solution.

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Corporate Video

Awards

At Liberty General Insurance, with each passing year, we have improved our promises by providing the finest insurance services to our customers, for which, we've been awarded some prestigious recognition through -

1. "Rising star Insurer" title at the Indian Insurance Awards

2. "Employer of Choice" by Excellence Awards

3. "Best Emerging Organization in BFSI" by Patel Group & Co

4. SAP Pinnacle Awards 2015

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Testimonials

Thanks for all the effort you made.

I really appreciate the work and dedication you have shown to your clients. Let me confess, I was not interested in liberty, but the dedication and promptness you have shown, made me change my mind. Wish you all the best,

keep this zeal high.

Ritesh

Many thanks for your support.

I place on record my sincerest appreciation for settling my claim with such a lightning speed.

Honestly, I did not expect that I would be getting the refund so quick.

Thanks again,

SS Janakarajan

Dear Akash,

Good day...!

We are thankful for your esteemed support in receiving the Insurance amount for our Stationary store, which was under serious damage during the Kerala flood happened in August 2018. We have restarted the business and we are appreciating the timely support from your insurance company in recovering our losses..!

Raveendran Nair

Thanks for your quick response for liberty policy to my vehicle.

I appreciate your personal care and communication.

Manju Mukesh

Media Centre

Liberty Mutual Insurance Group Announces
New Joint Venture Partnership for Indian
Company

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Articles

Difference between Multi Year & Single Year Two-wheeler Insurance

Chances are that you are among a large number of people who forget to renew their vehicle insurance ....

Why Liberty General Insurance

"Helping people live safer, more secure lives"

5800+ Partner Hospitals

Illness does not wait for you to get home before affecting you. That is why Liberty General Insurance has a huge network of partner hospitals spanning the entire country, making sure that you can receive the required healthcare assistance, no matter where you are.

Know More

5500+ Partner Garages

The point of having a vehicle is to travel. And when you travel, a breakdown can plague you anywhere. That is why Liberty General Insurance has partnered with more than 5500 garages, spread across the length and breadth of the country, so that you may get your car troubles addressed without worrying about financial repercussions.

Know More

94% Claim settlement ratio FY'2019-20

Though a minor car accident or hospital admission for some illness can be an emotional experience, we can assure that our claim process will not be. Our team of agents can help you with all that you need to do to put in a claim, making sure that the entire process is hassle-free.

110 Offices all over the India

You can visit the Liberty General Insurance offices, which are spread over 90 locations, where trained agents can help you find the right coverage for your requirements. No matter what help you require, a Liberty General Insurance agent can assist you in finding the perfect insurance solution.

Know More

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Liberty General Insurance: Help People Live Safer with More Security

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Liberty General Insurance offers various online insurance policies and car insurance renewal policies Liberty General Insurance Offers Two Wheeler Annual and Multiyear policies. Your responsible health insurance companion,for best health care Life is Precious, Secure it. Illness does not wait for you to get home before affecting you.

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Fiat Car Insurance: Buy/Renew Fiat Insurance Online

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Fiat Car Insurance: Buy/Renew Fiat Insurance Online

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Get FIAT Car Insurance from Liberty General Insurance and Enjoy comprehensive & affordable protection for your FIAT Vehicle. Buy online & get instant coverage!

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About Fiat

Fiat has been synonymous with India after the launch of the Premier Padmini. However, in the late 1990s, Fiat began manufacturing cars such as the Fiat Uno, which had a Fully Integrated Robotised Engine.

Since then, Fiat has manufactured and sold cars in India such as the Palio, the Sienna, the Linea, the Punto, the Urban Cross, and the Avventura.

The car has been popular given it's pick-up and ability to cruise on highways, making it a big name amongst automobile enthusiasts. Of course, with a Fiat, you need to get a car insurance policy that caters to your requirements, which is why you may want to consider Liberty General Insurance.

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Fiat has been synonymous with India after the launch of the Premier Padmini. However, in the late 1990s, Fiat began manufacturing cars such as the Fiat Uno, which had a Fully Integrated Robotised Engine. Since then, Fiat has manufactured and sold cars in India such as the Palio, the Sienna, the Linea, the Punto, the Urban Cross, and the Avventura.

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Buy & Renew Datsun Car Insurance Online | LGI

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Buy & Renew Datsun Car Insurance Online | LGI

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Datsun car insurance by LGI offers amazing features at exciting benefits. Get the best Datsun Car Insurance Online from Liberty General Insurance. Visit Now

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About Datsun

Owned by Nissan, Datsun's legacy began in 1911 in Japan. Popular for its affordable series of hatchback cars, Datsun has a significant presence in America, Europe, and Asia. Datsun's remarkable series includes automatic and manual driving mode cars, and soon will also have an eco-friendlier electric version.

The Datsun brand is known for its durable and attractively designed cars as well as its integrity and trustworthiness. Datsun helps the youth to pursue their dreams, by enabling their social and physical mobility. Datsun truly stands for Dream, Access, Trust.

Datsun first came to India in 2013 and ever since, has been one of the leaders in the affordable car market.

Datsun's competitive ranges and affordable cars has made it one of the most popular car options in India. While purchasing your Datsun, it is also natural that you will want to get a comprehensive car insurance policy that caters to your individual needs and requirements. With Liberty General Insurance, that option isn't far away.

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service provider of datsun car insurance

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Owned by Nissan, Datsun's legacy began in 1911 in Japan. Popular for its affordable series of hatchback cars, Datsun has a significant presence in America, Europe, and Asia. Datsun's remarkable series includes automatic and manual driving mode cars, and soon will also have an eco-friendlier electric version.

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Buy/Renew Tata Car Insurance Online | LGI

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Buy/Renew Tata Car Insurance Online | LGI

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Liberty General car insurance policy is one of the most sought car insurance plans in India. Get the Best tata Car Insurance at LGI. Visit now

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Tata entered the automobile market with the Tata Sierra, Tata Mobile and Tata Estate. They then went on to manufacture the Sumo and Safari before entering the small car market with the iconic Indica. Today, Tata not only is one of the leaders in the automobile sector, but also boasts of some of the safest cars in the country.

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Buy/Renew Volkswagen Car Insurance Online at LGI

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Buy/Renew Volkswagen Car Insurance Online at LGI

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Secure your Volkswagen vehicle with our motor insurance and finance products, and get exclusive benefits. Get the best Volkswagen Car insurance at LGI. Visit now

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About Volkswagen

With a name that translates to 'People's Car', Volkswagen is one of the pioneers in the automobile industry. Founded and headquartered in Germany since 1937, Volkswagen has a car for everyone, for every need.

A true Volkswagen can be identified by its flawless manufacturing. Seamless roof to body welding, use of 100% galvanised steel, and a thorough evaluation by robots ensure a zero- body error, meaning that your Volkswagen will look new for years to come.

With so many options, and its popularity in the mid to high-range market, it's only natural that you may want to get a comprehensive car insurance policy for your Volkswagen automobile.

With LGI offering a comprehensive car insurance policy and having several unique features, you may want to consider a unique policy for yourself.

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service provider of volkswagen car insurance

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With a name that translates to 'People's Car', Volkswagen is one of the pioneers in the automobile industry. Founded and headquartered in Germany since 1937, Volkswagen has a car for everyone, for every need. A true Volkswagen can be identified by its flawless manufacturing.

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Car Insurance in Ahmedabad - Buy/Renew Policy Online at LGI

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Car Insurance in Ahmedabad - Buy/Renew Policy Online at LGI

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Liberty General car insurance policy reimburses accidental expenses and provides for cashless repair in select garages across Ahmedabad. Visit LGI and get the best Car Insurance in Ahmedabad.

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Best Car Insurance in Visakhapatnam 2022 | LGI

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Best Car Insurance in Visakhapatnam 2022 | LGI

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With an LGI policy, car owners in Visakhapatnam can rest assured about quick, reliable and transparent assistance whenever required. Visit LGI and get the best car insurance in Visakhapatnam

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About Car Insurance in Visakhapatnam

Visakhapatnam, also known as Vizag, is the only natural harbour on India's east coast. With a GDP of almost $ 44 billion (as per 2016 data) Visakhapatnam is one of the 100 fastest growing cities in the world and the 9th richest city in India. Home to the headquarters of the Indian Navy's Eastern Command, the city also boasts of the oldest shipyard in the country and a submarine museum. With a green cover of almost 30 per cent, the city's beaches, caves and wildlife sanctuaries make it a major tourist attraction. For car owners in this city, LGI offers a host of car insurance policy options which are easily available online. While basic third party insurance is mandatory across the country for all cars, there are a host of other policy options to choose from. Insuring your precious vehicle is important because in the unfortunate event of an accident or mishap, the last thing you need to worry about is whether you can pay for the damage. Choosing the right insurance provider is as important as selecting the right policy for your car. With an LGI policy, car owners in Visakhapatnam can rest assured about quick, reliable and transparent assistance whenever required. With a daily helpline, an online premium calculator and a garage locator listing LGI partner garages, your vehicle is in safe hands.

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car insurance companies in visakhapatnam

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car insurance providers in visakhapatnam

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Car Insurance in Visakhapatnam: Buy/Renew Car Insurance Policy in Visakhapatnam | Liberty General Insurance

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Visakhapatnam, also known as Vizag, is the only natural harbour on India's east coast. With a GDP of almost $ 44 billion (as per 2016 data) Visakhapatnam is one of the 100 fastest growing cities in the world and the 9th richest city in India.

