About Car Insurance in Mumbai
Mumbai is one of the most populous metros in the world, and the number of cars purchased every day is just an indicator that the city is only growing. With every car purchase, there is also a need to get car insurance, and you need to choose a comprehensive car insurance policy that will meet your requirements.
Today, it's necessary to have the right car insurance that suits your requirements, as the car insurance keeps you financially well-covered. In a city such as Mumbai, which is one of the costliest cities in the country, this is more pronounced, as your vehicle is usually costlier than other parts of the country.Read More
Why choose Liberty General Insurance in Mumbai?
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
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
Call us from 8 am to 8 pm,
7 days a week
Find the nearest garage through
our garage locator
Types of car insurance policies
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. 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 insurance is not covered in case of Own Damage policy?
- 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 file a claim against car insurance in Mumbai in case of accident?
In case you wish to raise a car insurance claim in Mumbai, you will be required to provide the following:
- Your insurance policy number
- Contact number
- Time and date of the accident
- Your vehicle number
- Accident location.
You will be also required to provide information such as 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 Mumbai.
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).
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.
Do I have to renew my car insurance policy every year?
Yes. Car insurance in Mumbai are usually offered for one year, so you will have to buy or renew your policy every year. It is recommended that you purchase and renew your policy online not just to save time and paperwork, but also because you can get various benefits including better premiums. We recommend purchasing and renewing insurance online as part of our Go-Green Initiative plan, wherein you will receive soft copies of your insurance policy. Apart from our website, you can also renew your policy by downloading our mobile app available on the Android and iOS App Store and through WhatsApp messenger.
What are add-on Riders?
Add-on riders, are special covers that help provide all-round protection to your car, over and above what your car insurance policy covers. 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 premiums to purchase them.
Now, you can buy a new Liberty General Car Insurance Policy and renew it online too.
If you wish to visit us at our Mumbai Office, then you can contact our nearest office here
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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Reg Office: 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013
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