Private Car - Renew Policy

Car Insurance Renewal

Car insurance is mandatory for every four-wheeler plying on the road in India as per the Motor Vehicle Act, 1988. Liberty General Insurance (LGI) not only provides the best car insurance, but also the convenience to choose online car insurance renewal, which saves you from the hassles of visiting a branch in-person. LGI offers car insurance that you can count on –we offer quick claim settlement within 7 days. At the same time, we are ready to help you with effective claims support & assistance.

Driving without insurance is forbidden by law and can expose you to legal hassles and penalties. Hence, it is important to purchase and renew car insurance on time. Bank on Liberty General Insurance for your car insurance purchase and renewal that keeps you well-covered when on the move!

Types of car insurance covers

There are two types of insurance policies -

  • Liability Only Policy (Statutory Requirement)
  • Package Policy (Liability Only Policy + Damage to owner’s vehicle called O.D. or Own Damage Cover)

Own Damage to the vehicle insured caused by-

  • Accident due to external means
  • Earthquake, flood, storm, landslide, rockslide
  • Burglary, housebreaking or theft
  • Fire, explosion, self-ignition, lightning
  • Terrorism, riots, strike or malicious act
  • Transit by road, rail, inland waterway, lift

Your policy also includes Reimbursement of towing charges up to maximum of Rs. 1,500/- or actual, whichever is lower.

Liability towards third party arising out of-

  • Accidental death/injury to third party/paid driver
  • Damage to property owned by third party up to Rs. 7,50,000/-
  • Wear and tear, mechanical or electrical breakdown, failure or breakage
  • Damage by a person driving with invalid driving license or under the influence of alcohol/drugs
  • Depreciation, any consequential loss
  • Claims arising out of contractual liability
  • Loss/damage due to war, civil war, mutiny, nuclear perils, etc.
  • Damage to tyres and tubes unless the vehicle is damaged during an accident
  • Use of vehicle otherwise than in accordance with the ‘limitations as to use’ (e.g., private car being used as a taxi)
  • Loss/damage outside India

a) Depreciation Cover

It covers Depreciation amount deducted on the value of parts replaced as a result of admissible claim under Own Damage Section of policy.


Insured vehicle should be repaired at any of Company’s authorized Garage.


It does not cover the claims in which vehicle is not repaired at any of the Company’s authorized Garage.

b) Consumables Cover

It covers expenses incurred towards “those items or substances of specific use which at the time of loss are either totally consumed or rendered unfit for further consumption” arising out of damage to the vehicle insured and/or to its accessories.

Consumables shall mean those items or substances which have specific use and when applied to their respective uses are deemed to be consumed completely and/or are deemed to be unfit for future use. These items include grease, lubricants clip, air conditioner’s gas, bearings, engine oil, oil filter, break oil, nut and bolt, screw, washers and the like.

Special conditions applicable

  • For any claim to become payable under this add-on, it should be admissible under “Own Damage Section” of the Policy
  • All such costs to be supported with proper bills/invoices only from Garages authorized by the company
  • Such repairs to be undertaken within three (3) days of the date of loss


  • Expenses under this add on in an event of a Total/Constructive Total Loss
  • Labour Cost plus Service Tax in respect to such consumables
  • Repairs/Labour bills from Local Garages against insured items.

c) Gap Value Cover

Company agrees to pay the “difference amount” between the amount received under Own Damage Section i.e. Insured Declared less deductibles under the policy AND price as per purchase invoice OR the current replacement value of vehicle if the same make model is available, whichever is less in the event of a Total Theft or Total Loss/Constructive Total Loss of the vehicle.

It also covers the Road Tax and first time registration charges if specifically declared and additional premium is paid.

Maximum liability to the company is limited to the sum insured mentioned in the policy schedule.

Special Conditions applicable to this benefit

  • The vehicle is not more than 3 years old on the date of commencement of the policy period
  • The Total Loss/Constructive Total Loss (CTL) or Total Theft of the vehicle should be admissible under the Own Damage Section of the policy
  • Insured should be the first registered owner of the vehicle
  • Vehicle insured should be indigenous


  • It covers only First registered owner vehicles
  • It does not cover imported vehicles

d) Roadside Assistance Cover

In case of breakdown of the insured vehicle LGI will provide roadside assistance through the authorized vendor.

  • Vehicle relocation to the nearest garage in case of Major Breakdown
  • Repair services for Minor Breakdown
  • Assistance in case of Lockout/Lost Keys
  • Changing of Flat tyre
  • Arrangement of emergency fuel in case the vehicle runs out of fuel
  • Alternative transport assistance to the nearest safe location for the passengers of the vehicle

Special conditions

All additional expenses regarding replacement of a part, additional Fuel and any other service which does not form a part of the standard services mentioned above would be on chargeable basis to the insured.


  • Roadside Assistance other than authorized vendor
  • It does not cover the expenses towards replacement of any parts and fuel cost

e) Passenger Assistance Cover

It is a comprehensive cover to secure the passengers travelling in the insured vehicle. The cover includes-

  • Hospital Allowance
  • Medical Expenses
  • Medical Transport Assistance

Special Conditions applicable to Medical Expenses Coverage

The Company stands to cover medical expenses for treatment taken from only registered medical practitioners under respective medical councils.

f) Key Loss Cover

In consideration of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions, exclusions and limitations that the Company will reimburse insured towards-

  • The cost of replacing vehicle keys in case of irrecoverable occurrences of lost or broken or damaged keys
  • The cost of replacing locks and keys in case of theft of keys and/or if the vehicle is broken into along with damage to the locks/keys of the insured vehicle resulting in security threat to the vehicle.

