About Car Insurance in Amritsar
Amritsar is a holy city in the state of Punjab in India. The name of the city derives from the name of the pool around the Golden Temple and means "holy pool of nectar" lake. It is the spiritual and cultural centre of the Sikh religion, and they are proud of the city and the beautiful and unique Gurdwara. The Golden Temple was initiated by Guru Ramdas Ji, the fourth Sikh Guru, and completed in 1601 by his successor Guru Arjan Dev Ji. It is now a major pilgrimage and tourism hub. Best time to visit Amritsar is in the winter, between October and March. The Golden Temple is the main attraction in the city, and the most important religious place to the Sikhs.Read More
Why choose Liberty General Insurance in Amritsar?
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97+ offices all over India
4,300+ partner garages in India
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Ease of Endorsement
Incorporate amendments in
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Additional Protection Cover
Check our list of add-on policies
for your car
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Types of car insurance policies
Third Party Insurance
Driving without a Third Party or Liability Only insurance policy is a punishable offence under the Motor Vehicles Act of 1988. This policy, however, only covers loss or damage suffered by a third party in case of an accident arising out of the use of the insured vehicle. Remember that it does not cover any loss or damage to the insured vehicle or to the insured.
As the name suggests, this is an all-inclusive policy which offers complete coverage for loss or damage to the third party as well as to you in case of theft or an accident.
Own Damage (OD) Cover
This policy covers damage caused by fire, explosion, lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc.
What Own Damage Insurance does not cover for your car?
- Damages to a third party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive car insurance)
- Damage caused to a third-party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your Private car for commercial purposes.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Consequential loss
Liberty General Insurance also offers various add-on covers which include depreciation cover, passenger assist, consumable cover, engine safe cover, GAP value cover, key loss cover, and roadside assistance cover.
What is No Claim Bonus or NCB in four-wheeler insurance?
No-claim bonus (NCB) is a discount in OD premium offered by vehicle insurance companies on car insurance if an Insured has not made a single claim during the term of the motor insurance policy. No Claim Bonus (NCB) is offered to an Insured as per the NCB Slab (GR 27). An insured becomes entitled to NCB only at the renewal of a policy (which was bought as a new car insurance policy) after the expiry of the full duration of 12 months.
No Claim Bonus can be transferred on new car insurance subject to Insured having NCB Reserving Letter.
What happens to the NCB of my motor car insurance in case I switch my insurer?
The next slab of NCB will be allowed in the new motor insurance policy of New Insurer (listed car insurance companies in India) subject to no ownership transfer, no claim in Previous Policy and previous policy runs for the full period of 12 Months (365 days). The policy buyer can compare various car insurance quotes and the benefits to purchase the best car insurance policy in India with the advantage of NCB.
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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