Liberty Insurance Bike Insurance Review: Great For Families of Multiple Riders

Liberty Insurance Bike Insurance Review: Great For Families of Multiple Riders

Liberty Insurance two-wheeler plans are expensive options for people on a budget, but the benefits may sway individuals who ride with multiple people.

Good for

  • Consumers interested in a coverage benefit that can cover other riders after an accident
  • Families
  • Wealthy individuals

Bad for

  • Individuals who ride without any passengers
  • Individuals looking for an affordable insurance option

Editor's Rating


Liberty General Insurance offers benefits that are useful for bike owners that share their bike with other people or have passengers. For instance, the rider can opt for an add-on that protects an unnamed passenger that is also on the vehicle. Another benefit that protects other riders include roadside assistance (4 times every policy term). However, it may not be a viable option for people on a budget, since premiums are approximately 52% - 64% more expensive than the average comprehensive plan in India.

Table of Contents

Summary of Liberty Motorcycle Insurance
The Comprehensive plan is 52% - 64% more expensive than the average comprehensive bike plan offered in India
Personal Accident Cover for other riders: Rs. 35/ year
Liberty General Insurance Incurred Claim Ratio: 82%

Liberty Insurance Two-Wheeler Comprehensive Annual Plan

Liberty Insurance Comprehensive two-wheeler plan is an expensive option that is best suited for those who are frequently riding with another rider. We found that it is approximately 52% - 64% more expensive than the average in India, making it one of the more expensive insurance plans on the market. In terms of benefits, you'll receive accidental damage coverage, third party coverage, third party losses, theft coverage, fire related damage coverage, man made disaster coverage and natural disasters coverage.

The plan also provides riders with plenty of add-ons such as Zero Depreciation Cover, Coverage for Other Occupants, Roadside Assistance, Consumables Cover, and Engine Protection. These add-ons can be especially useful for families who share a bike, since they provide reassuring benefits for things like covering engine damage and roadside assistance, where you can feel secure knowing that whoever is riding your bike will get help during an emergency.

Thus, while we don't recommend this plan for people who are looking for rock bottom prices, Liberty General's two-wheeler plan will prove useful for wealthier riders who are interested in all-inclusive coverage that will help protect all their riders.

Graph showing Average Premiums of Two-Wheeler Insurance

Liberty General Insurance Motorcycle Add-Ons

Liberty Insurance offers a few add-ons to its base policy for its comprehensive plan. These include Zero Depreciation, Roadside Assistance, Consumables Cover, and Engine Protection. Compared to most other two-wheeler plans, we found that Liberty General provides a larger array of add-on options, which can be useful for people who like to customise their plans.

Zero DepreciationThis will allow you to secure the value of the bike parts as the vehicle and the vehicle parts age over time
Personal Accident Cover for Other OccupantsThis covers any injury or worse experienced by other riders of the insured vehicle
Roadside AssistanceProvides emergency assistance services in any of the network garages. This includes towing for things like breakdowns, accidents, flat tyres, etc.
Consumables CoverThis coverage protects items like brake oil, grease and screws that are declared of no use for the vehicle
Engine ProtectionIt protects your engine from expenses due to damages and repairs for the bike. This is important for anyone that lives in a rainy area


Like all insurers, Liberty General Insurance has a list of exclusions that would result in a denied claim. For instance, driving without a driver's license or accidental damage outside of the covered geographic location will not be covered by Liberty Insurance. The full list of exclusions can be found below. We recommend that you read the policy wordings to understand the claim terms.

General Policy Exclusions

  • Any wear-and-tear of the bike due to aging
  • Mechanical and electrical breakdown
  • Driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the bike's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under the bike insurance.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.
  • Accidental damage or loss taking place outside the registered area

Claims Information

When you have to make a claim, it is recommended that you call the claims department immediately at the number provided below. If you cannot call, register the claim on the Liberty General Insurance website.

Contact Information
Claims Assistance and Other Enquiries Toll-Free Number1800 266 5844
Claims InformationClaim webpage
Branch AddressMultiple locations

Liberty Two-Wheeler Insurance Features and Benefits

There are many features that insurers provide riders as coverage. We have listed the benefits and coverages that are offered by Liberty Insurance. If you are interested in the features offered by other insurers, take a look at our comprehensive guide to the best bike insurance in India.

Personal Accident Coverage100%
Damage Related to Fire100%
Natural Disaster Cover100%
Theft or Malicious Acts100%
Third Party Liability100%
Third Party Damage100%
Sahmi Chowdhury

Sahmi is a Research Analyst specialising in credit cards in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.