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Car Insurance in Surat: Buy/Renew Car Insurance Policy Online | LGI

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Car Insurance in Surat: Buy/Renew Car Insurance Policy Online | LGI

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Buy or Renew your Car Insurance in Surat from LGI. Get instant car insurance quotes and compare the premium to find the best car insurance. Know more at LGI

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About Car Insurance in Surat

Surat is a port city in eastern Gujarat, near the mouth of the Tapti River which flows into the Arabian Sea. Famous for its diamond cutting and polishing industry, it is often called the Diamond City of India. Renowned for its intricate silk weaving industry, the city remains a major textile center and industrial hub of Gujarat. Once known for its dirty, filthy streets, Surat changed dramatically after it was struck by plague in the early 1990s. Since then, it has consistently ranked as one of the cleanest cities in the country for the past two decades.

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Car Insurance in Surat: Buy/Renew Car Insurance Policy in Surat | Liberty General Insurance

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Surat is a port city in eastern Gujarat, near the mouth of the Tapti River which flows into the Arabian Sea. Famous for its diamond cutting and polishing industry, it is often called the Diamond City of India. Renowned for its intricate silk weaving industry, the city remains a major textile center and industrial hub of Gujarat.

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Car owners in Pune can get insurance policies from LGI which offer complete peace of mind in the unfortunate event of an accident or other natural mishap. Visit now at LGI

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About Car Insurance in Pune

Pune, the second largest city in Maharashtra after Mumbai, is also known as the "Queen of the Deccan." The seasonal capital of the Bombay Presidency during the British rule owing to its pleasant climate, it is now a popular tourist resort as well as a major educational and cultural centre. The city is also home to the Indian Army's Southern Command and the Lohagaon Air Force Station of the Indian Air Force, and is well connected to the state capital Mumbai by road, rail and air. Car owners in Pune can get insurance policies from LGI which offer complete peace of mind in the unfortunate event of an accident or other natural mishap which damages the vehicle. These car insurance policies range from the basic third party insurance which is legally mandatory to comprehensive covers which insure you against almost various forms of accidental damage. It is important to remember that the cheapest policies are not always the best for your vehicle, since the last thing you need to worry about in case of a mishap is whether your policy covers the damage. LGI's easy online premium calculator allows you to quickly arrive at the premium for your car based on your needs, and apply for instantly it without having to leave the comfort of your home or office.

You can also find a list of Liberty General Insurance-partnered garages at our garage locator

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Car Insurance in Pune: Buy/Renew Car Insurance Policy in Pune | Liberty General Insurance

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Pune, the second largest city in Maharashtra after Mumbai, is also known as the "Queen of the Deccan." The seasonal capital of the Bombay Presidency during the British rule owing to its pleasant climate, it is now a popular tourist resort as well as a major educational and cultural centre.

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Get car insurance in Nagpur and secure your vehicle. Buy/Renew car insurance policy online in Nagpur & enjoy various benefits. Visit now at Liberty General Insurance to buy car insurance in Nagpur

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About Car Insurance in Nagpur

Nagpur is the winter capital of Maharashtra, and the state's third largest city after Mumbai and Pune. Apart from being known for its oranges, the city is also famous for the Zero Mile marker, indicating the geographical center of India. Erected by the British who used this point to measure all the distances in colonial India; the Zero Mile Stone, located south east of the Vidhan Bhavan, comprises four horses and a sandstone pillar. Nagpur is also known for the Deekshabhoomi, the world's largest Buddhist hollow stupa, where the father of India's constitution BR Ambedkar converted to Buddhism on 14 October 1956. It is also the birthplace of Keshav Baliram Hedgewar, who founded the Rashtriya Swayamsevak Sangh there in 1925.

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Car Insurance in Nagpur: Buy/Renew Car Insurance Policy in Nagpur | Liberty General Insurance

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Nagpur is the winter capital of Maharashtra, and the state's third largest city after Mumbai and Pune. Apart from being known for its oranges, the city is also famous for the Zero Mile marker, indicating the geographical center of India.

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Buy/Renew Car Insurance Policy in Mumbai | LGI

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Buy/Renew Car Insurance Policy in Mumbai | LGI

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Get car insurance in Mumbai and secure your vehicle. Buy/renew the car insurance policy online at Liberty General Insurance. Visit Now to get the best Car Insurance in Mumbai

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About Car Insurance in Mumbai

Mumbai is one of the most populous metros in the world, and the number of cars purchased every day is just an indicator that the city is only growing. With every car purchase, there is also a need to get car insurance, and you need to choose a comprehensive car insurance policy that will meet your requirements.

Today, it's necessary to have the right car insurance that suits your requirements, as the car insurance keeps you financially well-covered. In a city such as Mumbai, which is one of the costliest cities in the country, this is more pronounced, as your vehicle is usually costlier than other parts of the country.

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Car Insurance in Mumbai: Buy/Renew Car Insurance Policy in Mumbai | Liberty General Insurance

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Mumbai is one of the most populous metros in the world, and the number of cars purchased every day is just an indicator that the city is only growing. With every car purchase, there is also a need to get car insurance, and you need to choose a comprehensive car insurance policy that will meet your requirements.

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Buy/Renew Car Insurance Policy in Lucknow | LGI

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Buy/Renew Car Insurance Policy in Lucknow | LGI

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Buy car insurance in Lucknow online from Liberty General Insurance. Compare and renew car insurance in Lucknow at best prices. Visit now at LGI to get the best car Insurance Policy in Lucknow

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Car Insurance in Lucknow: Buy/Renew Car Insurance Policy in Lucknow | Liberty General Insurance

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Lucknow Car Insurance: Get car insurance in Lucknow and secure your vehicle. Now Buy/Renew car insurance policy online in Lucknow & enjoy various benefits like Accidental Covers, Depreciation Cover & much more.

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Best Car Insurance in Jaipur from Liberty General Insurance

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Best Car Insurance in Jaipur from Liberty General Insurance

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LGI provides a comprehensive car insurance plan which covers its own damage along with third-party liability. Get the best Car Insurance in Jaipur from Liberty General Insurance. Visit now

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About Car Insurance in Kolkata

Often described as the "City of Joy," Kolkata, the capital of West Bengal, is a eclectic mix of colonial charm and the proverbial Bengali 'culture.' Famous for its street food, laid back people, and of course the annual Durga puja, which brings the entire city to standstill for a week, Kolkata is also home to iconic structures like the Howrah Bridge and Victoria Memorial. Once infamous for its chaotic traffic, the city now boasts one of the best managed traffic systems in the country. The cost of living in Kolkata is among the lowest in the country, which means most cars too are slightly less expensive to buy, run and maintain than in other metros. Since insurance is a must for any car to run on Indian roads, it is important to choose your policy wisely. LGI offers a range of car insurance policies in Kolkata which are optimised to suit your needs. From basic Third Party policies which only insure others involved in an accident with your car, to Comprehensive Policies which give you complete peace of mind.

You can also find a list of Liberty General Insurance-partnered garages at our garage locator

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Car Insurance in Kolkata: Buy/Renew Car Insurance Policy in Kolkata | Liberty General Insurance

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Often described as the "City of Joy," Kolkata, the capital of West Bengal, is a eclectic mix of colonial charm and the proverbial Bengali 'culture.' Famous for its street food, laid back people, and of course the annual Durga puja, which brings the entire city to standstill for a week, Kolkata is also home to iconic structures like the Howrah Bridge and Victoria Memorial.

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Car Insurance in Kanpur: Buy/Renew Car Insurance Policy in Kanpur at LGI

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Car Insurance in Kanpur: Buy/Renew Car Insurance Policy in Kanpur at LGI

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Get car insurance in Kanpur and secure your vehicle. Now Buy/Renew car insurance policy online in Kanpur & enjoy various benefits like Accidental Covers, Depreciation Cover

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About Car Insurance in Kanpur

Located on the west bank of the Ganga in Uttar Pradesh, Kanpur is famous for its leather and textile industries. Originally a small village called Kanpur in the 13th century, it is today an important industrial and commercial centre in Uttar Pradesh. The city boasts one of the oldest Indian Institutes of Technology, set up in 1959, and Ganesh Shankar Vidyarthi Memorial Medical College, a state-run medical college founded in 1956. It also home to three state run universities, including Chhatrapati Shahu Ji Maharaj University, one of the largest universities of Asia, with a wide variety of courses catering to urban and rural students. There are also several private technical and management institutions spread across the city.

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Car Insurance in Kanpur: Buy/Renew Car Insurance Policy in Kanpur | Liberty General Insurance

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Located on the west bank of the Ganga in Uttar Pradesh, Kanpur is famous for its leather and textile industries. Originally a small village called Kanpur in the 13th century, it is today an important industrial and commercial centre in Uttar Pradesh.

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Best Car Insurance in Jaipur at Liberty General Insurance

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Best Car Insurance in Jaipur at Liberty General Insurance

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Liberty General car insurance plan offers wide-ranging benefits and superior claim experience. Get the best Car Insurance in Jaipur from Liberty General Insurance.

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About Car Insurance in Jaipur

Jaipur is the capital of Rajasthan. Ruled by Rajput kingdoms for many centuries, it developed as a planned city in the 17th century. The old city is surrounded by walls and gates decorated with intricate drawings against a beautiful and unique pink hue, which has led to it being known as the Pink City. Apart from being home to a several UNESCO World Heritage sites like Jantar Mantar and Amer Fort, Jaipur is famous for its magnificent forts, palaces, temples and museums, as well its lively bazaars like Bapu Bazaar and Johri Bazaar, selling local handicrafts and trinkets. Local cuisine includes popular dishes like Ghewar, Pyaaz Kachori and Dal Baati Churma.

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Car Insurance in Jaipur: Buy/Renew Car Insurance Policy in Jaipur | Liberty General Insurance

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Jaipur is the capital of Rajasthan. Ruled by Rajput kingdoms for many centuries, it developed as a planned city in the 17th century. The old city is surrounded by walls and gates decorated with intricate drawings against a beautiful and unique pink hue, which has led to it being known as the Pink City.

