About Car Insurance in Balasore
Balasore or Baleshwar is a city in the state of Odisha, about 194 kilometres (121 mi) north of the state capital Bhubaneswar and 152 kilometres (94 mi) from Kolkata, in eastern India. It is the largest city of northern Odisha and the administrative headquarters of Balasore district. It is best known for Chandipur beach. The Indian Ballistic Missile Defense Program's Integrated Test Range is located 18 km south of Balasore. Balasore culture is a blend of traditional festivals, food, and music.Read More
Why choose Liberty General Insurance in Balasore?
Reliable customer support
24/7 Spot Assistance
Engine Protection Cover
Key and Lock Replacement
Our inspection process means you don’t have to endure any hassles
Enjoy Hassle-free settlement with
Liberty General Insurance
Ease of Endorsement
Incorporate amendments in
your existing policy
Additional Protection Cover
Check our list of add-on policies
for your car
Daily Customer Service
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7 days a week
Find the nearest garage through
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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.
Are electrical and non-electrical accessories covered under LGI private car insurance?
Electrical and non-electrical accessories will be covered under LGI Private Car Package Policy as follows-
- Electrical accessories
Electrical accessories which are not a part of factory-fitted equipment of the vehicle will be covered under the insurance policy on payment of additional premium.
- Non-electrical accessories
Any non-electrical equipment which is not factory-fitted with the vehicle will be covered under non-electrical accessories at an additional premium.
Is there any discount offered on LGI car insurance if I install an anti-theft device?
Upon installation of an Automobile Research Association of India (ARAI) approved anti-theft device in your vehicle, which is dully certified by the Automobile Association of India, you can get a discount of 2.5% on the OD (Own Damage) premium subject to maximum of Rs. 500
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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