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Under the plan, Provision for both Cashless & Non-Cashless reimbursements is provided. If the vehicle is repaired in a network garage, then the expense shall be directly paid to the garage subject to the total expense falling under the claim criteria. Any excess payment has to be paid by the customer to the garage. In case the rep[air has been undertaken in any non network garage , then customer has follow the reimbursement claim process as per the document list provided above and the claim amount shall be remitted directly to customer’s bank account within 7 working days time line.

In the event of any accident, loss or damage of the insured vehicle, the customer does have multiple channels to lodge his claim. By visiting nearest branch office. List of nearest branch is available on the website. By sending a written intimation letter to registered office or the applicable branch office by post or courier Basic details required to lodge a claim Motor Insurance plan 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 minimization, if undertaken by insured

As is mandatory in Motor Vehicle act, Liberty Private Car package plans indemnifies the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect to a third party subject to the limits of liability as laid down in the Schedule hereto the Company. In the event of any death of or bodily injury to any person including occupants carried in the vehicle but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where such death or injury arises out of and in the course of the employment of such person by the insured under any its plans. Any liability towards the damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. In terms of and subject to the limitations of the indemnity granted by this section and covered within the scope of its car insurance plan to the insured, the Company will indemnify any driver who is driving the vehicle on the insured’s order or with insured’s permission provided that such driver shall as though he/she was the insured observe fulfill and be subject to the terms exceptions and conditions of this Plan in so far as they apply. In the event of the death of any person entitled to indemnity under this plan the Company will in respect of the liability incurred by such person indemnify his/her personal representative in terms of and subject to the limitations of this Plan provided that such personal representative shall as though such representative was the insured observe fulfill and be subject to the terms exceptions and conditions of this Plan in so far as they apply. Liberty reserves the rights to arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the subject of indemnity under this Plan and undertake the defense of proceedings in any Court of Law in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Plan

Liberty Private Car insurance plan as compared to any other prevailing plans in market is quite comprehensive one and cover all possible ill-fated situation a vehicle owner may land into. The plan covers expenses incurred towards below mentioned situation Any loss or damage due to Accident Fire Lightning Self-ignition External explosion Burglary Housebreaking or theft Malicious act Riot and strike Terrorism Earthquake, flood, cyclone and inundation Whilst in transit by rail, road, air, elevator, lift Any third party Liability occurred in cases of injury or death and damage caused to their property as mentioned in the plan. Additional coverage is available on the payment of extra premium for below mentioned cases in the car insurance plan. Loss or damage to electrical and non-electrical accessories Personal accident cover for the insured and any named or unnamed passenger(s) Legal liability to person employed (paid driver /cleaners) Roadside assistance cover Passenger assist cover Below mentioned expense are covered under the scope of plan subject to authorization by the insured to repair of the vehicle necessitated by damage for which the Company may be liable under this Plan provided that : The estimated cost of such repair including replacements, if any, does not exceed Rs.500/-; The Company is furnished forthwith with a detailed estimate of the cost of repairs. The insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable

Mechanical or electrical breakdown, depreciation, wear and tear. In the event of any loss or damage or liability which has happened beyond the scope and quantum of claim as defined in the plan coverage documents For cases where the loss or damage is due to any kind of contractual agreement. For any claim which has aroused due to the usage of vehicle other than agreed or defined. For any loss or damage in case the vehicle is being driven by any third person other than a Driver as stated in the Driver’s clause. In the event of accident caused under the influence of intoxicating liquor/drugs. Vehicle being driven without a valid license. Any expenses incurred towards damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement; In the event of any War and nuclear hazard. No compensation be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to intentional self injury, suicide or attempted suicide or an accident happening whilst such person is under the influence of intoxicating liquor or drugs. In the event of the vehicle being disabled by reason of loss or damage covered under this Plan the Company will bear the reasonable cost of protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in respect of any one accident. Any liability caused by or due to consequential event due to ionising, radiation or contamination by radioactivity from any nuclear fuel or from, any nuclear waste from the combustion of nuclear fuel. For the Purposes of this exception combustion shall include any self-sustaining process. Any expense or liability which has happened due to either direct impact or consequential event of any war invasion, the act of foreign enemies, hostilities, or War like operations (whether before or after declaration of war) Civil War, Mutiny, Rebellion, Military, or usurped power. In the event wherein the insured is unable to establish with proof , that the loss or liability raised for claim is independent any of the above mentioned situation of any consequential event of such as situation . Most Important Terms & conditions for Liberty Car Insurance Plan: Any electrical and/or electronic equipment that is not factory-fitted with the vehicle can be covered under electrical accessories at an additional premium. The value of such accessories will be as declared by the insured at the invoice value. Any non-electrical/non-electronic equipment that is not factory-fitted with the vehicle can be covered under non-electrical accessories at an additional premium of invoice value (at Own Damage rate). The value of such accessories will be as declared by the insured at the invoice value A legal liability for paid driver implies that if you have hired a driver to drive your vehicle and he meets with an accident while driving it, then the insurance company will provide compensation for his injury/loss of life. Insured’s Declared Value shall be calculate at the current market value of vehicle & adjusting the manufacturer’s current listed selling price of the vehicle with depreciation percentage as mentioned in the plan issuance book. The compensation towards personal accident plan be payable provided The owner-driver is the registered owner of the vehicle insured The owner-driver is the insured named in this plan. The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.

i. In case of accident 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 Subrogation & Power of Attorney in case of Total Loss Discharge Voucher ii. In case of theft or robbery 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 NOC from ffinancer in case of Total Loss and Theft Subrogation & Power of Attorney in case of Total Loss Discharge Voucher Entire set of vehicle keys Indemnity Bond

No Claim Bonus (NCB) paid as a direct discount on premium of the own damage portion of the vehicle subjected to no claim has been made during the last plan period of one year and renewal of plan to a further term. The insured may avail a discount ranging from 20-50% on the own damage Premium and can be accrued up to a maximum limit of 50% on OD premium. Apart from this, customer may transfer the benefits of No claim bonus even if they migrate to any other insurance provider from Liberty General Insurance or vice-a-versa.

A personal accident cover is provided for individual owner or driver of the vehicle insured while traveling in, mounting or dismounting from the vehicle. The cover is for death and any kind of permanent disability or any the consequential event in post six month of accident. The reparation shall be payable under only one of below mentioned cases towards the event of claim raised for owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 2 lakh during any one period of insurance

Car or any other four wheelers, now a days are the integral part of our daily life style. They are not only the mode of conveyance but also a prized asset. Protecting the same is as important as owning it. Driving on road makes our vehicle more prone to any the misfortune event which could not only also involve a lot of expenditure towards restoration or repair altogether, but can be life threatening as well. Liberty Videocon Private Car package plan is intended to endow with complete protection of our private vehicle against any unfortunate circumstances like damage or loss. The Key Features of Liberty Videocon Car Insurance plans are : Cashless claim service at more than 615 network garages Simple documentation and unperturbed inspection process in the plan. All Claim settlement done within 7 working days ,as compared to 10-15 days time for other plans in the market. Portability of No Claim Bonus for any existing plan availed by any other insurer. An assortment of add-on protection cover plans to choose beside the traditional plans 24×7 helpline and other customer service assistance for all queries related and claim processing.