Car Insurance in Mumbai

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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.

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Why choose Liberty General Insurance in Mumbai?

Hassle-free paperwork

91% claim settlement ratio (2018-19)

97+ offices all over India

4,300+ partner garages in India

Key Features

Hassle-free inspection & Cashless Claim Services
Hassle-free inspection

Our inspection process means you don’t have to endure any hassles

Claim Settlement
Claim Settlement

Enjoy Hassle-free settlement with
Liberty General Insurance

Ease of Endorsement
Ease of Endorsement

Incorporate amendments in
your existing policy

Additional protection cover
Additional Protection Cover

Check our list of add-on policies
for your car

Customer Service – 7 Days a Week
Daily Customer Service

Call us from 8 am to 8 pm,
7 days a week

Cashless Garages
Cashless Garages

Find the nearest garage through
our garage locator

Types of car insurance policies

Third party Insurance

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.

Comprehensive Insurance

Comprehensive Insurance

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 to Car Insurance

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.
Add-on covers

Add-on covers

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.

FAQs

What are the documents required to file a claim against car insurance in Mumbai in case of accident?

Should I buy third-party or comprehensive car insurance?

Do I have to renew my car insurance policy every year?

What are add-on Riders?

Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656

2019 Liberty General Insurance Ltd.

Reg Office: 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013

Trade Logo displayed above belongs to Liberty Mutual and used by the Liberty General Insurance Limited under license. For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale.

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