Liberty General bike insurance is issued by Liberty General Insurance Limited, the Indian general insurer backed by the US-based Liberty Mutual group. In May 2026, Liberty Mutual raised its stake in the company from 55.40% to 74%, with the Enam group holding the remaining 26%, as reported by Insurance Business and Angel One. The insurer's name and policies are unchanged.
Liberty publishes more about its two-wheeler claims than many insurers do, including a settlement figure, but its own pages give different garage counts. This review sets out its plans, add-ons, premium range and claim process, with the strengths and limits side by side.
Liberty General Two-Wheeler Insurance Overview
| Point | Detail, as stated by Liberty General |
|---|---|
| Ownership | Liberty Mutual 74%, Enam group 26%, since May 2026 |
| Two-wheeler claims | Over 91% of all two-wheeler claims settled in the last financial year |
| Cashless garages | 6,000+ on its homepage and 4,300+ on its bike insurance page |
| Offices | 110 across India |
| Helpline | 1800-266-5844 |
| Starting premium | From ₹538 a year, the fixed third-party premium for bikes up to 75 cc |
| App | LivMobile, on iOS and Android |
Liberty describes its two-wheeler cover as fully digital, with instant online policy issuance, and states that its roadside assistance add-on allows up to four claims in a policy period.
Who Liberty's Bike Cover Suits
- Owners who value published claim data. Liberty states a two-wheeler settlement figure on its bike page, which not every insurer does.
- Riders who forget renewals. The multi-year package removes the yearly renewal and protects NCB from lapsing.
Owners of newer bikes. Depreciation, consumables and gap value cover together reduce out-of-pocket costs on claims.
It suits less well an owner who wants the largest cashless network, or roadside assistance without a limit on the number of claims.
Plans and Coverage Options
Liberty's forms and policy wordings page lists these two-wheeler products.
| Product | What it covers | Suits |
|---|---|---|
| Two Wheeler Package Policy with add-ons | Third-party (TP) and own-damage (OD) cover for one year | Most bikes, renewed every year |
| Two Wheeler Package Policy, Multi Year | Package cover for two or three years with one premium | Owners who want fewer renewals |
| Two Wheeler Policy, Bundled Cover | Long-term TP with OD, the structure used for new bikes | New bikes |
| Stand-alone Own Damage Policy for Two-Wheeler | OD cover only, alongside an existing TP policy | Bikes bought after September 2018 with long-term TP still running |
| Motor Liability Only Policy and Two Wheeler Liability Policy, 5 Years | TP cover only | Older, low-value bikes, or long-term TP on new bikes |
TP cover, compulsory under Section 146 of the Motor Vehicles Act, 1988, pays for death or injury to others without an upper limit and for damage to others' property up to ₹1 lakh for two-wheelers. OD cover pays for damage to the bike itself from accident, theft, fire and natural events. Owner-driver personal accident cover of ₹15 lakh is compulsory unless the owner holds a qualifying personal accident policy.
New bikes sold since 1 September 2018 carry a five-year TP policy. On 4 August 2026, the Supreme Court raised the mandatory term to six years for new two-wheelers and directed IRDAI to issue the implementing instructions.
Annual or Multi-Year Package
An annual policy keeps the freedom to switch insurers, change add-ons and reset the IDV each year. Liberty's multi-year package, for two or three years, removes the yearly renewal and the risk of a lapse, but ties the bike to one insurer for longer. For owners who tend to forget renewal dates, the multi-year option can protect the no-claim bonus from lapsing.
Add-ons Liberty Lists for Bikes
| Add-on | What it does |
|---|---|
| Depreciation cover | Pays the full cost of replaced parts, without the standard 50% deduction on plastic, rubber and batteries or 30% on fibreglass |
| Consumables cover | Pays for oil, nuts, bolts and similar items used in repairs |
| Gap value cover | Covers the gap between the IDV and the invoice value on theft or total loss |
| Roadside assistance | Breakdown and towing help, up to four claims per policy period |
| Engine safe cover | Covers engine damage from water ingress or oil leakage, which standard OD excludes |
Check age limits and prices on the actual quote, since add-on eligibility usually depends on the bike's age.
