When securing your vehicle with Liberty General car insurance, the protection goes beyond the basics. Explore our range of add-on covers designed to cater to your unique needs:
a) Depreciation Cover:
Recover the depreciation amount deducted on replaced parts under the Own Damage Section of your policy.
Conditions for Claim:
- Repair the insured vehicle at Liberty General’s authorized garages.
Exclusions:
- Claims for repairs at non-authorized garages.
b) Consumables Cover:
Covering expenses for specific items rendered unfit after damage to the insured vehicle, including grease, lubricants, and more.
Special Conditions:
- Claims permissible under the “Own Damage Section.”
- Supporting costs with original bills from Liberty General’s authorized garages.
- Repairs must occur within three days of the loss.
Exclusions:
- Expenses in total or constructive loss events.
- Labour charges and service taxes from repairs.
- Repairs from local garages against insured items.
c) Gap Value Cover:
Claim the difference between Own Damage Section compensation and the purchase invoice price, including road tax and registration charges.
Special Conditions:
- Vehicle not over three years old.
- Admissible Total or Constructive Total Loss under Own Damage Section.
- Insured must be the first registered owner.
- Vehicle manufactured in India.
Exclusions:
- Covers only first-registered-owner vehicles.
- Excludes imported cars.
d) Roadside Assistance Cover:
Receive assistance for breakdowns anywhere in India, including towing, minor repairs, lost keys, flat tires, emergency fuel, and alternative transport.
Special Conditions:
- Charges apply for non-standard services.
Exclusions:
- Assistance from unauthorized vendors.
- Expenses for part replacements or fuel.
e) Passenger Assistance Cover:
Comprehensive cover for passengers, including hospital allowance, medical expenses, and medical transport assistance.
Special Conditions:
- Coverage from registered medical practitioners.
f) Key Loss Cover:
Reimbursement for replacing lost, broken, or damaged keys, or in case of a break-in or threat to car security.
Special Condition for Not Using this Cover:
- Requires a police report confirming the incident details.
g) Engine Safe Cover:
Protect your engine, including the engine block and gearbox, against water ingression or oil leakage due to accidental damages.
Special Conditions:
- Claims after providing evidence of submersion or waterlogged area.
- Vehicle taken to the garage within 24 hours after water recedes.
- Notification to Liberty General within three days.
Special Exclusions:
- Loss or damage covered under the manufacturer’s warranty or part of a manufacturer’s recall.
- Liberty General’s add-on covers ensure a tailored, all-encompassing shield for your vehicle. Don’t just drive, drive protected.