About Car Insurance in Rajahmundry
Rajahmundry, officially known as Rajamahendravaram, is a city in the Indian state of Andhra Pradesh. Located 200 km southwest of state's executive capital Visakhapatnam on the banks of Godavari River, it is the seventh most populated city in the state.
During British rule, the District of Rajahmundry was created in the Madras Presidency in 1823. It was reorganised in 1859 and bifurcated into the Godavari and Krishna districts. The weather is hot and humid, with a tropical climate and, therefore, no distinct seasons.Read More
Why choose Liberty General Insurance in Rajahmundry?
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Additional Protection Cover
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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.
What is the meaning of the term IDV in car insurance?
IDV stands for Insured Declared Value. This is the best estimate of the current market value of your car. IDV is important because it is the value you shall receive in case your car is stolen or undergoes total damage.
This is assuming you have an Own Damage / Comprehensive Car Insurance policy for your car. IDV is not valid in case of Third Party Car Insurance Policy.
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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