IRDAI product register · general insurance
Liberty General Insurance Policy Wordings
IRDAI's non-life product register lists 81 Liberty General products and 130 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
Liberty General Insurance, formerly Liberty Videocon General Insurance. The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Money, fidelity and crime · Event and cancellation · Motor · Specialty: title, warranty, drones and more · Other
Fire and property (47)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Accidental Damage-Add on cover under Industrial All Risk Insurance | IRDAN150A0023V01201617 | 3 Jan 2017 | Wording |
| Additional Customs Duty-Add on cover under Industrial All Risk Insurance | IRDAN150A0029V01201617 | 3 Jan 2017 | Wording |
| Additional increase cost of working-Add on cover under Industrial All Risk Insurance | IRDAN150A0025V01201617 | 3 Jan 2017 | Wording |
| Adequacy of Sum Insured / Waiver of Under insurance-Add on cover under Industrial All Risk Insurance | IRDAN150A0032V01201617 | 3 Jan 2017 | Wording |
| Automatic reinstatement of loss-Add on cover under Industrial All Risk Insurance | IRDAN150A0041V01201617 | 3 Jan 2017 | Wording |
| Brand / trademarks-Add on cover under Industrial All Risk Insurance | IRDAN150A0020V01201617 | 3 Jan 2017 | Wording |
| Capital Additions-Add on cover under Industrial All Risk Insurance | IRDAN150A0019V01201617 | 3 Jan 2017 | Wording |
| Catalysts and consumable interest in process-Add on cover under Industrial All Risk Insurance | IRDAN150A0048V01201617 | 3 Jan 2017 | Wording |
| Claims Preparation Cost-Add on cover under Industrial All Risk Insurance | IRDAN150A0018V01201617 | 3 Jan 2017 | Wording |
| Contamination and Co-mingling of Stocks-Add on cover under Industrial All Risk Insurance | IRDAN150A0047V01201617 | 3 Jan 2017 | Wording |
| Contract Work-Add on cover under Industrial All Risk Insurance | IRDAN150A0017V01201617 | 3 Jan 2017 | Wording |
| Demolition and Increased Cost of Construction-Add on cover under Industrial All Risk Insurance | IRDAN150A0044V01201617 | 3 Jan 2017 | Wording |
| Dewatering Expenses-Add on cover under Industrial All Risk Insurance | IRDAN150A0038V01201617 | 3 Jan 2017 | Wording |
| Expediting Costs-Add on cover under Industrial All Risk Insurance | IRDAN150A0021V01201617 | 3 Jan 2017 | Wording |
| Fire fighting expenses-Add on cover under Industrial All Risk Insurance | IRDAN150A0034V01201617 | 3 Jan 2017 | Wording |
| Goods Held in Trust -Add on cover under Industrial All Risk Insurance | IRDAN150A0040V01201617 | 3 Jan 2017 | Wording |
| Immediate Repairs-Add on cover under Industrial All Risk Insurance | IRDAN150A0027V01201617 | 3 Jan 2017 | Wording |
| Inadvertent exclusion of assets-Add on cover under Industrial All Risk Insurance | IRDAN150A0035V01201617 | 3 Jan 2017 | Wording |
| Industrial All Risk Insurance | IRDAN150P0006V02201213 | 3 Jan 2017 | Wording |
| Involuntary Betterment-Add on cover under Industrial All Risk Insurance | IRDAN150A0014V01201617 | 3 Jan 2017 | Wording |
| Jeweller’s Block Insurance Policy | IRDAN150P0013V01201617 | 16 Mar 2017 | Wording |
| Leak Search / finding costs-Add on cover under Industrial All Risk Insurance | IRDAN150A0033V01201617 | 3 Jan 2017 | Wording |
| Liberty Bharat Griha Raksha | IRDAN150RP0016V02202021 | 21 Apr 2022 | Wording |
| Loss of Management Fee Revenues-Add on cover under Industrial All Risk Insurance | IRDAN150A0056V01201617 | 3 Jan 2017 | Wording |
