About Car Insurance in Kolkata
Often described as the “City of Joy,” Kolkata, the capital of West Bengal, is a eclectic mix of colonial charm and the proverbial Bengali ‘culture.’ Famous for its street food, laid back people, and of course the annual Durga puja, which brings the entire city to standstill for a week, Kolkata is also home to iconic structures like the Howrah Bridge and Victoria Memorial. Once infamous for its chaotic traffic, the city now boasts one of the best managed traffic systems in the country. The cost of living in Kolkata is among the lowest in the country, which means most cars too are slightly less expensive to buy, run and maintain than in other metros. Since insurance is a must for any car to run on Indian roads, it is important to choose your policy wisely. LGI offers a range of car insurance policies in Kolkata which are optimised to suit your needs. From basic Third Party policies which only insure others involved in an accident with your car, to Comprehensive Policies which give you complete peace of mind.
You can also find a list of Liberty General Insurance-partnered garages at our garage locator
Why choose Liberty General Insurance in Kolkata?
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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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Incorporate amendments in
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Additional Protection Cover
Check our list of add-on policies
for your car
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Find the nearest garage through
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Types of car insurance policies
It is mandatory to have third-party insurance under the Motor Vehicle Act of 1988. Driving without it is a punishable offence under the act. The third party policy provides coverage against 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 gives you the option to choose various add-on covers such as depreciation cover, passenger assist, consumable cover, engine safe cover, Gap value cover, Key loss cover, and roadside assistance cover.
What are the documents required to settle a claim?
In case you raise a car insurance claim in Kolkata, you need to provide the following:
- Your insurance policy number
- Contact number
- Time and date of the accident
- Your vehicle number
- Accident location (in case of an accident).
You will be also required to provide the name of the policyholder, the model and make of the vehicle, and a detailed explanation of how the accident took place. You will also need to provide garage details where your vehicle is located to avail car insurance in Kolkata
In case of a third party-related injury, you will be required to provide the details of the third-party. Other documents will include a first information report (FIR) from the police station where the accident took place, proof of insurance, tax receipt, registration book, the driver’s licence of the insured driver, estimated cost of repair from the garage.
In case you have made the payment, you will be required to submit repair bills and receipts, as well as a claims discharge-and-satisfaction voucher signed across a revenue stamp (Only for a cashless claim).
How do I receive my car insurance policy?
A soft copy of the policy will be sent to your email address, while the policy document will be mailed to your registered home or office address. We encourage you to buy and renew your policy online, as it is also a green initiative.
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.
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.
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
If you wish to visit us at our Kolkata Office, then you can contact our nearest office here
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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