Special Condition

Insured s required to provide police report confirming the incident details occurring during the mentioned Policy Period.

g) Engine Safe Cover

Company undertakes to provide cover to the engine of the insured vehicle including its block and child parts along with the gear box, transmission or differential assembly provided the loss or damage is due to-

  • a) Ingression of water in the engine or
  • b) Leakage of lubricating oil from the engine/assembly arising out of accidental damage

Special Conditions

  • Water ingression cover will commence only when there is an evidence of vehicle being submerged or having stopped in a water logged area
  • Vehicle is taken to the garage within 24 hours of water receding from the water logged area and the intimation to the Company be given not later than three days from the receding of water
  • Insured shall take reasonable care to avoid further damage to engine/gear box post water ingression or leakage of lubricating oil. Insured should not try to crank or push start the engine post undercarriage damage or post insured vehicle stopping due to water ingression

Special Exclusions

  • Loss or damage covered under manufacturer’s warranty or part of manufacturer’s recall
  • Loss or damage to the engine and/or gear box due to delay in intimation to the insurer or delay in retrieval of insured vehicle from water clogged area

Car Insurance Renewal FAQs

Q. Why insure a motor vehicle?

A. Insurance helps protect your vehicle and you against financial loss caused by accidents, damage or theft. While driving on public roads, you are responsible for the safety of your passengers, and other people. Plus, it is mandatory to have third-party motor insurance at the very least, and ensure timely motor policy renewal every year.

Q. Is car insurance renewal mandatory every year?

A. Yes, car insurance renewal, like having car insurance, is mandatory every year. In other words, car insurance policies are annual policies which have to be renewed every year.

Q. Can I opt for online car policy renewal?

A. Yes, you can do your car insurance renewal online through Liberty General Insurance’s website.

Q. Is there a grace period for car insurance renewal?

A. Car insurance policy is usually valid for a period of one year, and car policy renewal has to be initiated before the expiry date. There is no grace period offered for four wheeler insurance renewal.

Q. What happens to the NCB if a car insurance policy expires?

A. If a car insurance policy expires and car policy renewal is not initiated, the policy benefits will cease but the accrued NCB will be valid for a period of 90 days. If you do not initiate four-wheeler or car insurance renewal and let your policy lapse for more than 90 days, the NCB will also be lost.

Q. What all information is required for online car insurance renewal?

A. For online car insurance policy renewal, you will require the LGI insurance policy number, vehicle’s registration number, manufacturer’s name and model detail.

Q. How to renew a policy if it has expired?

A. In case of lapse of policy by even one day, the vehicle has to be inspected. If you policy has lapsed you need to initiate car insurance renewal as soon as possible and don’t drive your car till you buy car policy online or by visiting your nearest LGI branch.

Here are the steps that you can follow for car insurance policy renewal -

  • Contact your nearest LGI branch
  • Get your vehicle inspected
  • Keep all documents handy
  • Buy a new policy

Q. How can I renew LGI car insurance policy?

A. For car insurance policy renewal with LGI, you can do it online on the website, or visit your nearest LGI branch.

Q. How to initiate online car insurance renewal with LGI?

A. For four-wheeler insurance renewal online, you will have to visit the LGI website. By entering your existing LGI policy number and car registration number, you can initiate an online car insurance renewal with us.

Q. Which is the best way of car insurance renewal?

A. You can choose online car insurance renewal through the LGI website. Online renewal is simple and quick, making it the best car insurance renewal.

Q. What are the benefits of online car policy renewal?

A. When you choose online car policy renewal, you get an instant policy as there is no documentation involved. Plus, you have the advantage to pay online through multiple payment options without visiting our branch.

Q. How can I update my communication address and telephone number during car insurance renewal?

A. During car insurance renewal or at any time during the policy tenure, you can update your communication address and telephone number in the following ways -

  • Contact us on our toll free number (1800-266-5844) OR​ send an email at for your four wheeler insurance renewal online.
  • Fax your request to 022-6700 5844 OR visit our branch office

Q. How to locate the nearest LGI branch office for car policy renewal?

A. To renew the insurance of your four wheeler i.e. car insurance renewal, you can locate the nearest LGI branch office using the ‘branch locator’ tool on LGI website.

Q. Is service tax applicable during car insurance renewal and how much is it?

A. Yes, service tax is applicable on car insurance policy renewal and would be charged as per prevailing rules.

Why Car Insurance?

Listen to Our Customers

Thanks Manish

Dear Mr. Dharma – I would like to thank your company personnel at the customer services division for their excellent support. Your customer care executive, Manish Bhatia took care of all my queries in a very courteous and professional manner.

Would also like to thank Mr. R Rajkiran from ‘Invee Intelligence Private Limited’ and Mr. Umesh for taking this issue to closure.

Keep up the good work.

Majid Hashmat

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Mr. N. Rama Mohan Rao

Car Insurance Renewal Reviews

Average RatingBased on 35 Ratings

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Kamlesh Samant

7/16/2016 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies consists ...

Car Insurance Blogs

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

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