| Minor Works-Add on cover under Industrial All Risk Insurance | IRDAN150A0028V01201617 | 3 Jan 2017 | Wording |
| Modification costs and expenses for incompatibility of equipment-Add on cover under Industrial All Risk Insurance | IRDAN150A0050V01201617 | 3 Jan 2017 | Wording |
| New Location-Add on cover under Industrial All Risk Insurance | IRDAN150A0024V01201617 | 3 Jan 2017 | Wording |
| Non-invalidation clause-Add on cover under Industrial All Risk Insurance | IRDAN150A0016V01201617 | 3 Jan 2017 | Wording |
| Obsolete Parts-Add on cover under Industrial All Risk Insurance | IRDAN150A0026V01201617 | 3 Jan 2017 | Wording |
| Petrochemical Insurance Policy | IRDAN150CP0001V02201314 | 9 May 2019 | Wording |
| Port Blockage-Add on cover under Industrial All Risk Insurance | IRDAN150A0052V01201617 | 3 Jan 2017 | Wording |
| Preparation of Lost records-Add on cover under Industrial All Risk Insurance | IRDAN150A0036V01201617 | 3 Jan 2017 | Wording |
| Property in Off-site Storage-Add on cover under Industrial All Risk Insurance | IRDAN150A0039V01201617 | 3 Jan 2017 | Wording |
| Protection and Preservation of Property -Add on cover under Industrial All Risk Insurance | IRDAN150A0057V01201617 | 3 Jan 2017 | Wording |
| Service Interruption Property Damage-Add on cover under Industrial All Risk Insurance | IRDAN150A0045V01201617 | 3 Jan 2017 | Wording |
| Service Interruption Time Element-Add on cover under Industrial All Risk Insurance | IRDAN150A0055V01201617 | 3 Jan 2017 | Wording |
| Shopkeepers Package Insurance Policy | IRDAN150RP0010V02201617 | 6 Aug 2021 | Wording |
| Shopkeepers Package Insurance Policy | IRDAN150P0010V01201617 | 13 Jan 2017 | Wording |
| Standard Fire and Special Perils Policy- Commercial | IRDAN150CP0005V01201819 | 2 Aug 2018 | Wording |
| Startup / Shutdown costs-Add on cover under Industrial All Risk Insurance | IRDAN150A0022V01201617 | 3 Jan 2017 | Wording |
| Sue and labor charges-Add on cover under Industrial All Risk Insurance | IRDAN150A0030V01201617 | 3 Jan 2017 | Wording |
| Temporary Repairs -Add on cover under Industrial All Risk Insurance | IRDAN150A0015V01201617 | 3 Jan 2017 | Wording |
| Temporary Structures Plant & Equipment-Add on cover under Industrial All Risk Insurance | IRDAN150A0043V01201617 | 3 Jan 2017 | Wording |
| Un-occupancy Clause-Add on cover under Industrial All Risk Insurance | IRDAN150A0046V01201617 | 3 Jan 2017 | Wording |
| Valuable plan and Documents-Add on cover under Industrial All Risk Insurance | IRDAN150A0037V01201617 | 3 Jan 2017 | Wording |
| Vessel impact to jetty-Add on cover under Industrial All Risk Insurance | IRDAN150A0049V01201617 | 3 Jan 2017 | Wording |
| Waiver of Subrogation-Add on cover under Industrial All Risk Insurance | IRDAN150A0042V01201617 | 3 Jan 2017 | Wording |
Shop, office, home and business packages (7)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Business Package Insurance Policy | IRDAN150RP0003V02201314 | 7 May 2021 | Wording |
| Home Connect | IRDAN150RP0006V03201516 | 7 May 2021 | Wording |
| Liberty Home Comprehensive Package Policy | IRDAN150RP0011V01202122 | 22 Sep 2021 | Wording |
| Office Package Insurance Policy | IRDAN150RP0011V02201617 | 25 Aug 2021 | Wording |
| Office Package Insurance Policy | IRDAN150P0011V01201617 | 13 Jan 2017 | Wording |
| SME Package Insurance Policy | IRDAN150RP0009V02201617 | 25 Aug 2021 | Wording |
| SME Package Insurance Policy | IRDAN150P0009V01201617 | 13 Jan 2017 | Wording |