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Buy Best Car Insurance in Hyderabad at Liberty General Insurance

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Buy Best Car Insurance in Hyderabad at Liberty General Insurance

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Buy/Renew Car Insurance in Hyderabad from Liberty General Insurance. Avail road side assistance & other services. Visit LGI to get the best Car Insurance in Hyderabad

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About Car Insurance in Hyderabad

Famous for its Nawabi culture and its biriyani, Irani cafes and Osmania biscuits, Hyderabad is also known as the Pearl City. A city which currently serves as a capital of not one, but two states; a city where gleaming modern glass and chrome structures rub shoulders with ancient places like the Golconda Fort (a former diamond-trading center) and the Charminar, a 400 year old mosque near the ancient Laad Bazaar. Then there's the sprawling Ramoji Film City, billed as the largest studio complex in the world, and the Lamakaan, an open cultural centre which is always abuzz with arts, theater, debate, literature, dialogue, culture and drama. Driving around the city is usually a breeze, although peak hour traffic can get a bit frustrating. And for those looking for weekend getaways, there's Warangal, famous for its Thousand Pillar Temple and the Warangal Fort, the Rollapadu Bird Sanctuary and Belum caves in Kurnool, Fort and Belum Caves, the Buddhist heritage site of Nagarjunakonda, and the beach at Guntur.

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Car Insurance in Hyderabad: Buy/Renew Car Insurance Policy in Hyderabad | Liberty General Insurance

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Famous for its Nawabi culture and its biriyani, Irani cafes and Osmania biscuits, Hyderabad is also known as the Pearl City. A city which currently serves as a capital of not one, but two states; a city where gleaming modern glass and chrome structures rub shoulders with ancient places like the Golconda Fort (a former diamond-trading center) and the Charminar, a 400 year old mosque near the ancient Laad Bazaar.

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Best Car Insurance Policies in Delhi Online | LGI

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Best Car Insurance Policies in Delhi Online | LGI

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Buy/Renew car insurance policy online in Chennai & enjoy various benefits like Accidental Covers, Depreciation Cover & much more. Visit now at Libety Genral Insurance

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Car Insurance in Delhi: Buy/Renew Car Insurance Policy in Delhi | Liberty General Insurance

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Delhi Car Insurance: Get car insurance in Delhi and secure your vehicle. Now Buy/Renew car insurance policy online in Delhi & enjoy various benefits like Accidental Covers, Depreciation Cover & much more.

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Buy Car Insurance Policies in Chennai Online | LGI

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Buy Car Insurance Policies in Chennai Online | LGI

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Get car insurance in Chennai and secure your vehicle. Car insurance in Chennai offers coverage against financial losses of car-owners due to various reasons. Visit now at Liberty General Insurance to know more.

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About Car Insurance in Chennai

Chennai, the cultural capital of southern India. But there's a lot more to the city than its Marina Beach (the second longest in the world), spectacular temples always resounding with dance and music, and of course filter coffee. For instance, not many people know that the College of Engineering, Guindy, the first Engineering College in India, started as a Civil Survey School in 1794 with just one student. Or that over 30 per cent of India's automobile industry is based in and around Chennai, which is why it is also known as the "Detroit of India." As a car owner in Chennai, you must know that car insurance is a must for any vehicle. But before you insure your vehicle, remember that buying the cheapest policy is not necessarily the best policy. After all, in the unfortunate event of a mishap while driving to the hill stations of Ooty, Yercaud, or Kodaikanal, or during a weekend trip to the old French colonial town of Puducherry, the last thing you need to worry about is whether your policy covers the damage. Don't fret. LGI, a trusted motor insurance brand, has you covered. Whether you opt for a simple third party policy or a full comprehensive cover, you can rest assured that you will not have to run from pillar to post in case of an accident.

You can also find a list of Liberty General Insurance-partnered garages at our garage locator

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Car Insurance in Chennai: Buy/Renew Car Insurance Policy in Chennai | Liberty General Insurance

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Chennai, the cultural capital of southern India. But there's a lot more to the city than its Marina Beach (the second longest in the world), spectacular temples always resounding with dance and music, and of course filter coffee.

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Buy Best Car Insurance in Bangalore at Liberty General Insurance

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Buy Best Car Insurance in Bangalore at Liberty General Insurance

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Get car insurance in Bangalore and secure your vehicle. Get hassle free inspection and additional protection coverage at Liberty General Insurance. Visit Now

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About Car Insurance in Bangalore

Bangalore, known as India's Silicon Valley, is home to some of the biggest IT companies in the world. Now known as Bengaluru, the city is known for its eclectic blend of cosmopolitan and orthodox cultures, its pleasant weather, and of course the pubs and eateries that can be found in every neighbourhood. Owning a car in this former cantonment city is no longer a luxury. Apart from local attractions like Lalbagh, Cubbon Park, Bannerghata biological park where you can spot animals in their own habitat and the Bangalore palace, weekend getaways like Mysore and Coorg connected by modern highways are just a few hours away. Just buying a car, however, is not enough. As per government regulations, it is mandatory for every vehicle to have car insurance. But before you buy insurance for your vehicle, you need to ask a few questions. For instance, does the insurance provider offer cashless claim services? Roadside assistance? How customer centric is their after sales service? Does the policy cover damage due to accidents, theft, natural disasters?

In Bangalore, Liberty General Insurance offers policies that are tailored to suit your needs. These range from the bare bones Liability Only Policy to a Comprehensive Policy, which basically insures you for almost every form of damage to you or your vehicle.

You can also find a list of Liberty General Insurance-partnered garages at our garage locator

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Car Insurance in Bangalore: Buy/Renew Car Insurance Policy in Bangalore | Liberty General Insurance

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Bangalore, known as India's Silicon Valley, is home to some of the biggest IT companies in the world. Now known as Bengaluru, the city is known for its eclectic blend of cosmopolitan and orthodox cultures, its pleasant weather, and of course the pubs and eateries that can be found in every neighbourhood.

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Buy/Renew Car Insurance Policy in Agra at Liberty General Insurance

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Buy/Renew Car Insurance Policy in Agra at Liberty General Insurance

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Buy or Renew your Car Insurance in Agra from Liberty General Insurance. Get instant car insurance quotes and compare the premium to find the best car insurance. Visit Now at LGI

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About Car Insurance in Agra

Agra may be famous for the Taj Mahal and other historic forts and features, but there is a lot more to the city than that. It is also home to the largest airbase of the Indian Air Force, and became a Category I military cantonment way back in 1805. While tourism is the mainstay of the ancient city's economy, it also has a large number of small-scale industrial units, including leather and carpet manufacturers. Harihar Biotech, Uttar Pradesh's first plant biotech company is located near the Taj Mahal. The city also boasts of the largest number of self-employed residents after Varanasi.

With the Yamuna Expressway that connects Delhi to Agra, and the Agra-Lucknow Expressway opening up traffic, there has been a sharp rise in the vehicular traffic passing through Agra. However, this has also resulted in the chances of accidents going up. In summer, it is due to over speeding vehicles, while in winter, factors like visibility has resulted in accidents. When your vehicle is damaged in such a situation, it can take its toll on the wallet, which is why it is wise to insure your car with a comprehensive insurance policy. At Liberty General Insurance, we give you a variety of options for you to choose the right car insurance to buy. Along with this, you can also find a list of cashless garages tied up Liberty General Insurance at our garage locator

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Car Insurance in Agra: Buy/Renew Car Insurance Policy in Agra | Liberty General Insurance

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Agra may be famous for the Taj Mahal and other historic forts and features, but there is a lot more to the city than that. It is also home to the largest airbase of the Indian Air Force, and became a Category I military cantonment way back in 1805.

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Buy/Renew Ashok Leyland Insurance in India at Liberty General Insurance

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Buy/Renew Ashok Leyland Insurance in India at Liberty General Insurance

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Ashok Leyland car insurance by LGI offers excellent features with excellent benefits. Get the best Ashok Leyland Insurance at Liberty General Insurance in India

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About Ashok Leyland

Ashok Leyland is owned by the industrious Hinduja Group, based in India. Currently the second-largest manufacturer of commercial vehicles in India, Ashok Leyland was founded in 1948. The company is also the 10th largest manufacturer of trucks and 4th largest manufacturer of buses in the world. The formidable manufacturer's vehicles can be seen in most countries in Asia, Middle East, Central Asia, and parts of Europe such as Russia.

Ashok Leyland's most iconic flagship is the light commercial vehicle named 'Dost' which means 'friend' in Hindi. Equipped with a 3-cylinder, turbo-charged common rail diesel (CRDi) engine, the extremely efficient Dost comes with a 58BHP of maximum power and a constructive payload capacity of 1.25 tonnes.

Getting a comprehensive car insurance for your Ashok Leyland vehicle will be a good idea if you end up buying an Ashok Leyland vehicle. With several options available for you, opting for an LGI car insurance for your Ashok Leyland can be considered.

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service provider of ashok leyland car insurance

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Ashok Leyland is owned by the industrious Hinduja Group, based in India. Currently the second-largest manufacturer of commercial vehicles in India, Ashok Leyland was founded in 1948. The company is also the 10th largest manufacturer of trucks and 4th largest manufacturer of buses in the world.

