• Liberty Vehicle Insurance

    Your car is a valued investment which requires complete care and protection that only an insurance policy can offer. Be it a private car or a high-end luxury car, every type of vehicle needs some kind of insurance protection. Car owners can rest assured that their cars will be safeguarded against all kinds of perils with Liberty Car Insurance plans.

    Liberty Car Insurance Overview

    Owned by the Liberty Mutual Insurance Group in Boston, the Singapore branch of Liberty Insurance is one of the largest general insurance companies in the island nation. With a dedicated team and a prudent business approach, Liberty Insurance Singapore offers world class products, tailor made to meet the needs of its customers, comprising of both individuals and companies.

    Liberty Insurance’s product portfolio comprises of personal products like motor insurance, home insurance, accident insurance, medical and liability. For companies, Liberty Insurance offers liability benefits, work injury compensation, employee benefits, third party cover and marine cargo insurance. The car insurance plan provided by Liberty Insurance is one of the best insurance products in Singapore loaded with exciting benefits and discounts for policyholders and their private vehicles.

    Types of Liberty Car Insurance Plans

    Liberty Insurance provides two types of car insurance products namely - Private Car insurance and Privilege Car insurance for high-end luxury cars.

    Private Car Insurance

    Liberty’s Private Car insurance offers complete protection to car owners and passengers with a comprehensive insurance package. The geographical area covered under this plan is throughout Singapore, part of Thailand (within 50 miles of the border) and West Malaysia.

    Private car owners can enjoy No-claim bonus discounts of up to 50% for zero claims made in the previous policy years.

    No claim made the previous year

    10%

    No claim made for the previous 2 years

    20%

    No claim made for the previous 3 years

    30%

    No claim made for the previous 4 years

    40%

    No claim made for the previous 5 years

    50%

    Covers for Cars and related accessories

    • Accidental losses or damages to third parties due to fire incidents or theft.
    • General losses or damages to third parties due to fire incidents or theft.
    • Accidental losses or damages occurring due to any insured cause.
    • Accidental loss or damage to car windscreens.

    Legal Liability Covers

    • Legal liability compensation for third party death or bodily injuries up to a maximum of S$20000.
    • Legal liability compensation for third party property damages.
    • All legal costs and expenses covered for the insured.

    Other Covers

    • Compensation up to a maximum of S$300 for towing vehicles to garages after an accident or a breakdown, including third party cover.
    • Personal accident cover of up to S$50,000 for the insured.
    • Medical expenses for the insured driver and passengers. Compensation amount extends up to S$1,000 per person.
    • Legal support of up to S$3,000 for third party bodily injury claims.
    • Loss of use benefit for car repairs due to accidents for a period of 5 days.

    Privilege Car Insurance

    Luxury car owners can have complete peace of mind with Liberty’s privilege car insurance policy offering protection for their cars against accidental damages and losses. Liberty insurance provides 24/7 service with customized insurance plans catering to the specific needs of customers.

    High-end luxury car owners can also enjoy No-claim bonus discounts of up to 50% for zero claims made in the previous policy years.

    No claim made the previous year

    10%

    No claim made for the previous 2 years

    20%

    No claim made for the previous 3 years

    30%

    No claim made for the previous 4 years

    40%

    No claim made for the previous 5 years

    50%

    Covers for Cars and related accessories

    • Accidental losses or damages to third parties due to fire incidents or theft.
    • General losses or damages to third parties due to fire incidents or theft.
    • Accidental losses or damages occurring due to any insured cause.
    • Accidental loss or damage to car windscreens.

    Legal Liability Covers

    • Legal liability compensation for third party death or bodily injuries up to a maximum of S$50000.
    • Legal liability compensation for third party property damages.
    • All legal costs and expenses covered for the insured against third party fire, theft and general claims.

    Special benefits

    • Privilege Motor Policy Welcome packages.
    • Dedicated customer helpline for general enquires and for reporting claims.
    • Free roadside assistance with unlimited access.
    • Complimentary car polish.
    • Complimentary limousine service in case the insured is unable to drive his car home.
    • Loss of use benefit for car repairs due to accidents for a period of 5 days including free usage of rental vehicles during the period of repairs.
    • Mobile Accident Response Services.
    • Compensation of up to S$500 for loss of personal belongings present in the car during break-ins.

    Other benefits

    • Compensation up to a maximum of S$300 for towing vehicles to garages after an accident or a breakdown, including third party cover.
    • Personal accident cover of up to S$50,000 for the insured.
    • Medical expenses for the insured driver and passengers. Compensation amount extends up to S$1,000 per person.
    • Legal support of up to S$3,000 for third party bodily injury claims.

    General Exclusions

    • Loss or damages due to driving under the influence of drugs or alcohol.
    • Loss or damages due to natural calamities like floods, windstorms, earthquakes and volcanic eruptions.
    • Damages due to acts or war, riots, strikes, rebellions or civil commotion.
    • Damages caused due to ionizing radiation or contamination by radioactivity.
    • Losses and damages arising from nuclear weapon materials
    • Damages or liability caused when the insured vehicle is being used inside an airport.

    Compare Liberty Vehicle Insurance With Other Insurance Companies Offering Car Insurance in Singapore

    FAQs - Liberty Vehicle Insurance

    1. How do I report an accident claim for a natural calamity damage?

      Customers need to file a GIA report within 24 hours of the damage by either using Liberty Insurance’s Preferred Workshops or Approved Reporting Centres (ARC).

    2. When is it required for customers to make a police report?

      Customers must make police reports for the situations mentioned below -

      • If the affected person is transported by an ambulance to a hospital or is given outpatient medical leave for a period of 3 days.
      • When Government vehicles or cars with foreign registrations are involved in accidents.
      • Damages to Government property.
      • Accident includes the involvement of a cyclist or a pedestrian regardless of them being injured or not.
      • If the insured’s car is stolen or has been sabotaged.
    3. How can customers make third party claims against other vehicles?

      Customers can make claims for accidents occurring due to third party mistakes. They need to send their damaged vehicle to any Preferred Workshop for repairs. If the third party is responsible for the damages, then the workshop will complete the repairs and make claims on the insured’s behalf.

    4. Is third party excess included?

      Customers are required to pay the required third party excess, when they make claim settlements.

    5. On account of vehicle damages are customers required to report accidents even if they have decided against making a claim?

      Yes, they should make a police report irrespective of making a claim.

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