Engineering (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Contractor All Risk Insurance Policy | IRDAN150CP0003V01201819 | 2 Aug 2018 | Wording |
| Erection All Risks Insurance Policy | IRDAN150CP0004V01201819 | 2 Aug 2018 | Wording |
Liability (4)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Errors and Omissions-Add on cover under Industrial All Risk Insurance | IRDAN150A0031V01201617 | 3 Jan 2017 | Wording |
| Liberty - Warranty and Indemnity Insurance | IRDAN150CP0001V01201819 | 26 Apr 2018 | Wording |
| Liberty ‘Executive Protect’ – Directors & Officers Liability Insurance | IRDAN150P0003V01201718 | 2 Mar 2018 | Wording |
| Professional fees -Add on cover under Industrial All Risk Insurance | IRDAN150A0051V01201617 | 3 Jan 2017 | Wording |
Money, fidelity and crime (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Commercial Crime Insurance | IRDAN150P0001V01201718 | 24 Apr 2017 | Wording |
| Commercial Crime Insurance Policy | IRDAN150P0008VO1201617 | 5 Jan 2017 | Wording |
Event and cancellation (3)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Comprehensive Event Protect Insurance Policy | IRDAN150RP0022V01201920 | 29 Mar 2019 | Wording |
| Event Insurance Policy | IRDAN150P0012V01201617 | 1 Feb 2017 | Wording |
| Prevention of access / Denial of access-Add on cover under Industrial All Risk Insurance | IRDAN150A0053V01201617 | 3 Jan 2017 | Wording |
Motor (13)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Commercial Vehicle Package policy- Add on - Additional Towing Expenses Reimbursement | IRDAN150A0007V01201617 | 1 Nov 2016 | Wording |
| Commercial Vehicle Package policy- Add on - Daily Allowance Benefit | IRDAN150A0005V01201617 | 1 Nov 2016 | Wording |
| Commercial Vehicle Package policy- Add on - EMI Protection | IRDAN150A0006V01201617 | 1 Nov 2016 | Wording |
| Commercial Vehicle Package policy- Add on - Engine Safe | IRDAN150A0004V01201617 | 1 Nov 2016 | Wording |
| Commercial Vehicle Package policy- Add on - GAP Value cover | IRDAN150A0002V01201617 | 1 Nov 2016 | Wording |
| Commercial Vehicle Package policy- Add on - Roadside Assistance Cover | IRDAN150A0003V01201617 | 1 Nov 2016 | Wording |
| Private Car Liability Policy - 3 Years | IRDAN150RP0005V01201819 | 30 Aug 2018 | Wording |
| Private Car Package Policy - 3 Years | IRDAN150RP0003V01201819 | 30 Aug 2018 | Wording |
Private Car Policy - Bundled Cover1 add-on
| IRDAN150RP0004V01201819 | 30 Aug 2018 | Wording |
Stand-alone Own Damage Policy for Private Car14 add-ons
| IRDAN150RP0001V01201920 | 13 Aug 2019 | Wording |
| Two Wheeler Liability Policy - 5 Years | IRDAN150RP0008V01201819 | 30 Aug 2018 | Wording |
| Two Wheeler Package Policy - 5 Years | IRDAN150RP0006V01201819 | 30 Aug 2018 | Wording |
| Two Wheeler Policy - Bundled Cover | IRDAN150RP0007V01201819 | 30 Aug 2018 | Wording |
Specialty: title, warranty, drones and more (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Liberty Bicycle Protect Plus | IRDAN150RP0002V01201819 | 30 Jul 2018 | Wording |
| Liberty Title Insurance Policy | IRDAN150CP0006V01201819 | 28 May 2019 | Wording |
Other (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Liberty safe Container Insurance | IRDAN150P0001V01201617 | 7 Oct 2016 | Wording |
Add-ons filed on their own (115)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Accidental Damage Cover | IRDAN150RP0016V01202021/A0007V01202122 | 23 Jul 2021 | Wording |