Premium Range by Bike Type
TP premium is fixed by the Motor Vehicles (Third Party Insurance Base Premium and Liability) Rules, 2022 and is the same at every insurer. OD premium is priced by Liberty, so the table uses the former India Motor Tariff rates as a benchmark, for a bike up to five years old in a Zone A city.
| Bike type, example | Annual TP (₹) | OD benchmark, new bike (₹) | OD benchmark, 3-year-old (₹) |
|---|---|---|---|
| Commuter up to 150 cc, Hero Splendor Plus at about ₹77,000 | 714 | 1,249 | 921 |
| 150 cc class, Bajaj Pulsar 150 at ₹1,11,197 | 714 | 1,804 | 1,329 |
| 150 cc to 350 cc, Bajaj Pulsar NS200 at ₹1,38,302 | 1,366 | 2,356 | 1,736 |
| Above 350 cc, KTM 390 Duke R at ₹3,39,001 | 2,804 | 6,051 | 4,459 |
The OD benchmark applies the former tariff rates of 1.708% of the Insured Declared Value (IDV) up to 150 cc, 1.793% for 150 cc to 350 cc and 1.879% above 350 cc, to an IDV of 95% of the price for a new bike and 70% for a 3-year-old one. IDV is the most the insurer pays on theft or total loss. Figures exclude GST, no-claim bonus (NCB), add-ons and personal accident cover, and Liberty's actual quote can be higher or lower.
NCB, the discount on OD premium for claim-free years, starts at 20% and reaches 50% after five claim-free years. A 3-year-old Splendor Plus with three claim-free policy years, for example, earns a 35% NCB, which brings its OD benchmark from ₹921 to about ₹599. Liberty also mentions renewal discounts on its bike page, so check how they apply on the renewal quote.
Claim Settlement Ratio and Workshop Network
The claim settlement ratio is the share of claims an insurer settles out of those it receives. Liberty's bike insurance page states that over 91% of all two-wheeler claims were settled in the last financial year. That is the insurer's own figure, and the page does not name the year, so treat it as a broad indicator.
The dependable source is the insurer's annual public disclosure. IRDAI's guidelines require general insurers to publish each year the number of claims paid and repudiated, with percentages, and their claim turnaround times. Because these figures change every year, check the latest disclosure before relying on any ratio.
A settlement figure also counts claims, not rupees. A claim can be settled for less than the amount asked, so the speed of settlement and the amount paid matter as much as the ratio.
Workshop Network
Liberty's homepage states 6,000+ partner garages across India, while its bike insurance page states over 4,300+ network garages. Either way, confirm the list with its garage locator before buying, and check that an authorised service centre for the bike's brand near home is included. At a cashless garage, Liberty pays the workshop directly, and the owner pays only the deductible and costs the policy does not cover. For in-person help, Liberty states that it has 110 offices across India, which can be useful when a claim needs documents submitted or a dispute resolved face to face.
How to Buy or Renew Online
- Keep the details ready. Registration number, previous policy and NCB earned.
- Get a quote on Liberty's website or LivMobile app. Choose annual, multi-year or standalone OD cover as suits the bike.
- Set the IDV and add-ons. Keep the IDV at a fair value, and choose depreciation cover or engine safe only where they suit the bike's age and city.
- Check the premium breakdown. TP is fixed by law, so compare OD premium, add-ons and discounts.
- Renew before expiry. A lapsed policy may need a pre-inspection, and NCB is generally lost if renewal is more than 90 days after expiry.
Before paying, set Liberty's quote against two-wheeler insurance plans from other insurers on Insure24, keeping the same IDV and add-ons so the comparison is fair.
Claim Process
- Register the claim. Call 1800-266-5844 or register on Liberty's website.
- File an FIR where needed. It is required for theft, major damage or injury to others.
- Take the bike to a network garage for cashless repair, or to any garage for a reimbursement claim.
- Inspection. Liberty's surveyor or assessment team inspects the damage before repair.
- Settlement. For cashless claims, Liberty pays the garage after repair. For reimbursement, submit the original invoice and payment receipt.
Track the claim. Liberty's website offers online claim status tracking.