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Health insurance is a sort of insurance that assists in paying the insured's medical and surgical costs. Refer this article to know more about health insurance at LGI

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What is Health Insurance? 5 Reasons to buy Health Insurance | Liberty General Insurance

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Want to know what is Health Insurance & its benefits? Health insurance policy covers your medical expenses which is taken care of by your policy provider. Liberty General Insurance shares 5 reasons why a person should buy health insurance

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Health Insurance Benefits in India | LGI

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Health Insurance Benefits in India | LGI

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Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents. Read this blog to know more about Health Insurance Benefits at LGI

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16 Feb 2019

An insurance policy which covers the medical and surgical expenses of the insured is called a health insurance policy. Typically, insurers in India provide the following types of health insurance:

Hospitalisation Policy: Only hospitalisation costs are covered; The individual bears other costs.

Critical Illness Policy: A set of predetermined critical illnesses are specified in the policy. On the diagnosis of such diseases, a lumpsum amount is provided.

Family floater Plan: Insured and the family members are covered under one policy. The insurer provides a fixed insured amount for all the members.

The Importance of Health Insurance

Due to daily stress and hectic lifestyles, health has indeed become a wealth that people are looking to protect. At the same time, one of the sectors which are undergoing steady inflation is the healthcare sector. Instead of paying hefty bills once you are afflicted with a disease and hospitalised, you can pay a small premium to obtain an insured amount.

Eligibility

In the case of adults, any individual between the age of 18 and 65 years is eligible to obtain a health insurance policy. In the case of children, eligibility is between 90 days and 18 years. Do note that the amount of premium increases significantly as the insured grows older. So, it is recommended to purchase the policy at the earliest.

Tax Benefits of Health Insurance

Section 80 of the Income Tax Act provides a host of tax benefits for a health insurance plan:

In case of paying a premium for self or family, a tax deduction of Rs 25,000 can be made. Additionally, a premium paid in case of parents who are below 60 years of age is eligible for a deduction of INR 25,000. In the case of parents or family members above the age of 60 years, an amount of INR 50,000 is eligible for a tax deduction.

Insurance policies in case of Hindu Undivided Family (HUFs) provide a tax deduction of INR 25,000, where the premium is paid for the health insurance of one of the members of the HUF.

If you incur any expenses towards a preventive health check-up, you are eligible for a tax deduction of INR 5,000, which is part of the overall limit of INR 25,000.

Now that you know about the health insurance tax benefits in India, it's time you stop worrying about high medical bills and get started with saving taxes on medical insurances.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale

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Health Insurance Guide: Meaning, Benefits & Importance of Health Insurance | Liberty General Insurance

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16 Feb 2019 An insurance policy which covers the medical and surgical expenses of the insured is called a health insurance policy. Typically, insurers in India provide the following types of health insurance: Hospitalisation Policy: Only hospitalisation costs are covered; The individual bears other costs.

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Health Insurance Tax Benefits in India | LGI

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Health Insurance Tax Benefits in India | LGI

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Under Section 80D of the Income Tax Act, 1961, the premium amount paid towards your policy can be claimed as health insurance tax benefits. Rea

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15 Feb 2019

'Health is Wealth' and therefore, it's essential to care for you and your family's health. With rising costs of hospitalisation and medical treatment, having a health insurance/medical policy is essential. It not only ensures you don't go bankrupt after an illness, but also provides sufficient coverage. Most importantly, even if you don't have to avail it, you get health insurance tax benefits.

Investing in a medical insurance policy, saves not only money but also gives you income tax benefits.

Below are the health insurance tax benefits that you should know about. These will help you claim tax deduction under appropriate sections.

Deduction Under Section 80D of the Income Tax Act

The Government of India (GOI) offers individual taxpayers a deduction on premiums paid under section 80D of the Income Tax Act. You can even avail benefits on premium paid to cover critical illness.

For Self and Immediate Family (Spouse and Dependent Children):
When it comes to health insurance tax benefits, you need to remember the following. In this case, you can claim up to INR 25,000 in a financial year, including the amount for you, your spouse and dependent children. In case you or your spouse is a senior citizen, i.e., 60 years and above, the deduction limit goes up to INR 50,000. The deduction extends to cover any health check-up of up to INR 5,000 you may have had in that financial year.

For Parents:
Medical insurance premiums paid for parents, or, legal guardians, is allowed for deduction up to INR 25,000 per financial year. If either of your parents is a senior citizen, then the maximum limit goes up to INR 50,000 per financial year.

The maximum qualifiable amount is always the lower of the actual premium, or, the permissible limit under this section. This must include the medical check-up amount.

Deduction Under Section 80DD of the Income Tax Act

If you have a dependent with a disability, you can claim health insurance tax benefits up to INR 75,000. This is based on the expenses incurred for nursing, medical treatments, rehabilitation, etc. In cases of extreme disability, you can claim up to INR 1.25 lakh. Dependents here include your spouse, children, parents or siblings. However, to claim the deduction, you will need to submit supporting medical certificates.

Deduction Under Section 80DDB of the Income Tax Act

If you are being treated for a specified illness, you can claim a deduction of INR 40,000 for all the medical expenses incurred. If you're claiming on behalf of a senior citizen, the benefit limit is INR 1 lakh. This includes treatments for diseases given in Rule 11DD of the Income Tax Act. This deduction can be claimed for self, spouse, parents/guardians, children and siblings. Until F.Y. 2017-2018 you could claim a deduction for senior citizen (60-80 years) and super senior citizen (above 80), of INR 60,000 and INR 80,000.

NO Tax Benefit on Cash Payment or Group Health Insurance

Medical insurance premiums should be made either through online banking, draft, cheque or debit or credit cards to avail the health insurance tax benefits. A tax deduction is not allowed for instalments paid by cash. However, payments for the preventive health check-ups can be paid by cash and can be claimed for deduction. Moreover, tax benefits do not extend to group health insurance premiums, paid by your employer.

Now that you know about the health insurance tax benefits in India, it's time you stop worrying about high medical bills and get started with saving taxes on medical insurance.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale

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tax benefits of private health insurance

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benefits of private health insurance in tax

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4 Best Health Insurance Tax Benefit You should Know | Liberty General Insurance

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15 Feb 2019 'Health is Wealth' and therefore, it's essential to care for you and your family's health. With rising costs of hospitalisation and medical treatment, having a health insurance/medical policy is essential. It not only ensures you don't go bankrupt after an illness, but also provides sufficient coverage.

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Benefits of Health Insurance Policy in India | LGI

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Benefits of Health Insurance Policy in India | LGI

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One of the primary benefits of health insurance plan is that it provides coverage for various healthcare facilities. Read more at LGI

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Health Insurance Benefits: 5 Advantages of Health Insurance | Liberty General Insurance

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13 Feb 2019 With the rising instances of diseases and accidents, the demand for health insurance has shown significant growth. A health insurance plan can provide you with financial security in times of a medical emergency. Every individual has certain risks and uncertainties in life.

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Basic Tips to Ride a Bike with Sidecar in India | LGI

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Basic Tips to Ride a Bike with Sidecar in India | LGI

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A motorcycle with a sidecar is safe as long as the bike is set up to ride correctly with one. Refer this article to know more.

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24 Sep 2021

A sidecar is a one-wheeled carriage attached to the side of a bike, making the vehicle a three-wheeled vehicle. Attaching a sidecar to your motorcycle enables you to accommodate an extra pillion rider or a physically challenged person. The sidecar also helps carry excess luggage.

Adding a sidecar to your bike changes your bike's entire dynamics, and riding it safely requires a good set of skills. Here are some tips to learn how to ride bike with a sidecar in India.

Use the motorcycle brakes properly The right-hand lever of the bike with the sidecar is the front brake, and a right foot lever can operate the back brake. If your bike with sidecar has the regular two brakes, you can use both to stop the vehicle. In case of an emergency, use the front brake as it is the more powerful of the two.

Try to ride in a straight line One of the most obvious tips to ride bikes with sidecar is to ride the vehicle in a straight line. It is difficult to steer a bike with sidecar in a straight line as the vehicle has three wheels on different planes. Ensure to have a solid or firm grip on the handlebar to make it possible to move in a straight line.

Use the throttle to steer the motorcycle correctly When a bike with a sidecar is mounted on the right, you need to adjust the throttle differently depending on which side you want to turn. If you turn to your left, you will need to close the throttle, making the rear wheel spin slower than the sidecar, thus helping you manoeuvre the turn better. While turning to your right, ensure to open the throttle and turn.

Practice regularly Riding a bike with sidecar in India can be quite a challenge, especially in the metropolitan and urban areas, primarily due to the traffic in these cities. Before riding on main roads, you must get adequate practice and learn how to handle such a bike. You could ride the bike with an empty sidecar and then load it and keep practising under different traffic and weather conditions to get the hang of it.

Final note:Riding a bike with sidecar takes good practice. It takes some time to judge the distance between vehicles and can be challenging, especially while taking sharp turns on the road. So before carrying passengers, you should ride alone and brush up on your skills. Make sure that you and your co-passenger wear the proper riding gear at all times while on the road. Also, ensure you buy a comprehensive bike insurance policy that covers you, your pillion and sidecar riders from any accidents or other roadside incidents. As a rule, if you choose to ride a bike with a sidecar in India, you must inform your insurance providers about the same.

Frequently Asked Questions
Is it safe to ride a bike with a sidecar?
Riding a bike with a sidecar is highly safe, provided you understand the dynamics of the vehicle. Manoeuvring a sidecar may be tricky. However, with practice, you can learn to ride the bike with a sidecar comfortably.
What is the significance of a throttle in a sidecar?
The throttle of a bike with a sidecar needs to be rightly used to avoid any imbalance. Using a throttle, one can control the speed of the main wheels of the motorcycle differently from the wheels of the sidecar. Proper modulation of the throttle is necessary for the correct process of taking turns.
Do you need to buy a separate insurance plan for the sidecar?
No, a regular insurance plan takes care of the bike as well as the sidecar. However, while buying an insurance policy, you must inform the insurance company that the motorcycle is fitted with a sidecar.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.