| Accidental Damage Cover | IRDAN150RP0017V01202021/A0003V01202122 | 23 Jul 2021 | Wording |
| Accidental Damage Cover | IRDAN150RP0018V01202021/A0006V01202122 | 23 Jul 2021 | Wording |
| Accidental Damage Cover-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0030V01201718 | 22 Mar 2018 | Wording |
| Additional Customs Duty-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0036V01201718 | 22 Mar 2018 | Wording |
| Additional increase cost of working-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0032V01201718 | 22 Mar 2018 | Wording |
| Adequacy of sum Insured /Waiver of under insurance-Add-on under Commercial Package Insurance Policy | IRDAN150A0039V01201718 | 22 Mar 2018 | Wording |
| Architects, Surveyors and Consulting Engineers Fees (excess of 3% claim amt)-(Comm.Pac.Ins.policy) | IRDAN150A0004V01201718 | 22 Mar 2018 | Wording |
| Automatic reinstatement of loss-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0048V01201718 | 22 Mar 2018 | Wording |
| Brand / Trademarks-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0027V01201718 | 22 Mar 2018 | Wording |
| Capital Additions/Newly Acquired Property/Interest-Add-on under Commercial Package Insurance Policy | IRDAN150A0026V01201718 | 22 Mar 2018 | Wording |
| Catalysts and Consumable interests in process-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0055V01201718 | 22 Mar 2018 | Wording |
| Claim Preparation Costs-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0025V01201718 | 22 Mar 2018 | Wording |
| Consumable Cover | IRDAN150RP0002V01201920/A0017V01201920 | 13 Aug 2019 | Wording |
| Consumable Cover - 3 Years | IRDAN150RP0003V01201819 / A0010V01201819 | 10 Sep 2018 | Wording |
| Consumable Cover - 5 Years | IRDAN150RP0006V01201819 / A0036V01201819 | 10 Sep 2018 | Wording |
| Consumable Cover - Bundled Cover | IRDAN150RP0004V01201819 / A0023V01201819 | 10 Sep 2018 | Wording |
| Consumable Cover - Bundled Cover | IRDAN150RP0007V01201819 / A0041V01201819 | 10 Sep 2018 | Wording |
| Contamination and Co-mingling of Stocks-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0054V01201718 | 22 Mar 2018 | Wording |
| Contract Works-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0024V01201718 | 22 Mar 2018 | Wording |
| Daily Allowance - 3 Years | IRDAN150RP0003V01201819 / A0014V01201819 | 10 Sep 2018 | Wording |
| Daily Allowance - Bundled Cover | IRDAN150RP0004V01201819 / A0027V01201819 | 10 Sep 2018 | Wording |
| Damage due to Molten Material Spillage-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0020V01201718 | 22 Mar 2018 | Wording |
| Demolition and increased Cost of Construction-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0051V01201718 | 22 Mar 2018 | Wording |
| Depreciation Cover | IRDAN150RP0002V01201920/A0016V01201920 | 13 Aug 2019 | Wording |
| Depreciation Cover - 3 Years | IRDAN150RP0003V01201819 / A0009V01201819 | 10 Sep 2018 | Wording |
| Depreciation Cover - 5 Years | IRDAN150RP0006V01201819 / A0035V01201819 | 10 Sep 2018 | Wording |
| Depreciation Cover - Bundled Cover | IRDAN150RP0004V01201819 / A0022V01201819 | 10 Sep 2018 | Wording |
| Depreciation Cover - Bundled Cover | IRDAN150RP0007V01201819 / A0040V01201819 | 10 Sep 2018 | Wording |
| Dewatering expenses-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0045V01201718 | 22 Mar 2018 | Wording |
| DOS in Cold Storage due to accidental power failure consequent to damage at Power Stn(Comm.Pac.Ins.) | IRDAN150A0006V01201718 | 22 Mar 2018 | Wording |
