How should I lodge a motor insurance claim?
In case of loss of or damage to the vehicle insured. You may lodge a claim with us by any of the following ways:
- Call us at our Toll Free Number 1800 266 5844 (between 8:00am to 8:00pm, 7 days of the week)
- Visit our nearest branch office
- Mail us on
- Send a written intimation letter to our registered office or the applicable branch office by post or courier. You can access our list of branch addresses by clicking
What basic information is required to register a claim?
While registering a claim, please keep following documents / information handy:
- Motor Insurance policy number
- Name of Insured and contact details
- Complete address where the loss or damage occurred
- Complete address where the damaged vehicle is available for inspection
- Registration number of the vehicle.
- Name of the person who was driving vehicle at the time of damage and his driving license number OR in case of theft, name of the person in whose custody the vehicle was
- Name of the police station to whom the loss or damage is notified
- Your name, complete contact details and relationship with the Insured
- Brief description as to how the loss of / damage to the vehicle took place
- Name/s of person/s who sustained bodily injury/injuries and / or died in the mishap
- Estimated loss amount, if you are aware
- Details of loss minimisation, if undertaken by insured
What are the documents required for processing a claim?
Following is the list of “Indicative Documents” which may be required while processing of a claim:
|Claim Form duly filled and signed by Insured||✓||✓|
|Copy of Registration Certificate (RC) with the original for verification (in case of total theft, original RC needs to be surrendered)||✓||✓|
|Copy of driving license with the original for verification||✓||✓|
|Police First Information Report (where applicable)||✓||✓|
|Fire Brigade Report (in case of fire)||✓||✓|
|Original Repair/Replacement Bills (in case of Reimbursement Claim)||✓||✓|
|Photographs of the damaged vehicle||✓||✓|
|Entire set of vehicle keys||✓|
|Final Report – No Trace Report for lost vehicle from the Police||?|
|Subrogation & Power of Attorney in case of Total Loss and Theft||✓||✓|
|NOC from financer in case of Total Loss and Theft||✓|
Do you have direct settlement facility for motor claims?
Yes, we do have cashless claims facility wherein we directly pay the eligible claim amount to the garage on your behalf. This facility is available only if the vehicle is repaired in our approved list of garage network. You may call us or
click here to obtain the list of approved garages.
Please remember that the claim is payable subject to the loss being covered under policy stipulations & coverage opted at the time of taking a policy. Any extra charges will be borne by the policy holder.
How do I receive the claim amount if the vehicle is repaired by a garage not covered in your network?
In such a case, the claim will be processed as a reimbursement claim. An IRDA accredited surveyor/official of the Company will inspect the damaged vehicle pre repair & post repair and submit his assessment report based on the quantum.
You will be required to clear the workshop bills and then submit all original bills along with payment proofs in addition to other claim documents as required with us.
All eligible payments, in such cases, will be directly paid to insured / credited into insured’s bank account through NEFT / RTGS.
What is the difference between cashless & non-cashless/reimbursement claim?
Cashless claim: In a cashless claim service, the vehicle repairs charges are paid by us directly to the garage network provided that the garage is within our approved network. All claims are subject to policy terms and conditions.
Non-cashless/reimbursement claim: If the vehicle is repaired in a garage outside our network, you will be liable to pay repair charges directly to the garage. You can later get the claim amount reimbursed by submitting the original bills and payment receipts to our office. All claims are subject to policy terms and conditions.
Is there a provision for getting advance payment if the repair charges are high?
Liberty Videocon General Insurance Co. Ltd. offers cashless services only if the vehicle is repaired within our approved garage network. If the vehicle is repaired by a garage outside our network, you will have to pay for the repairs and we will reimburse your claim amount as per our reimbursement claim process.
How will I know when the survey will happen?
Once the claim is lodged, the company representative will call you and fix an appointment for survey of the vehicle.
How much time does it take for motor insurance claim settlement?
It is our endeavour to settle the claim as fast as possible and in any case, claim settlement will be done within 7 working days from the date we receive all the required documents.
What Should I do in case of third party damage/ injury?
In case of third party damage/ injury, kindly register an FIR with the police as per jurisdiction & call us on our toll free number 1800 2665 844 to lodge your claim. If possible, please give details of the injured persons and the place where they are undergoing treatment. You may also visit our nearest branch office to register a claim post lodging the FIR.
click here to find out our Branch locations.
What should I do in case of theft of vehicle?
In case of theft of the vehicle and/or accessories, kindly register an FIR with the police as per jurisdiction & call us on our toll free number 1800 2665 844 to lodge your claim. You may also visit our nearest branch office to register a claim post lodging the FIR.
click here to find out our Branch locations.
When should I report to the police?
In the event of (a) Third party property damage (b) Body injury to self Or third Party (c) Theft (Vehicle and/or accessories), the incident should be reported to the police station immediately, under whose jurisdiction the incident has happened.
Whom should I contact if my vehicle sustains damage in a city other than the policy issuing city?
Kindly call us on our toll free number 1800 2665 844 and our customer care executive will help you with the process. In case you are aware of our nearest branch office, kindly visit the same to register a claim.
click here to find out our branch locations.
What is the meaning of deductible? What is the deductible applicable to private car?
Deductible means the amount that you will bear in the case of a claim & is reduced from the total claim amount paid by us (cashless Or non-Cashless claim). A car insurance policy carries a compulsory deductible of Rs. 1,000 (for vehicles not exceeding 1500 cc) & Rs. 2,000/- (for vehicles exceeding 1500 cc). Two-wheeler Insurance policies carry a compulsory deductible of Rs. 100. & in case you have opted for voluntary deductible then the same would also be deducted from the total claim amount.