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Tips to Ride a Bike with Sidecar in India | Liberty General Insurance

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24 Sep 2021 A sidecar is a one-wheeled carriage attached to the side of a bike, making the vehicle a three-wheeled vehicle. Attaching a sidecar to your motorcycle enables you to accommodate an extra pillion rider or a physically challenged person. The sidecar also helps carry excess luggage.

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Check Bike Insurance Expiry Date Online | LGI

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Check Bike Insurance Expiry Date Online | LGI

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Bike insurance expiry date can be checked online from the website Parivahan or mParivahan app. Refer this blog at LGI to know more

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24 Sep 2021

Paying heed to the safety and security of all on the road, the Regional Transport Authority in India mandates all two-wheelers to have an insurance policy before it leaves the showroom. Irrespective of the duration of the policy you choose, you must ensure you renew your vehicle insurance policies on time. As a bike owner, you must invest in an excellent bike insurance policy and be mindful of the bike insurance expiry date. In this article, we explain how to check your bike insurance expiry date online.

How to Check Bike Insurance Expiry Date Through Your Insurance Company?

Your insurance provider has all your policy details in their database, and you can check your policy's expiration date directly on their website. Typically, you have to follow the same basic steps to check bike insurance expiry date online. They are as under:

Log onto the website of your insurance provider.

Feed-in the details of your policy - policy number, vehicle registration number, chassis number, etc.

A new page will pop up with your existing policy details, including the coverage you are eligible for and the insurance expiry date.

You may download the policy and save it on your computer for future reference.

How to Check Bike Insurance Expiry Through Insurance Information Bureau?

The Insurance Information Bureau or IIB is a web-based portal that commenced under the Insurance Regulatory and Development Authority of India in 2009. It was created to facilitate the easy functioning of the nation's insurance sector. Follow these simple steps to run the two wheeler insurance expiry date check.

Log on to the official website of the Insurance Information Bureau. https://iib.gov.in//

Go to the "Quick Links" tab on the website's home page and click on the 'V-Seva' tab. You will then be directed to the web page of the Accident Vehicle Information Retrieval System.

Enter all the necessary details such as your (bike owner's) name, address, e-mail ID, mobile number, and the two-wheeler registration number

Enter the generated captcha code and click on the 'submit button.

The system will generate your insurance policy details.

How to Check Bike Insurance Expiry Date Online Through the VAHAN Portal

VAHAN is the official website of the Ministry of Road Transport & Highways, through which you can conduct the two-wheeler insurance expiry date check online. Here are the steps:

Visit the VAHAN website at https://vahan.nic.in/nrservices/faces/user/citizen/citizenlogin.xhtml.

Register yourself as a first-time user by entering your mobile number and e-mail ID.

Enter your bike's registration number and the generated captcha code.

Click on the 'Search Vehicle' option to see your bike insurance details.

How to Renew Bike Insurance Online?

Besides knowing how to check bike insurance expiry date online, you can also renew your insurance plan by following this easy 5-step process.

Visit the official website of your insurance provider

Click on the renew policy tab and enter the existing policy details such as your policy and vehicle registration number, contact number, etc.

Modify your existing policy if needed by adding or removing the add-ons in your policy.

Pay the premium online through your preferred online payment method from net banking, debit card, credit card, or online UPI wallets.

The insurer will e-mail you the renewed policy, which you can download and save.

You can also update the renewed policy in the digital locker app on your internet-enabled smartphone so that you can access it anytime.

Final Note: As is apparent, it is easy to check bike insurance expiry date online. It is just as convenient to renew the policy. Ensure to always buy your vehicle insurance policy from reputed insurance providers with high claim settlement ratios. A good insurer has an extensive customer support network and whom you can connect to at any time during an emergency.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.

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fuel injection vs carburetor which is better in bikes

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How to Find the Expiry Date of Your Bike Insurance Policy Online | Liberty General Insurance

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24 Sep 2021 Paying heed to the safety and security of all on the road, the Regional Transport Authority in India mandates all two-wheelers to have an insurance policy before it leaves the showroom. Irrespective of the duration of the policy you choose, you must ensure you renew your vehicle insurance policies on time.

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How Depreciation Can Affect Your Two Wheeler Insurance Premium in India | LGI

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How Depreciation Can Affect Your Two Wheeler Insurance Premium in India | LGI

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Although depreciation lowers the premium you pay, keep in mind that your IDV also goes down. As a result, the IDV provided by your insurer is inversely proportionate to the rate of depreciation. Read Now at LGI

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10 Nov 2021

Every commodity goes through value depreciation with time and use. The same holds true for your bike. The market price of your two wheeler decreases as it gets old and suffers from wear and tear. The zero depreciation bike insurance cover can help protect you from heavy expenses that you may face during claims due to depreciation costs. Before you learn more about this helpful add-on, it is important to understand how depreciation affects the premium of your two wheeler insurance policy.

How is the rate of depreciation determined for your bike?

The age of your two wheeler is directly proportional to the rate of depreciation it faces. The value of your bike starts to decrease as soon as it is out of the showroom. The best way to avoid this is by buying a zero depreciation bike insurance cover.

To give you a better understanding of how the value of your bike depreciates over time, here is a table that shows the depreciation percentage in correspondence to the vehicle's age.

Why is understanding depreciation important?

The IDV of your bike insurance policy is the maximum amount of money that the insurer will cover you for in the event of a total loss or theft of your vehicle. In layman terms, it is the current market value of your bike. It depends on many factors, like the brand of your bike, its make and model, etc. Depreciation is also one among the considered factors.

Now you may wonder how depreciation affects two wheeler insurance premium. Depreciation decreases the premium you pay; however, bear in mind that your IDV also reduces. The rate of depreciation is, thus, inversely proportional to the IDV offered by your insurer. The higher the depreciation rate of your two wheeler, the lower the IDV. You can avoid such a decrease in the IDV of your bike by getting the zero depreciation two wheeler insurance add-on.

What are the benefits of buying a zero depreciation cover?

You get to enjoy better coverage:- With the help of a zero depreciation cover, you get to enjoy an IDV that is nearly equal to the market price of your two wheeler. As a result of this, you get to enjoy better coverage.

You get to save a significant amount:- Since the insurer pays for repairing your bike without considering its rate of depreciation, you get to enjoy a higher claim amount. This brings down the amount you need to pay for repairing your bike from your pocket.

You enjoy complete peace of mind:- Repairing the damages caused to the parts of your newly bought luxury bike can be quite expensive. With the zero depreciation cover, you can enjoy complete peace of mind, knowing the insurer will cover you without considering depreciation.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.

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depreciation affects two wheeler insurance premium

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how depreciation affects two wheeler insurance premium

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3 Benefits of Comparing Bike Insurance | Liberty General Insurance

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10 Nov 2021 Every commodity goes through value depreciation with time and use. The same holds true for your bike. The market price of your two wheeler decreases as it gets old and suffers from wear and tear. The zero depreciation bike insurance cover can help protect you from heavy expenses that you may face during claims due to depreciation costs.

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Procedure to Transfer Bike Insurance Policy | LGI

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Procedure to Transfer Bike Insurance Policy | LGI

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Bike Insurance Transfer is the process of transferring ownership of the two-wheeler policy in someone else's name. Refer this blog at LGI

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10 Nov 2021

Bikes are an extremely affordable and convenient means of transportation. They are usually cheaper than cars and help zip through traffic with ease. As a result of their utility, bikes that have been maintained well usually have a high resale value. Now, you are probably aware that you need to transfer your bike's registration papers to its new owner after the sale has been completed. However, were you also aware that you need to transfer bike insurance too? Let's learn a bit more about two-wheeler insurance transfer.

Why is it important to transfer bike insurance?

The road can be an unpredictable place, and accidents can happen to anyone. If the second-hand two-wheeler insurance papers are not transferred to the new owner, they will be unable to make claims for any unforeseen incident they face with the new vehicle. In that case, they would be liable to pay for damages on their own. If a third party is involved in the incident, the financial burden could be too heavy to bear. Therefore, transferring bike insurance truly benefits the new owner of your vehicle.

Furthermore, the benefits of transferring bike insurance extend to the former owner of the vehicle as well. The previous owner is freed from any liability of paying for accidents that might occur with the sold two-wheeler in the future. They also get to carry over their no-claim bonus (NCB) with an NCB certificate that gets issued upon completing the transfer.

How can I transfer bike insurance?

If you are wondering how to transfer bike insurance, rest assured that the process is simple. The transfer of insurance should ideally be initiated by the buyer, though the seller may also take things forward at their end.

Before starting the transfer process, call up the insurance provider and ask them for a complete list of the documents required. The paperwork will generally include the bike's RC under the new owner's name, forms 29 and 30, buyer and seller KYC information, and the old policy. A fee is also charged for the process of transfer

The bike insurance transfer process

Let's quickly break down the bike insurance transfer process into a few easy steps.

Step 1: Call up the insurance provider and ask them for a complete list of documents needed for transfer of insurance

Step 2: Fill up the necessary forms for transfer of insurance and check if the insurer needs to inspect the vehicle

Step 3: Pay the required fees for the process

Step 4: Receive the new bike insurance papers in your name

Frequently asked questions on bike insurance transfer
How soon should I initiate the process of bike insurance transfer?
It is advisable to start the process as soon as the RC has been transferred to the new owner's name. Ideally, initiate the process within 14 days of RC transfer.

Can I transfer bike insurance online?

Forms 29 and 30 can be downloaded from the RTO's website; however, the bike insurance transfer process might require a physical inspection of your vehicle. It is advisable to discuss this with the insurance company.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.

