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Private Car Package policy Private Car Package policy

Your vehicle is more than just a mode of transport. It represents your personality; it shows who you are and hence, is a highly cherished possession. Your vehicle is not only a utility, it is also a possession of pride. And in this age with the fast pace of life trying to overtake us every day, it is impossible to imagine living without conveyance. Be it a small market visit or the daily commutes to work, to parties and get-togethers, vehicles are an irreplaceable part of life. We work hard for it, and we pay a lot for it, and we care for it with complete devotion.

But as much as you love your vehicle, you cannot predict or avoid an unfortunate circumstances like damage or loss. It is an inevitable part of ownership, even if you are the most careful person; you cannot vouch for everyone on the road. Such incidents generally also involve a lot of expenditure towards restoration or repair altogether. It has been said many a times: better safe than sorry; and you can be truly prepared for such eventualities with the right Car insurance with the Liberty Videocon Private Car package Policy by your side.

Our motor insurance policy will provide you with a comprehensive coverage that not only covers your car against the mandatory third party liability, but also against the losses caused to your car due to fire, theft, explosion, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts as well as terrorist activities.

Features & Benefits

Why buy car insurance from Liberty Videocon? Well, there are a number of key benefits of buying a Liberty Videocon Private Car Insurance Policy, and here are some of the prominent Car insurance details:

Hassle-free inspection & cashless claim service at more than 1900 network garages.

Claim settlement within 7 working days.

Transfer existing No Claim Bonus from any insurance provider.

Avail of additional protection & convenience through different add on covers.

Swift telephonic service for effective claims support & assistance even on Sundays & holidays, all available on a toll free number.

Policy Inclusion

WHAT DOES THIS PRIVATE CAR INSURANCE POLICY COVER?

This vehicle insurance policy by Liberty Videocon provides cover for the following occurrences:

Loss or damage to the vehicle due to:

  • Accident
  • Fire
  • Lightning
  • Self-ignition
  • External explosion
  • Burglary
  • Housebreaking or theft
  • By accidental external means
  • Malicious act
  • Riot and strike
  • Terrorism
  • Earthquake, flood, landslide, rockslide, cyclone and inundation
  • Whilst in transit by rail, road, air, elevator, lift.
  • Personal accident cover in case of loss of limb or sight, disablement or death
  • Liability for third party injury or death and damage caused to their property
  • By paying an additional premium, one can opt for extra cover in case of:
    • Loss or damage to electrical and non-electrical accessories
    • Personal accident cover for the insured and any named or unnamed passenger(s)
    • Cover for lamps, tires/tubes, mudguards, bonnet etc. and paintwork of the damaged portion
    • Legal liability to person employed (paid driver /cleaners)
    • Legal liability to person employed travelling in the vehicle (other than driver/cleaner)
    • Indemnity granted to trailers
    • Legal Liability to Non-Fare Paying Passengers other than Statutory Liability except the Fatal Accidents Act, 1855

Policy Exclusion

WHAT DOES THIS PRIVATE CAR INSURANCE POLICY NOT COVER?

Some of the major exclusions under this vehicle insurance policy by Liberty Videocon are:

Consequential loss

Claims arising out of any contractual liability

Loss or damage covered under manufacturer ’s warranty or part of manufacturer ’s recall

Loss or damage to the engine and/or gear box due to delay in intimation to the insurer or delay in retrieval of insured vehicle from water clogged area.

Depreciation; wear and tear

Mechanical and Electrical breakdown; failure or breakage

When the vehicle is used outside the geographical area

When used contrary to limitations as to use

When driven by a person other than the driver stated in the driver’s clause

​War perils, nuclear perils and drunken driving

Add on Covers

What separates good car insurance from an average one is not only the exhaustive nature of its core offering, but the number of value-add covers that come along with it. At Liberty Videocon General Insurance Company, it is our endeavour to offer you the best evolved benefits that give enhanced value additions that are over and above the basic car insurance policy. These 5 add on covers provide additional benefits to your basic car insurance, thereby adding to the comprehensiveness of your motor insurance:

Depreciation Cover

This cover promises a comprehensive coverage for your vehicle. This cover offers full claim without any deduction for depreciation on the value of parts replaced. If your car is damaged following a collision, for instance, and you file a claim under this car insurance, it will be covered for the entire cost.