| DOS in Cold Storage due to chg in temp arising out of damage to Cold Storage machinery(Comm.Pac.Ins) | IRDAN150A0007V01201718 | 22 Mar 2018 | Wording |
| Earthquake (Fire and Shock)-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0013V01201718 | 22 Mar 2018 | Wording |
| EMI Protection - 3 Years | IRDAN150RP0003V01201819 / A0021V01201819 | 10 Sep 2018 | Wording |
| EMI Protection - Bundled Cover | IRDAN150RP0004V01201819 / A0034V01201819 | 10 Sep 2018 | Wording |
| EMI Protection - private car | IRDAN150A0002V01201718 | 8 Sep 2017 | Wording |
| Engine Safe | IRDAN150RP0002V01201920/A0020V01201920 | 13 Aug 2019 | Wording |
| Engine Safe - 3 Years | IRDAN150RP0003V01201819 / A0019V01201819 | 10 Sep 2018 | Wording |
| Engine Safe - 5 Years | IRDAN150RP0006V01201819 / A0039V01201819 | 10 Sep 2018 | Wording |
| Engine Safe - Bundled Cover | IRDAN150RP0004V01201819 / A0032V01201819 | 10 Sep 2018 | Wording |
| Engine Safe - Bundled Cover | IRDAN150RP0007V01201819 / A0044V01201819 | 10 Sep 2018 | Wording |
| Errors and Omission and Misdescription Clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0038V01201718 | 22 Mar 2018 | Wording |
| Escalation Clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0011V01201718 | 22 Mar 2018 | Wording |
| EV Secure Two Wheeler | IRDAN150RP0001V01201213/A0002V01202223 | 6 Jun 2022 | Wording |
| EV Secure Two Wheeler | IRDAN150RP0002V01201516/A0003V01202223 | 6 Jun 2022 | Wording |
| EV Secure Two Wheeler | IRDAN150RP0002V01201920/A0004V01202223 | 6 Jun 2022 | Wording |
| EV Secure Two Wheeler | LIRDAN150RP0007V01201819/A0001V01202223 | 6 Jun 2022 | Wording |
| Expediting Costs-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0028V01201718 | 22 Mar 2018 | Wording |
| Fire Fighting Expenses-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0041V01201718 | 22 Mar 2018 | Wording |
| Forest Fire | IRDAN150A0008V01201718 | 22 Mar 2018 | Wording |
| Gap Value Cover | IRDAN150RP0035V01201213/A0018V02201213 | 21 Apr 2022 | Wording |
| GAP Value Cover | IRDAN150RP0002V01201920/A0018V01201920 | 13 Aug 2019 | Wording |
| Gap Value Cover - 3 Years | IRDAN150RP0003V01201819 / A0011V01201819 | 10 Sep 2018 | Wording |
| GAP Value Cover - 5 Years | IRDAN150RP0006V01201819 / A0037V01201819 | 10 Sep 2018 | Wording |
| Gap Value Cover - Bundled Cover | IRDAN150RP0004V01201819 / A0024V01201819 | 10 Sep 2018 | Wording |
| GAP Value Cover - Bundled Cover | IRDAN150RP0007V01201819 / A0042V01201819 | 10 Sep 2018 | Wording |
| Goods held in trust-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0047V01201718 | 22 Mar 2018 | Wording |
| Immediate repairs-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0034V01201718 | 22 Mar 2018 | Wording |
| Impact Damage due to Insured’s own rail/Road Vehicle,Fork lift,Crane,Stacker (Comm.Pac.Ins.policy) | IRDAN150A0009V01201718 | 22 Mar 2018 | Wording |
| Inadvertent Omission | IRDAN150RP0017V01202021/A0002V01202122 | 23 Jul 2021 | Wording |
| Inadvertent Omission | IRDAN150RP0018V01202021/A0005V01202122 | 23 Jul 2021 | Wording |
| Inadvertent Omission/ Inadvertent Exclusion of assets | IRDAN150A0042V01201718 | 22 Mar 2018 | Wording |
| Insurance of additional exp of rent for alternative accommodation-Add-on under (Comm.Pac.Ins.policy) | IRDAN150A0018V01201718 | 22 Mar 2018 | Wording |
| Involuntary betterment-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0021V01201718 | 22 Mar 2018 | Wording |