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All You Need to Know About Transferring Bike Insurance | Liberty General Insurance

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10 Nov 2021 Bikes are an extremely affordable and convenient means of transportation. They are usually cheaper than cars and help zip through traffic with ease. As a result of their utility, bikes that have been maintained well usually have a high resale value.

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Tips To Improve Bike Fuel Efficiency in India | LGI

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Tips To Improve Bike Fuel Efficiency in India | LGI

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Your bike's mileage depends a lot on how you use the vehicle. If you ride at moderate speeds, and avoid harsh actions, the mileage will be high. Read now at LGI

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01 Dec 2021

A bike is one of the most popular vehicles for good reason. It is affordable and can zip easily through traffic. While your bike guzzles lesser fuel than a car, you may notice that your two-wheeler's mileage has gone down. If that is the problem you are facing right now, don't worry. This blog will show you some easy tips to improve bike mileage.

How to increase mileage of bike

Tip 1: Always check air pressure

Make it a point to check the tyre pressure of your two-wheeler frequently. The ideal tyre pressure is what the manufacturer recommends in your bike's manual. If your tyre pressure drops too low, your mileage figure will take a hit, and you will travel less for the same amount of fuel.

Tip 2: Ride your bike safely and steadily

Avoid sudden accelerations, as doing this frequently can reduce your bike's fuel efficiency. Also, do not use the break abruptly and too often. Be a steady motorist and ride your bike well.

Tip 3: Switch off the engine at a longer signal

If you are stuck in traffic at a longer signal, turn off your bike's engine. This is one of the best tips to improve bike fuel efficiency. Turning off the engine will help save you fuel and improve the overall mileage of your bike.

Tip 4: Avoid parking in direct sunlight

If you live in a city that experiences scorching summers, be aware that you may lose some fuel due to evaporation. To avoid this, try to park your bike in a shaded spot, such as an underground parking space. Keeping your bike parked in a shaded area will also keep the vehicle safe from overheating and ensure that your ride is a comfortable one.

Tip 5: Get regular servicing

Taking your two-wheeler for regular servicing will help keep it in good shape and ensure that all parts are working smoothly. This is one of the simplest and most effective tips to improve bike mileage. When getting your bike serviced, try to take it to the genuine dealer's service centre. Avoid going to random mechanics as you may not know the quality of parts they put in your bike.

Bonus tip: Using good quality fuel can also help improve the mileage you get from your bike.

Importance of two wheeler insurance

As a bike owner, you should be aware that it is mandatory to have at least third-party two wheeler insurance in India. With this coverage, you stay protected financially against any liabilities that you may face from a third party in case of an accident. The road can be very unpredictable and the expenses from accidents can run into lakhs of rupees. To keep you safe from such expenses, third-party motor insurance has been made mandatory.

You may also choose to go a step further and buy comprehensive motor insurance too. Comprehensive insurance will cover you for third-party liabilities as well as own damages in an accident for true peace of mind. Furthermore, it will also cover you against natural disasters like floods or manmade calamities like theft and damages due to vandalism. Keep yourself protected and buy bike insurance today.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.

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5 Tips to Improve Fuel Efficiency from Your Bike | Liberty General Insurance

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01 Dec 2021 A bike is one of the most popular vehicles for good reason. It is affordable and can zip easily through traffic. While your bike guzzles lesser fuel than a car, you may notice that your two-wheeler's mileage has gone down. If that is the problem you are facing right now, don't worry.

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Cashless Garage Facility: Know its Importance at LGI

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Cashless Garage Facility: Know its Importance at LGI

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Cashless garages give customers with relief if they experience any unanticipated issues with their car while driving. Read now to know more about cashless garage facility

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05 Sep 2021

What Are Cashless Garages?

In India, motor insurance providers have deals with garages all over the country. Cashless garages can be found easily and are accessible in every state. The cashless garage facility assists with vehicle repairs without the need for any form of payment to the owner of the garage. The payment is given through your insurer instead of it coming directly from your pocket. Cashless garages are a means to provide the customer relief if they face any unforeseen problem with their vehicle during a drive. Motor insurers over the past few years have focused on expanding their network of garages to help their customers in dire situations where they are not able to pay for repairs.

How Does A Cashless Garage Facility Work?

If you face a situation where your car breaks down or has any functional problems, you can call your motor insurer immediately. After explaining the difficulties with your vehicle, they will direct you to their nearest partner garage for fastidious repair. You can even avail a tow truck from your insurer to take your car to the nearest garage. The garage will fix your vehicle as soon as possible. Once fixed, you can leave with your vehicle without paying a single penny. The payment for the repairs will be made through cashless car insurance by your provider. As such, the cashless garage facility in car insurance enables you to get instant vehicle repair services when you need them the most.

Is A Cashless Garage Facility Helpful?

Yes, the sole purpose of a cashless garage facility is to help you in an emergency. They eliminate any laborious payment and bureaucratic processes required in the process of fixing your vehicle. The cashless garage facility importance can be broken down into the below points.

Cashless garages are highly convenient, especially in an emergency.

It is a seamless process involving little to no paperwork on your end.

Your vehicle gets high-quality, long-lasting repairs as the garage facility serves as a trusted partner of your insurance provider.

It will lessen the financial burdens associated with vehicle malfunction.

The vast network of insurance providers ensures you can get your vehicle fixed outside of city or state borders if needed.

Cashless Car Insurance Policy Claim

The process of filing a cashless car insurance claim is straightforward. You do not have to do anything other than selecting your nearest garage from the insurer's network. Insurance providers have deals with multiple garages all over the country. When buying a car insurance provider, all you have to check is if the insurer has an extensive network of garages in various locations across the country.

You can directly take your vehicle to a garage in the insurer's network and tell them about your insurer. The garage representatives will take care of the rest. You should also be aware of the types of repairs you qualify for based on the kind of car insurance you own. Any cost of repairs exceeding the coverage you are eligible for must come out of your own pockets.

New Features In The Car Insurance Market

The car insurance market stays up to date with the changing times and keeps introducing new features from time to time. Today, you can buy Usage-based car insurance under which you can insure your cars for the kilometres you drive instead of years. Also, you can finish your application verification process through the internet via the e-KYC process instead of physically visiting your bank or insurer.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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cashless garage facility in car insurance

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Cashless Garage Facility Is Important Before Buying Car Insurance | Liberty General Insurance

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05 Sep 2021 In India, motor insurance providers have deals with garages all over the country. Cashless garages can be found easily and are accessible in every state. The cashless garage facility assists with vehicle repairs without the need for any form of payment to the owner of the garage.

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Top Reasons To Choose Electric Cars Besides Rising Petrol And Diesel Prices in India | LGI

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Top Reasons To Choose Electric Cars Besides Rising Petrol And Diesel Prices in India | LGI

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Refer this article at Liberty General Insurance to know what electric cars are and the top reasons to opt for them besides rising petrol & diesel prices.

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01 Oct 2021

Electric cars today are becoming more popular than ever. At some point in time, you may have considered buying an electric car for its many salient features. Today, vehicle owners consider electric cars a viable daily mode of transportation, which also offers several benefits other than the obvious advantage of saving money on skyrocketing fuel prices. With the consistent reduction of fossil fuels and the swift depletion of natural resources, many consumers tend to gravitate towards environment-friendly vehicles like electric cars. In this article, we explain what electric cars are and the top reasons to opt for them.

What are electric cars?

Electric cars are four-wheel vehicles that run on electricity generated using renewable sources. These cars have electric motors and a low running cost since they have fewer moving parts for maintenance and do not use fossil fuels. These attributes make electric cars incredibly environmentally friendly. Electric vehicles make use of large traction battery packs that help supply power to their electric motors. Car owners can plug the battery packs into a wall outlet or similar equipment to charge or power up the vehicle for daily commute. Based on the size of the electric car, you can drive up to 100 kilometres with a fully charged electric car.

Electric Car Benefits

Some of the best electric car benefits include the following:

Saves You Money

Electric vehicles are much more economical and ergonomic than gasoline-powered vehicles. They run on electricity generated from renewable sources of energy at economical rates as compared to petrol and diesel, the prices of which keep increasing every few months. Electric cars also have a lower total cost of ownership and are much more efficient to use in the long run.

Reduced Carbon Emissions

One of the most crucial of the many electric car benefits is that it reduces carbon emissions significantly. Electric cars generate less global warming pollution than regular vehicles. Moreover, those electric vehicles entirely powered by renewable energy typically do not produce any emissions whatsoever.

Great Driving Experience

Electric cars offer smooth, responsive acceleration and deceleration, which makes driving them a pleasurable experience. Since the cars come with an in-built, low centre of gravity, it helps drivers be responsive handling and driving comfort.

Low Maintenance

Since electric cars have very few moving parts, there is a smaller chance of issues related to vehicular breakdown. Batteries come with an extended warranty period, and you do not have to spend a lot of money while getting the vehicle serviced.

Incentives

In a move to promote a greener planet, governments worldwide are offering special incentives to electric car owners. These include subsidies on the actual cost of the vehicle to waivers on registration fees, and exemptions on road tax payment. The government is also setting up car charging stations in states with a high number of electric car users, enabling them to recharge car batteries for a nominal fee.

Reduces Sound Pollution

Electric vehicle engines hardly produce any noise, which directly reduces the decibels of sound. In a country where using the honk and removing silencers is seen as a right to passage, the low sound of electric vehicles is a much-needed change that helps reduce sound pollution.