Consumable Cover

This cover reimburses the cost of consumables, i.e. Items that are unfit for further use, arising out of damage to the damage to the insured vehicle or the accessories, caused by accidents or perils. Consumable items include grease, lubricants clip, air conditioner’s gas, bearings, engine oil, oil filter, fuel filter, break oil, nut and bolt, screw, washers etc.

GAP value cover

GAP insurance covers the difference between the actual declared value of a vehicle and the showroom cost of the same new car. Hence, it covers the vehicle at original 100% cost including road taxes that have been paid.

Passenger Assist Cover

This particular Add-on cover offers the insured with the following protection such as hospital allowance, medical expenses, and medical transport assistance. Reimbursement of medical charges for the passengers and driver are undertaken under this cover. It also entitles you to get the charges towards transportation of insured persons in Ambulance to the Hospital post suffering bodily injury caused by an accident while travelling in, embarking or disembarking from the insured vehicle.

War perils, nuclear perils and drunken driving

This cover offers the road side assistance through an authorized vendor in case of breakdown of the insured vehicle, under these services, a customer can avail of road side assistance, which will include mechanical & accidental breakdown towing, on site repairs, fuel delivery, assistance in case of wrong fuelling, battery jumpstart, flat tyre change, locked and lost keys and a host of other road side emergency assistance services.

Two Wheeler Insurance Liberty Videocon's Two Wheeler Insurance

In today’s fast-paced life and ever-growing economy, one must do all he can to keep up. And no matter how much times might change, the demand for two-wheelers is always high. Owning a two-wheeler is a sensible and economic decision, and not to mention, it is also a convenient way to beat the heavy and congested city traffic. It is easier to navigate a two-wheeler as compared to navigating a car, and two wheelers can also be used at anytime of the day without having to think about its size and manoeuvrability in the traffic.

But as these two-wheelers get more technologically advanced, so does the motor insurance cover, which takes care of any unfortunate loss or damage that might happen to the vehicle. Keeping that in mind, having the right motor insurance is a simple way to be prepared for such situations and eventualities. This is where Liberty Videocon comes in, offering a comprehensive two wheeler insurance cover. This two wheeler insurance not only covers you for liabilities that could arise out of third party issues, it also covers you against other expenses that you might incur as a vehicle owner.

This insurance policy cover includes motor cycles, bikes, scooters, mopeds, auto-cycles and mechanically-assisted pedal cycles. Any individual, corporate owner, as well as the financier of the vehicle in India, can avail this comprehensive two wheeler insurance policy.

Features & Benefits

But why buy two wheeler insurance from Liberty Videocon? Following are some of the key benefits of buying a Liberty Videocon Two Wheeler Package policy:

Hassle-free inspection & cashless claim service

Covers partial or total loss to your vehicle arising out of accident or theft.

Covers third party damage and third party bodily injury.

Discount on renewal (NCB) for claim free experience

Predefined depreciation for the parts needing replacement on account of accident

Swift telephonic service for effective claims support & assistance even on Sundays & holidays all available on a toll free number.

Vehicle relocation to the nearest garage in case of major breakdown.

Lost key assistance

Claim settlement within 7 working days.

Policy Inclusion

The insurance policy provides cover for the following:

Accidental damage to the vehicle

Liability for third party injury or death, and damage caused to their property

By paying an additional premium, you can opt for extra covers in case of

  • Loss or damage to electrical and non-electrical accessories
  • Personal accident cover for the insured and any named or unnamed passenger(s)
  • Legal liability to persons employed (paid drivers/cleaners)
  • Legal liability to employees of the insured (other than paid drivers /cleaners)
Policy Exclusion

Some of the major exclusions under this vehicle insurance policy by Liberty Videocon are:

Consequential loss

​Except in the case of total loss or additional covers, loss of or damage to lamps, tires, tubes mudguards, etc. as well as paint work are not covered

Claims arising out of any contractual liability

Loss or damage covered under manufacturer ’s warranty or part of manufacturer ’s recall

Loss or damage to the engine and/or gear box due to delay in intimation to the insurer or delay in retrieval of insured vehicle from water clogged area

Depreciation, wear and tear

Mechanical and electrical breakdown, failure or breakage

When the vehicle is used outside the geographical area

When used contrary to limitations as to use

When driven by person other than the driver stated in the driver’s clause

War perils, nuclear perils and drunken driving