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Liberty Bike Insurance Review : Coverage, Benefits, Discount, Exclusions

If you are looking for an affordable bike insurance for yourself, then in today’s post we will discuss about Liberty Bike Insurance. Which will help you choose the best cover for your bike.

Liberty Bike Insurance Review

Liberty Bike Insurance Review

If we talk about Liberty Bike Insurance Company, then this company is a conglomerate of two companies.  Including Liberty City State Holding PTE and ENAM Security & DP Jindal Group. 

This company was started in 2013.  Liberty Insurance Limited Company, provides us with car cover, health cover, commercial cover apart from bike insurance. 

The active growth of this company was 40% in 2018, and if we talk about the branch of this company, then in today’s time this company has opened its branch in 28 states in India. 

And in which more than 1200 employees are employed.  You will find offices of this company in more than 95 cities, if we talk about the claim settlement of bike insurance of this company,

Then it is 87%.  Which is considered quite good.  And if we talk about the network of this company, then it is more than 4300.  This is the reason, in today’s time, Liberty Bike cover is given a lot of attention as a private bike insurance company.

Also Read : Kotak Mahindra Bike Insurance

Special Features
Network Connectivity More then 4,300
Claim Settlement 87.48% in 2020 (FY)
Third Party Cover Available
Roadside Assistance Available
Claim Process Digitally Enabled
Branch Presence 95+ Urban Cities

Liberty Bike Insurance Coverage

Liberty Bike Insurance Coverage

You can also call it the coverage of Liberty Bike Insurance, or you can also call it the Types of Liberty Bike cover .  If we talk about the coverage of this company, 

Then this company provides us with comprehensive coverage third party liability cover and personal accident cover like any other company.  You can take any of these types of insurance according to you-

Comprehensive coverage

Liberty Bike Insurance Company provides us with comprehensive coverage i.e. own damage protection.  In which if your vehicle is damaged in the following way, or you suffer any kind of injury, then you are given a claim for it.  By taking comprehensive insurance by this company, you will be given coverage as follows-

1. Players due to damage from any type of natural climate such as Typhoon Cyclone Hurricane Storm or Hailstone.

2. Due to damage from any type of landslide or rockslide

3. Due to damage from Earthquake.

4. Any fire caused by self-ignition lightning or explosion.

Personal accident cover

This company also gives you cover for any type of personal accident.  In which if you get into an accident while driving, and you lose your death or leg or eye, then you are given a hundred percent insurance up to one lakh. 

But if you have damage to only one eye, then you are given only 50% cover.  Even if you face Permanent Total Disablement Injury in an accident, you are still given a 100% claim.


Today Liberty Two Wheeler Insurance Company has become a well known and well known company for bike cover. 

In such a situation, if you are looking to insure your bike from this company, then you should also know some of its benefits.  Which we have explained in detail below-

Renewal discount

We all know that Liberty Two Wheeler Insurance Company’s premium price is quite unavoidable, but if you renew the cover taken from this company in the next year or any time, then you will also see a lot of discount in it.  See you.

Quick claim settlement

There are many insurance companies that provide cover.  But when it comes to claim, that company spends a lot of time. 

But if you take cover for your bike from Liberty Two Wheeler Insurance Company, and if you have to make any claim for it, then this company will settle your claim within 7 working days, what does it claim.

Co-passenger insurance

If you are getting cover for your bike from this company, then this company also provides you passenger insurance for you.  Which you can add with your insurance only. 

So that if you get into an accident while driving, and you get any kind of injury.  Then you will be given cover for the same to your passenger as well.

Customer service

While taking bike insurance from any company, it is very important to see the customer support service of that company first. 

And if we talk about the customer support service of this company, then this company’s customer support service is considered very good. 

If you want to get any kind of information from the customer care of this company, then you can feel free to contact them 24 hours a day, 7 days a week.

Claim settlement ratio

The claim settlement of this company is 87%.  If the claim settlement of any company is above 80, then it is considered very good.  So that you will not face any problem in making any type of insurance claim.

Discount Offered by Liberty Bike Insurance

Friends, Liberty Bike Insurance also provides us with many discounts.  In which No Claim Bonus, Voluntary Discount, Membership of AAI and Installation of Security Devices are the main ones. 

Of these, the no claim bonus is very much discussed.  If you do not know about No Claim Bonus, then let us tell you that No Claim Bonus means if you had taken any cover for your vehicle from this company last year, and if you did not make any claim  ,

Then you will get to see a discount of 20% in your premium for the next year.  And this exemption can go up to 50% in the next 5 years.  For more details see the chart given below-

NCB Discount
1 Claim Free Year 20%
2 Claim Free Year 25%
3 Claim Free Year 35%
4 Claim Free Year 45%
5 Claim Free Year 50%


If you are taking insurance for your bike from this company, then you should also know some of the key exclusions from this company. 

If you are found to be doing any one of the following, then you will not be given any insurance claim of any kind-

1. If there is any kind of electrical or mechanical break down in your vehicle, then this company will not be responsible in that case.

2. If the tire tubes in your vehicle are damaged, you will have to get them repaired yourself.

3. If you are driving on the road without valid driving license, and if you get into an accident, then this company will not have any responsibility at that time.

4. If you drive a vehicle under the influence of any kind of intoxicant like alcohol, and your vehicle is harmed to you, even then no claim will be given to you from this company.

5. If you are using your vehicle for carrying any type of goods or for face making or speed testing, even then no claim of any kind will be given to you at that time.


In today’s time, it has become very important to carry an insurance with you while driving.  “Bike Bima” will not only protect you from police Challan, but it will also give you protection against accident or vehicle damage. 

In today’s post we discussed about Liberty Bike Insurance. Hope you liked this post of ours today.  And it helped in choosing a good and affordable bike cover for yourself. Thank you for reading this post today.

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