Let's Go Electric

With preparations in full swing to build the ideal ecosystem for the best electric cars, consumers are slowly but surely getting ready to accept this change. Initial limitations of electric vehicles like high costs, performance issues, limited range, long charge time, and a lack of charging stations have all faded away with time. Now might be the best time to join the electric vehicle revolution. Also ensure, you familiarise yourself with the car insurance requirements and policy types for electric vehicles as they may differ from fuel-based vehicles.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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Top Reasons to Choose Electric Cars Besides rising Petrol And Diesel Prices | Liberty General Insurance

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01 Oct 2021 Electric cars today are becoming more popular than ever. At some point in time, you may have considered buying an electric car for its many salient features. Today, vehicle owners consider electric cars a viable daily mode of transportation, which also offers several benefits other than the obvious advantage of saving money on skyrocketing fuel prices.

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The vehicle scrappage policy is a recently introduced government programme aimed at getting old, polluting cars scrapped. Read more about Vehicle Scrappage Policy at LGI

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01 Oct 2021

As Indians, we tend to love our vehicles and hold on to them for years of end. While we may be sentimentally attached to our cars and our bikes, using the vehicle for years on end can adversely affect the environment and increase carbon emissions. To encourage us to get rid of the old vehicles when they are past their prime, the Indian government introduced the vehicle scrappage policy in the 2021 budget. The idea behind the policy is to reduce the impact of older vehicles and the pollution these vehicles contribute to the environment. Let us understand more about it in this article.

What is Vehicle Scrappage Policy?

The vehicle scrappage policy is an initiative to create new rules for rearing private and commercial vehicles in a way that creates a new ecosystem to get rid of polluting, unfit vehicles, slowly and steadily, from the central database of Indian vehicles. Vehicles will be scrapped at automated testing stations and government registered vehicle scrapping facilities across the country.

Under the vehicle scrap policy, private vehicles older than 20 years and commercial and government vehicles older than 15 years will be destroyed or scrapped. Per the policy, old vehicles need to undergo and pass a fitness test before re-registration, failing which they will be scrapped.

Highlights Of the Old Vehicle Scrappage Policy Announcement

Vehicle owners who opt for scrapping their vehicles will get a scrap value for the vehicle, which will be 4 to 6 % of the ex-showroom price of the new vehicle that they intend to purchase.

Owners who present the vehicle scrapping certificate when buying a new vehicle will be given waivers on new vehicle registration fees.

New vehicle owners will also get concessions of up to 25% for non-transport vehicles and up to 15% for transport vehicles on the motor vehicle tax.

The government has further advised vehicle manufacturers in India to offer a 5 % discount on purchasing a new vehicle to buyers who present the vehicle scrappage certificate.

The Categorisation of Vehicles Under the Scrappage Policy

Government Vehicles: The vehicles belonging to India's Central and State Governments will be scrapped if they are more than 15 years old.

Commercial Vehicles: All commercial vehicles will have to undergo a fitness test upon completion of 15 years. If they pass the test, they will be renewed for 5 years; if they fail it, the vehicle will be scrapped.

Private Vehicles: All private vehicles will have to undergo a fitness test upon completion of 20 years. If they pass the test, they will be renewed for 5 years; if they fail it, the vehicle will be scrapped.

Vintage Vehicles: Vintage vehicles are those that are more than 50 years old. The government has exempted these vehicles under the auto scrappage policy for now.

Benefits of the Vehicle Scrappage Policy

The principal aim of the car scrap policy is to reduce the burden on the environment and boost the country's economy. Here are some benefits.

Safeguards the environment by reducing air pollution significantly.

Creates more job opportunities in the automobile sector

Benefits the automobile sector through increased sales and profits

Vehicle owners get lots of benefits in the form of waivers and concessions for opting for scrappage

FAQs
What is the primary reason for introducing the vehicle scrap policy?
The primary reason for introducing the vehicle scrap policy is to reduce environmental pollution and provide growth opportunities to the automobile industry.
What does a fitness check comprise?
A fitness check comprises a thorough inspection of your car's safety equipment, including seat belts, airbags, pollution tests, headlight alignment checks, indicators, brakes, engine components, rusting of parts, etc.
When will the policy come into effect?
Private vehicles that are more than 20 years will be de-registered from 1st June 2024, and Commercial vehicles that are more than 15 years from 1st April 2023.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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Vehicle scrappage policy - Upgrading your car just to became more attractive | Liberty General Insurance

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Vehicle scrappage policy is a new rule for rearing private and commercial vehicles in a way that creates a new ecosystem to get rid of polluting, unfit vehicles. Know about the Vehicle scrappage policy and things to know about upgrading your car at LGI.

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Standalone Own Damage Car Insurance | LGI

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Standalone Own Damage Car Insurance | LGI

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The standalone own-damage car insurance policy gives coverage to damage or loss sustained by the insured car. Read now at Liberty General Insurance

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25 Nov 2021

Cars are prone to damages from a variety of unforeseeable events. Natural calamities and accidents can lead to losses that can cost you heavy as a car owner. A standalone own damage car insurance plan will help you in such situations by covering you for costs incurred due to damages to your own vehicle.

In India, it is mandatory to buy third-party car insurance to legally operate your vehicle on the roads in the country. A standalone OD policy is not mandatory; however, it can truly prove to be immensely helpful in protecting you against huge financial losses if some calamity causes damage to your car.

What gets covered in standalone own damage insurance?

Let's understand a bit more about how OD car insurance works by seeing what gets covered in this type of policy. A typical own damages policy will offer coverage against the following:

Damages caused by an accident

Theft of the insured vehicle

Irreparable damage caused due to fire, lightning, explosion, or self-ignition

Damages by natural calamities such as floods, earthquakes, or landslides

If your car faces damages due to any of these incidents, you can raise an own damage car insurance claim with your motor insurance provider. These days, raising a claim is easier than ever before. You can log on to the insurer's website, fill up a form, get your car's damages inspected and get the repairs carried out upon approval of the claim.

Enhance your coverage with add-ons

You can also increase the protection you receive from your own damages cover with the help of add-ons. Some of the add-ons that you might want to consider are zero depreciation cover, consumables cover, return-to-invoice cover, and roadside assistance cover.

Exclusions to coverage

As stated earlier, own damage car insurance only covers losses incurred to your own vehicle. This means that it will not cover third-party liability. In addition to that exclusion, here are a few more things that your own damages policy will not cover:

Claims made when driving without a valid licence or under a learner's licence without supervision of a licenced driver

Claims made for incidents that occurred due to drunk driving

Damages that occur due to the owner's negligence

Losses due to war or nuclear damage

Damages due to general wear and tear

Who should buy own damage insurance?

It is advisable to buy an own damage car insurance policy if you currently only have third-party motor insurance. This way, you expand the scope of protection you receive during unfortunate incidents such as road accidents, manmade calamities, or natural disasters.

Calculating the premium for own damage insurance

The premium that you pay for your own damage car insurance plan is determined by various factors including the age and model of your car, the city you live in, the IDV (insured declared value), and fuel type used.

You can easily get an instant calculation of the premium that you can expect to pay by using the car insurance calculator tool on your insurer's website

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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Standalone Own Damage Car Insurance - Overview | Liberty General Insurance

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25 Nov 2021 Cars are prone to damages from a variety of unforeseeable events. Natural calamities and accidents can lead to losses that can cost you heavy as a car owner. A standalone own damage car insurance plan will help you in such situations by covering you for costs incurred due to damages to your own vehicle.

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The process of checking your car insurance status online is quite simple and can be done in a few clicks. Read this blog to know ways to check your car insurance status online

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How to Check Car Insurance Status Online | Liberty General Insurance

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25 Nov 2021 The Motor Vehicles Act 1988 makes it mandatory for every motorist to have a valid vehicle insurance policy to drive on the roads in the country. Failing to abide by this requirement can attract heavy penalties. Now, motor insurance policies need to get renewed from time to time to stay active.

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What is NCB in Insurance: No Claim Bonus in Motor Insurance | LGI

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What is NCB in Insurance: No Claim Bonus in Motor Insurance | LGI

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If no claims are filed during the insured year, the insurer will provide a No Claim Bonus, or NCB, as a percentage-based discount on the insurance premium. Read now at LGI

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25 Nov 2021

We all love getting discounts on products and services. A discount does feel good, almost like a well-deserved reward. Did you know that you can get a discount on your car insurance too? This discount is called the 'no claim bonus' or NCB. The NCB is given to you by the insurer as a percentage of reduction on your insurance premium if you do not make any claim during the insured year. It is important to understand the NCB calculation in motor insurance if you wish to save money on your premiums.

To get a better understanding of how NCB works, read on.

How is NCB applied to your insurance premium?

The no claim bonus is made available to you only after the successful completion of the insurance policy year. The discount that you get is pre-defined and gets applied to the premium that you will pay for insurance renewal after your running insurance term has expired. The insurance provider automatically adjusts your premium according to the NCB earned by you. The NCB calculation for car insurance keeps increasing - up to a maximum of 50% - after the completion of every consecutive year that passes without you making an insurance claim.

Understanding how NCB is calculated

The NCB percentage is fixed and does not waver between insurance providers present in the market today. To help you understand NCB calculation in car insurance renewal, here is an example. If you get through one year of coverage without raising any insurance claim, you get to enjoy a 20% discount on the premium you pay when you renew your insurance policy. So, if your initial premium amount is Rs.1000, after the completion of one year that passes without you raising your claim, your premium reduces by 20%. Thus, you would only need to pay Rs.800 for the renewal of your insurance policy (provided you are taking the exact same coverage and insurance rates have not changed).

What are the different slabs of NCB?

The table below shows the different slabs of NCB calculation for car insurance -

Upon completion of the fifth year, the NCB does not increase and stays at 50%. Many insurance providers also offer an NCB calculator to help you with your car insurance no claim bonus calculation.

