About Car Insurance in Kanpur
Located on the west bank of the Ganga in Uttar Pradesh, Kanpur is famous for its leather and textile industries. Originally a small village called Kanpur in the 13th century, it is today an important industrial and commercial centre in Uttar Pradesh. The city boasts one of the oldest Indian Institutes of Technology, set up in 1959, and Ganesh Shankar Vidyarthi Memorial Medical College, a state-run medical college founded in 1956. It also home to three state run universities, including Chhatrapati Shahu Ji Maharaj University, one of the largest universities of Asia, with a wide variety of courses catering to urban and rural students. There are also several private technical and management institutions spread across the city.Read More
Why choose Liberty General Insurance in Kanpur?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Our inspection process means you don’t have to endure any hassles
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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
Daily Customer Service
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Find the nearest garage through
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Types of car insurance policies
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.
Third Party Insurance
The Motor Vehicle Act of 1988 has deemed it mandatory to own third-party insurance. Driving without it is a punishable offence under the act. However, this policy only applies to third party damage, and does not cover damage to your own vehicle.
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.
Do I have to renew my four wheeler insurance every year?
Yes. Car insurance policies are usually offered for one year, so you will have to buy or renew your policy every year. It is recommended that you purchase your policy online not just to save time and paperwork, but also because you can get various benefits including better premiums. Moreover, you can contribute to the Go-Green Initiative Plan we’ve devised for the betterment of our planet. If you purchase or renew your car insurance policy online, we will send you a soft copy of your policy document on your registered e-mail address. Also remember to purchase or modify the necessary add-on riders as per your requirements.
Should I buy third-party or comprehensive car insurance?
Third-party car insurance is mandatory according to the Motor Vehicle Act of 1988. However, it is advisable to buy a comprehensive car insurance, as third-party car insurance only covers third-party liability, and any damage to your car will not be covered. You can choose one of several Liberty General car insurance policies that cater to your requirements to ensure that you don’t feel the pinch in case your car is damaged.
What are add-on riders?
Add -on riders, are additional covers that provide all-round protection to your car. You can choose from a wide range of add-on covers including:
- Depreciation cover
- Passenger Assist
- Consumables cover
- Engine safe cover
- GAP value cover
- Key loss cover
- Road-side Assistance cover
Add-on riders are not a part of your insurance policy and you have to pay separate premium for each rider you select as per your requirement
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. 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.
If you wish to visit us at our Kanpur Office, then you can contact our nearest office here
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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