Liberty General Insurance Company Limited

Liberty General Insurance Company Limited

Established in 2013, Liberty General Insurance Company Limited is committed to delivering comprehensive insurance solutions for retail, commercial, and industrial sectors. It is a joint venture between Liberty Citystate Holdings PTE Limited, a group company of Liberty Mutual Insurance Group, a renowned multinational property and casualty group headquartered in the US, Enam Securities, a privately owned and managed firm that makes long-term investments in listed companies, and DP Jindal Group, a prominent industrial conglomerate.

The company offers a wide range of insurance products in India, like health and personal accident insurance, commercial insurance, car insurance, two-wheeler insurance, fire and engineering insurance, employee compensation insurance, marine insurance, etc.

In the fiscal year 2022-23, Liberty General Insurance Company Limited issued a total of 23,46,898 policies and received 2,16,960 claims during the same period.

Awards & Recognitions

Liberty General Insurance Company Limited has garnered multiple accolades and recognition for its outstanding contributions to the insurance industry. Some noteworthy achievements include –

  • Asia's Best Emerging Insurance Company Award 2021: This award highlights the company's innovative product, Liberty Travel Secure, which has been well-received in the market.

  • Business Leader of the Year 2021: Recognized by the World Leadership Congress & Awards, this prestigious title acknowledges Liberty General Insurance's customer-centric approach and commitment to excellence.

  • National Award for Marketing Excellence: In October 2020, the company received multiple awards, including the Marketing Campaign of the Year - #DriveLessPayLess, showcasing its exceptional marketing strategies. The company was also honoured with an award for internal marketing for the iThink Campaign.

  • ACEF Asian Leadership Award for Branding & Marketing 2019: This award acknowledges Liberty General Insurance's excellence in partner marketing, emphasising its successful branding and marketing initiatives.

Claim Settlement Ratio

The Claim Settlement Ratio (CSR) is a vital indicator that assesses how well an insurance company handles the insurance claims received in a year. In the fiscal year 2021-22, Liberty General Insurance Company Limited achieved an impressive CSR of 85.1%.

By evaluating an insurance company's CSR, you will be able to assess its efficiency and effectiveness in processing claims. It is also essential to assess the insurer's CSR track record over the past few years to ensure their consistency.

Solvency Ratio

The solvency ratio is a critical metric used to assess the financial strength and stability of an insurance company. It measures the insurer's ability to meet its claims obligations and ensure the long-term sustainability of its operations.

As per the guidelines set out by the Insurance Regulatory and Development Authority of India (IRDAI), insurance companies must maintain a minimum solvency ratio of 150%. This requirement guarantees that insurers have adequate financial resources to fulfil their financial commitments.

Liberty General Insurance Company Limited showcases a solvency ratio of 220% as of the quarter ending on December 31, 2022. This signifies a robust financial position, with resources well exceeding the prescribed minimum.

Network Hospitals

Network hospitals are those hospitals that have a partnership with the insurance company to provide cashless medical treatments. With this arrangement, you can avoid the hassle of paying upfront for medical expenses. Instead, the insurance company or their designated Third-Party Administrator (TPA) settles the hospital bill directly. You would only need to cover any expenses that are not covered by your policy, such as consumables, administrative fees, registration fees, and similar charges.

Liberty General Insurance Company Limited has an extensive network of 5,800+ hospitals that offer cashless treatments. To locate network hospitals based on your location, you can visit This online tool also allows you to determine the number of hospitals in your area listed with your insurer as well as whether your preferred hospital is part of their network.

Network Garages

Network garages are authorised by an insurance company to provide vehicle repairs in the event of an accident or damage. These garages have established a partnership with your insurance company, ensuring that you won't have to bear the repair costs yourself. Instead, the insurance company takes care of the expenses, and you only need to pay the deductible and any applicable consumable charges.

Liberty General Insurance Company Limited offers over 5,500+ network garages where you can avail of vehicle repairs without any cash payments. To find the number of garages listed with the insurer based on your location, you can visit this link, you can also check the number of network garages available in your vicinity.

Customer Service

  • Toll-free Number
    You can easily connect with Liberty General Insurance Company Limited's customer support team by calling their toll-free number at 1800-266-5844. Their dedicated team is available to help you with your insurance policies, address any questions or concerns you may have, and provide detailed information about their services.

  • Email
    You can also reach out to Liberty General Insurance Company Limited by sending an email to for any inquiries, support, or communication on any other matter.

In case you have doubts, queries, or issues, Liberty General Insurance Company Limited also offers alternative contact options for you to connect with them:

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