| Key Loss Cover - 3 Years | IRDAN150RP0003V01201819 / A0018V01201819 | 10 Sep 2018 | Wording |
| Key Loss Cover - Bundled Cover | IRDAN150RP0004V01201819 / A0031V01201819 | 10 Sep 2018 | Wording |
| Leak Search Cost-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0040V01201718 | 22 Mar 2018 | Wording |
| Leakage and contamination cover-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0015V01201718 | 22 Mar 2018 | Wording |
| Loss of personal belongings - 3 Years | IRDAN150RP0003V01201819 / A0017V01201819 | 10 Sep 2018 | Wording |
| Loss of personal belongings - Bundled Cover | IRDAN150RP0004V01201819 / A0030V01201819 | 10 Sep 2018 | Wording |
| Loss of Rent Clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0017V01201718 | 22 Mar 2018 | Wording |
| Minor Works-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0035V01201718 | 22 Mar 2018 | Wording |
| Modification Costs and Expenses for incompatibility of Equipments-Add-on under (Comm.Pac.Ins.policy) | IRDAN150A0057V01201718 | 22 Mar 2018 | Wording |
| NCB Protection - NCB one Slab down - 3 Years | IRDAN150RP0003V01201819 / A0016V01201819 | 10 Sep 2018 | Wording |
| NCB Protection - NCB one Slab down - Bundled Cover | IRDAN150RP0004V01201819 / A0029V01201819 | 10 Sep 2018 | Wording |
| NCB Protection - Same NCB Slab - 3 Years | IRDAN150RP0003V01201819 / A0015V01201819 | 10 Sep 2018 | Wording |
| NCB Protection - Same NCB Slab - Bundled Cover | IRDAN150RP0004V01201819 / A0028V01201819 | 10 Sep 2018 | Wording |
| New location Cover-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0031V01201718 | 22 Mar 2018 | Wording |
| Non-Invalidation Clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0023V01201718 | 22 Mar 2018 | Wording |
| Obsolete Parts-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0033V01201718 | 22 Mar 2018 | Wording |
| Omission to Insure additions, alteration or extensions | IRDAN150A0012V01201718 | 22 Mar 2018 | Wording |
| Passenger Assist Cover - 3 Years | IRDAN150RP0003V01201819 / A0012V01201819 | 10 Sep 2018 | Wording |
| Passenger Assist Cover - Bundled Cover | IRDAN150RP0004V01201819 / A0025V01201819 | 10 Sep 2018 | Wording |
| Preparation of lost records-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0043V01201718 | 22 Mar 2018 | Wording |
| Professional Fees-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0058V01201718 | 22 Mar 2018 | Wording |
| Property in Offsite Storage/Property not on insured Premises-Add-on under (Comm.Pac.Ins.policy) | IRDAN150A0046V01201718 | 22 Mar 2018 | Wording |
| Protection and Preservation of Property-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0059V01201718 | 22 Mar 2018 | Wording |
| Removal of Debris (excess of 1% claim amount) -Add-on under Commercial Package Insurance Policy | IRDAN150A0005V01201718 | 22 Mar 2018 | Wording |
| Roadside Assistance - 3 Years | IRDAN150RP0003V01201819 / A0013V01201819 | 10 Sep 2018 | Wording |
| Roadside Assistance - Bundled Cover | IRDAN150RP0004V01201819 / A0026V01201819 | 10 Sep 2018 | Wording |
| Roadside Assistance Cover | IRDAN150RP0002V01201920/A0019V01201920 | 13 Aug 2019 | Wording |
| Roadside Assistance Cover - 5 Years | IRDAN150RP0006V01201819 / A0038V01201819 | 10 Sep 2018 | Wording |
| Roadside Assistance Cover - Bundled Cover | IRDAN150RP0007V01201819 / A0043V01201819 | 10 Sep 2018 | Wording |
| Service interruption Property Damage-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0052V01201718 | 22 Mar 2018 | Wording |
