About Car Insurance in Berhampur
Brahmapur is a city on the eastern coastline of the East Indian state of Odisha. Brahmapur is a business hub and has little to offer in terms of tourist activities. Nevertheless, it is an interesting place to visit if you want to know the feel of a busy Indian city off the well-travelled path. For the intrepid explorer, Brahmapur offers a variety of good shopping options and some food discoveries. The rural development NGO Gram Vikas is located 14 km outside of Brahmapur, and host a number of international volunteers each year.Read More
Why choose Liberty General Insurance in Berhampur?
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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.
How much fine do I have to pay in case I do not have Car Insurance?
The first-time offence of driving without car insurance levies fine of INR 2000/- and/or incarceration of up to 3 months. Repeated offence will invite charges of INR 4000/- and/or imprisonment of up to 3 months.
Why do I need to insure my vehicle?
The Motor Vehicle Act of 1988 mandates that every vehicle shall have an insurance policy. An insurance policy provides a blanket cover protecting you from losses, accidental, theft, or otherwise. Additionally, car insurance also compensates for damages to co-passengers and other vehicles.
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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