Advantages of NCB in car insurance

The NCB has a lot of benefits to offer. Let's look at some of them -

Promotes safe driving:-If you do not meet with an accident, you do not need to raise an insurance claim. Consequently, the desire to earn the NCB and pay a lesser premium promotes safe driving.

Helps save money:-The NCB keeps increasing every year you do not make a claim, and you can end up paying relatively less for your coverage over the years.

The accumulated NCB is transferrable:-The NCB does not get affected even if you change your insurance provider during policy renewal.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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car insurance no claim bonus calculation

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ncb calculation in car insurance renewal

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Know about NCB Calculation in Motor Insurance | Liberty General Insurance

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The insurer gives No Claim Bonus or NCB as a percentage of reduction on insurance premium if no claims are done during the insured year. Read this article to understand the NCB calculation in motor insurance to save money on premiums.

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Knock for Knock Agreement in Motor Insurance | LGI

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Knock for Knock Agreement in Motor Insurance | LGI

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The knock for knock agreement is a particular arrangement made for third-party claims by the General Insurance Council. Read more at LGI

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Knock for Knock Agreement in Motor Insurance - Overview | Liberty General Insurance

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The knock for knock agreement is a special agreement created by the General Insurance Council for third-party claims. Read this article at LGI to know the benefits of a knock for knock agreement. Keep Reading!

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How Motor Insurance is Changing Due to Telematics Solutions | LGI

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How Motor Insurance is Changing Due to Telematics Solutions | LGI

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The insurance sector began offering auto insurance policies with individualised premiums by utilising telematics solutions. Read now at LGI

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01 Dec 2021

Technology has come a long way since its inception. From being a luxury, technology has now become a necessity. It has made a significant impact on almost all industries, including the automotive industry and the insurance industry. While the automobile industry has seen significant advancement in the arena of autonomous driving, the insurance industry has also begun to provide motor insurance policies that charge personalised premiums using various telematics solutions. Such insurance policies are widely available in many countries across the world; however, they have only recently started to gain popularity in India.

How are telematics used to calculate insurance premiums?

Conventionally, the premium of your motor insurance policy gets calculated by considering the model of your vehicle, among other factors. Due to this, if two people have the same car model, their insurance premiums are most likely to be similar as well. However, what happens if one of the two drivers is a safer driver? Should they still be charged equal premiums? This is where a telematics car insurance policy or a usage-based car insurance policy comes into play.

In a usage-based car insurance policy, the insurance companies use various telematics devices and attach them to the system GPS of the car. This helps them keep track of driver behaviour. The device collects data like the distance travelled by your vehicle, its average speed, its fuel consumption, fuel efficiency and how safely it is driven. The collected data is transferred to your phone and then sent to your insurer using your cellular network. The insurance provider analyses the received data and calculates your insurance premium accordingly. Thus, if you are a safe driver or do not use your vehicle on a regular basis, your motor insurance premiums will be lower.

Smartphone applications smoothen out the process

Most general insurance companies offer their customers a mobile application. This application can help the insurer's customers either buy a new policy or renew the old one. If you opt for a usage-based car insurance policy in India, the telematics devices attached to your car are connected to your mobile phone over a wireless network; thus, the mobile application offered by the insurer can also be used as a vehicle tracking system. You can also use the app provided by the insurer to get in touch with them over a video call to justify your claim.

How is blockchain technology useful for the insurance provider?

Insurance companies have now started to use blockchain technology in their current working processes. This has helps them quickly access all the details regarding the insured vehicle, such as the owner details, telematics records, and smart card details, among other information. As a result of this, the insurers get to expedite your insurance claim process and authenticate its details with ease.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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How Telematics is Transforming the Motor Insurance| Liberty General Insurance

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01 Dec 2021 Technology has come a long way since its inception. From being a luxury, technology has now become a necessity. It has made a significant impact on almost all industries, including the automotive industry and the insurance industry.

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Know how Link Driving License to DigiLocker| LGI

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Know how Link Driving License to DigiLocker| LGI

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Indian citizens can store their official documents like their Driving License to DigiLocker in the cloud through DigiLocker. Read now at LGI

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10 Dec 2021
Introduction
You are riding your motorcycle to work one morning. A traffic police officer doing a daily check stops you and asks for your driving license. You reach out to grab your wallet and are hit with paranoia when you realise you forgot your wallet at home. That wallet has your license, and you end up paying a fine. The way you could have avoided paying the fine is if you had the electronically accepted copy of your license. Here, we briefly talk about DigiLocker and how you can save your Driving License in DigiLocker.

DigiLocker - An Overview

With the aim of embracing digitalisation, the Government of India launched DigiLocker - a flagship initiative by Ministry of Electronics & IT (MeitY). In DigiLocker, your physical documents get authenticated and digitalised in a document wallet. According to Rule 9A of the Information Technology (Preservation and Retention of Information by Intermediaries providing Digital Locker facilities) Rules, 2016, the issued documents in DigiLocker system are deemed to be at par with original physical documents. You can access DigiLocker on the web or the most convenient of all - the DigiLocker mobile application.

Why You Should Save Your Driving License in DigiLocker

Documents stored in DigiLocker are at par with the original physical documents, per Rule 9A of the Information Technology Rules, 2016. Here are the benefits of linking driving license to DigiLocker -

You need not carry the physical copy of your driving license

You can view all the information pertaining to your driving license, i.e., license number, issue and expiry dates, etc., on the DigiLocker platform.

The Driving License in DigiLocker is valid as an identity or address proof and is accepted by most agencies

If any authority wants to spot-verify the DigiLocker Driving License, they can do so by scanning the QR Code displayed on the license.

How To Get Started with DigiLocker?

Download the DigiLocker app on your mobile phone or visit the DigiLocker Website

Sign-up by providing your full name, date of birth, Aadhaar-linked mobile number, Aadhaar number, email ID and a 6-digit PIN as a password to login. Click on Submit

Enter the OTP that you will have received on your registered mobile number

Create a username and log in

After logging in, upload your Aadhaar Card by going to 'Unique Identification Authority of India (UIDAI)' on DigiLocker and adding your Aadhaar Card

Your account is ready for uploading other documents, and you can view the electronic copy of your Aadhaar under 'Issued Documents'

How To Get DigiLocker Driving License

Login to DigiLocker on the mobile app or website

Go to 'State Government', select your state and click on 'Motor Vehicle Department'

Select 'Driving License' and enter the driving license number from the physical document

Provide consent and click on 'Get Document'

Now you can view the driving license under 'Issued Documents' along with your Aadhaar Card.
Bottom Line
Most public as well as private agencies accept electronic documents. You can store these documents on your phone in digital form - a device you have on you at all times.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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how to link driving licence to digilocker

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Digilocker Driving Licence - Know How to Link Driving Licence with Digilocker | Liberty General Insurance

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10 Dec 2021 Introduction You are riding your motorcycle to work one morning. A traffic police officer doing a daily check stops you and asks for your driving license. You reach out to grab your wallet and are hit with paranoia when you realise you forgot your wallet at home.

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Importance of Grace Period in Car Insurance | LGI

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Importance of Grace Period in Car Insurance | LGI

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Insurers give Car Insurance a grace period to give you extra time to renew insurance. Refer this blog at LGI to know more about Grace Period in Car Insurance

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10 Dec 2021

It is mandatory to have at least third-party car insurance to legally drive your car on Indian roads. If you fail to renew your car insurance policy on time, you face the risk of heavy expenditure if you meet with an accident. You may also get fined by the police. Fortunately, insurance companies offer car owners a grace period for car insurance renewal.

What is grace period in car insurance?

The grace period is a span of time after your car insurance policy lapses during which you can still renew coverage without losing benefits. This car insurance grace period is given by insurers to give you a bit of extra time to renew insurance. The grace period is given for third-party insurance and comprehensive motor insurance policies.

Insurers understand that you may not be able to renew your coverage at its due date due to certain personal reasons or emergencies. The grace period in car insurance lets you continue your coverage without losing out on the accumulated benefits of your plan. However, it is important to note that your car insurance policy is not active during the grace period, and you cannot make a claim.

Duration of grace period in car insurance

The exact duration of the grace period for car insurance payment can vary between insurance companies. Generally, this period lasts anywhere between two weeks to 30 days. You could consider reaching out to your insurer to ask the exact details of their grace period.

Benefits of the grace period

True to its name, the grace period can prove to be a saving grace. It lets you -

Retain all the benefits of your car insurance policy such as the no-claims bonus

Keep your policy active on the same terms even though you cannot raise any claims

Enjoy the same car insurance premium as well as any discounts that you may get from the no-claim bonus

Therefore, make sure to renew your car insurance policy on time or within the grace period for the peace of mind that continued coverage brings.

Frequently asked questions on grace period in car insurance
Can I renew car insurance online during the grace period?
If your insurer offers you the facility of renewing car insurance online, you can renew your coverage during the grace period online as well. Simply log on to the insurer's website, provide the details as required, read the terms and conditions, and make your payment.
What happens if I fail to renew car insurance in the grace period?
If you do not renew your car insurance during the grace period, your policy will expire. If your car insurance expires, you will lose the benefits that you have accumulated, such as the no-claims bonus, and you will have to apply for a new car insurance policy which might cost you more than your existing coverage.
Can I raise a claim for third-party damages during the grace period?
No, you cannot raise any kind of claim during the grace period in car insurance.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration

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Grace Period in Car Insurance & Its Benefits | Liberty General Insurance

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10 Dec 2021 It is mandatory to have at least third-party car insurance to legally drive your car on Indian roads. If you fail to renew your car insurance policy on time, you face the risk of heavy expenditure if you meet with an accident. You may also get fined by the police.