Documents Usually Needed
- Claim form
- Driving licence and registration certificate
- Policy copy
- Repair estimate, then the final invoice and payment receipt
- KYC documents
FIR for theft, major damage or third-party injury
What the Owner Pays at Claim Time
| Item | When the owner pays it |
|---|---|
| Compulsory deductible, stated by insurers such as Tata AIG as ₹100 per claim for two-wheelers | On every own-damage claim |
| Depreciation on replaced parts | Unless depreciation cover was bought |
| Voluntary deductible | Only if one was chosen for a lower premium |
| Repairs or parts outside the policy cover | Always |
Tips for a Smoother Claim
- Report promptly and keep the bike unrepaired until inspection.
- Photograph the damage and the scene before anything is moved.
- Choose a network garage to avoid paying upfront.
Check the settlement details, including the deductible and any depreciation, before signing.
Pros and Cons
| Pros | Cons |
|---|---|
| Publishes a two-wheeler settlement figure, over 91% in the last financial year | The figure is the insurer's own and the year is not stated |
| Full range of products, including multi-year, standalone OD and five-year liability cover | Garage counts differ across its own pages, 4,300+ and 6,000+ |
| Useful add-ons, including gap value and engine safe | A shorter add-on list than some insurers |
| Backed by the Liberty Mutual group, now with a 74% stake | Stated garage network is smaller than some insurers' published figures |
| Digital purchase and claim tracking, with a mobile app | Roadside assistance is limited to four claims per policy period |
Note: This article has been vetted by Siddarth Khandelwal, an Insurance expert at Insure24.
Frequently Asked Questions
Q. Is Liberty General bike insurance good?
It offers a full range of two-wheeler products, useful add-ons and a published two-wheeler settlement figure of over 91%. Its stated garage network is smaller than some insurers', so check workshops near home and
compare the OD quote.
Q. What is the Liberty bike insurance claim settlement ratio?
Liberty's bike insurance page states that over 91% of all two-wheeler claims were settled in the last financial year. For official figures, check the claims paid and repudiated data in its annual public disclosure.
Q. What is the Liberty General bike insurance customer care number?
1800-266-5844, as listed on Liberty General's website in September 2026. Claims can also be registered and tracked on its website.
Q. How many network garages does Liberty have for bikes?
Its homepage states 6,000+ partner garages, while its bike insurance page states 4,300+. Use the garage locator for the exact list near home.
Q. How is a Liberty General bike insurance claim made?
Call 1800-266-5844 or register online, file an FIR where needed, take the bike to a network garage, allow the inspection, and the claim is settled with the garage or by reimbursement.
Q. How can Liberty bike insurance be renewed?
On Liberty's website or the LivMobile app, by entering the bike's details, choosing cover and add-ons, and paying. Renewing before expiry avoids a pre-inspection and protects the NCB.
Q. Does Liberty offer multi-year bike insurance?
Yes. Liberty's multi-year two-wheeler package covers two or three years with a single premium.
Q. What is the Liberty bike insurance premium?
TP premium is fixed by engine capacity, from ₹538 for bikes up to 75 cc to ₹2,804 above 350 cc. OD premium depends on IDV, age, city and add-ons, so check the actual quote.
Q. Can NCB be transferred to Liberty from another insurer?
Yes. NCB belongs to the owner and carries across with the previous policy or an NCB certificate, provided the renewal is within 90 days of expiry.
Q. Does Liberty's bike roadside assistance have a limit?
Yes. Liberty states that its roadside assistance add-on allows up to four claims in a policy period.
Licenced by
COMPANY
PRODUCTS
RESOURCES
LEGAL
Cars24 Financial Services Private Limited
(Wholly owned subsidiary of Cars24 Services Private Limited)
Corporate Office - 6th Floor, SAS Tower-C, Ch Baktawar Singh Road, Medicity Sector 38, Shivaji Nagar,
Gurgaon - 122001, Haryana
IRDAI Corporate Agency Registration No: CA0710 | Registration Validity: Perpetual |
CIN: U65990HR2018PTC075713
Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.
Licenced by
COMPANY
PRODUCTS
RESOURCES
LEGAL
Cars24 Financial Services Private Limited
(Wholly owned subsidiary of Cars24 Services Private Limited)
Corporate Office - 6th Floor, SAS Tower-C, Ch Baktawar Singh Road, Medicity Sector 38, Shivaji Nagar,
Gurgaon - 122001, Haryana
IRDAI Corporate Agency Registration No: CA0710
Registration Validity: Perpetual
CIN: U65990HR2018PTC075713
Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.