| Spoilage Material Damage Cover-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0014V01201718 | 22 Mar 2018 | Wording |
| Spontaneous Combustion-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0010V01201718 | 22 Mar 2018 | Wording |
| Start up Expenses-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0019V01201718 | 22 Mar 2018 | Wording |
| Start-Up/ Shutdown Cost-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0029V01201718 | 22 Mar 2018 | Wording |
| Sue and Labour Charges-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0037V01201718 | 22 Mar 2018 | Wording |
| Temporary Removal of stock clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0016V01201718 | 22 Mar 2018 | Wording |
| Temporary repairs-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0022V01201718 | 22 Mar 2018 | Wording |
| Temporary Resettlement Cover | IRDAN150RP0016V01202021/A0010V01202122 | 23 Jul 2021 | Wording |
| Temporary Structures, Plant and Equipment (incl Electrical Cables & Pipes)-(Comm.Pack.Ins.policy) | IRDAN150A0050V01201718 | 22 Mar 2018 | Wording |
| Third Party Legal Liability | IRDAN150RP0016V01202021/A0008V01202122 | 23 Jul 2021 | Wording |
| Towing Expenses cover - 3 Years | IRDAN150RP0003V01201819 / A0020V01201819 | 10 Sep 2018 | Wording |
| Towing Expenses cover - Bundled Cover | IRDAN150RP0004V01201819 / A0033V01201819 | 10 Sep 2018 | Wording |
| Tyre Protect - Commercial Vehicle Package Policy | IRDAN150RP0033V01201213/A0021V01201920 | 16 Jan 2019 | Wording |
| Tyre Protect - Private Car Package Policy | IRDAN150RP0035V01201213/A0023V01201920 | 17 Dec 2019 | Wording |
| Unoccupancy Clause-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0053V01201718 | 22 Mar 2018 | Wording |
| Valuable plan and Documents-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0044V01201718 | 22 Mar 2018 | Wording |
| Vessel impact of Jetty-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0056V01201718 | 22 Mar 2018 | Wording |
| Waiver of Subrogation-Add-on Cover under Commercial Package Insurance Policy | IRDAN150A0049V01201718 | 22 Mar 2018 | Wording |
| Water Damage Cover | IRDAN150RP0016V01202021/A0009V01202122 | 23 Jul 2021 | Wording |
| Water Damage Cover | IRDAN150RP0017V01202021/A0001V01202122 | 23 Jul 2021 | Wording |
| Water Damage Cover | IRDAN150RP0018V01202021/A0004V01202122 | 23 Jul 2021 | Wording |
Names in the register
IRDAI registration number 150. Filed as: Liberty General Insurance Limited; Liberty Videocon General Insurance Company Limited; Liberty Videocon General Insurance Co. Ltd; Libery General Insurance Limited. Its claim settlement, solvency and market share figures: Liberty General profile.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find Liberty General policy wordings?
Above: every Liberty General product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many Liberty General general insurance products are in IRDAI's register?
81 products and 130 add-ons, approved 2016 to 2022.
Which lines of cover does Liberty General file most?
By number of products in the register: fire and property 47, motor 13, shop, office, home and business packages 7, liability 4.
Why are Liberty General products filed under another name?
The register keeps each product under the name the insurer used when it filed. Liberty General Insurance: formerly Liberty Videocon General Insurance.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.
Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.