Liberty General Insurance IRCTC Policy Download: A Guide for Travelers
If you are a frequent traveler by train, you might have heard of the Liberty General Insurance IRCTC Policy. This is a travel insurance policy that provides coverage for various risks and losses that may occur during your train journey. In this article, we will explain what this policy is, how to download it, how to claim it, and what are the customer reviews and ratings of it.
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What is Liberty General Insurance IRCTC Policy?
Liberty General Insurance IRCTC Policy is a travel insurance policy that is offered by Liberty General Insurance, a leading private general insurance company in India, in collaboration with IRCTC, the Indian Railway Catering and Tourism Corporation, which is the official online ticketing platform of Indian Railways. This policy is designed to provide protection and peace of mind to travelers who book their train tickets through IRCTC.
Benefits of Liberty General Insurance IRCTC Policy
Some of the benefits of Liberty General Insurance IRCTC Policy are:
It covers accidental death, permanent total disability, permanent partial disability, hospitalization expenses, and burglary at home during the train journey.
It provides compensation for trip delay due to late arrival of train at the destination station.
It offers cashless hospitalization facility at network hospitals across India.
It has a low premium rate of Rs. 0.49 per passenger per trip.
It has a hassle-free claim process and quick settlement.
Eligibility and Coverage of Liberty General Insurance IRCTC Policy
The eligibility and coverage of Liberty General Insurance IRCTC Policy are as follows:
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EligibilityCoverage
All passengers who book their train tickets through IRCTC website or mobile app are eligible to opt for this policy.The policy covers the following risks and losses:
The policy is applicable for all classes of travel except suburban trains.- Accidental death: Rs. 10 lakh per passenger- Permanent total disability: Rs. 10 lakh per passenger- Permanent partial disability: Rs. 7.5 lakh per passenger- Hospitalization expenses: Rs. 2 lakh per passenger- Burglary at home: Rs. 1 lakh per household- Trip delay: Rs. 1000 per passenger
The policy is valid for a single trip only.The policy does not cover pre-existing diseases, suicide, self-inflicted injuries, war, terrorism, nuclear hazards, natural calamities, intoxication, adventure sports, etc.
How to Download Liberty General Insurance IRCTC Policy?
You can download your Liberty General Insurance IRCTC Policy either online or offline. Here are the steps to do so:
Steps to Download Liberty General Insurance IRCTC Policy Online
Visit the official website of Liberty General Insurance at .
Click on "Customer Support" and then on "Download Forms".
Select "Travel" from the drop-down menu and then click on "Liberty Inland Travel Care Policy".
Enter your policy number and click on "Download".
You will receive your policy document in PDF format on your registered email id.
You can also download your policy document from the IRCTC website or mobile app by logging in with your credentials and clicking on "My Transactions" and then on "Booked Ticket History".
Steps to Download Liberty General Insurance IRCTC Policy Offline
You can visit any branch office of Liberty General Insurance and request for a copy of your policy document.
You can also call the toll-free customer care number of Liberty General Insurance at 1800-266-5844 and request for a copy of your policy document.
You will need to provide your policy number and other details to verify your identity.
You will receive your policy document by post or courier at your registered address.
How to Claim Liberty General Insurance IRCTC Policy?
If you face any unfortunate event during your train journey that is covered by the Liberty General Insurance IRCTC Policy, you can file a claim and get compensation. Here are the steps to do so:
Types of Claims and Documents Required
There are two types of claims under the Liberty General Insurance IRCTC Policy: accidental claims and trip delay claims. The documents required for each type of claim are as follows:
Type of ClaimDocuments Required
Accidental Claim- Duly filled and signed claim form- Copy of policy document- Copy of train ticket and PNR number- Copy of FIR or police report- Copy of death certificate or disability certificate- Copy of medical reports and bills- Copy of bank account details and cancelled cheque
Trip Delay Claim- Duly filled and signed claim form- Copy of policy document- Copy of train ticket and PNR number- Copy of boarding pass or confirmation from IRCTC- Proof of delay such as train status report or newspaper clipping- Copy of bank account details and cancelled cheque
Claim Process and Contact Details
The claim process and contact details for the Liberty General Insurance IRCTC Policy are as follows:
Inform the Liberty General Insurance about the claim within 24 hours of the occurrence of the event by calling the toll-free number 1800-266-5844 or emailing at care@libertyinsurance.in.
Submit the required documents within 15 days of the occurrence of the event to the nearest branch office of Liberty General Insurance or to the following address:Liberty General Insurance Limited,10th Floor, Tower A, Peninsula Business Park,Ganpatrao Kadam Marg, Lower Parel,Mumbai - 400013.
The Liberty General Insurance will verify the documents and process the claim within 30 days of receiving all the documents.
The Liberty General Insurance will settle the claim by transferring the amount to your bank account or by issuing a cheque.
Customer Reviews and Ratings of Liberty General Insurance IRCTC Policy
The Liberty General Insurance IRCTC Policy has received mixed reviews and ratings from customers who have availed it. Here are some of the positive and negative reviews and ratings:
Positive Reviews and Ratings
"I am very happy with the service provided by Liberty General Insurance. I had booked a train ticket through IRCTC and opted for their travel insurance policy. Unfortunately, my train got delayed by more than 6 hours due to some technical issue. I filed a claim for trip delay and got Rs. 1000 as compensation within a week. The claim process was very easy and fast. I would recommend this policy to all travelers." - Ramesh Kumar, 4 stars on Google Play Store.
"Liberty General Insurance IRCTC Policy is a very good travel insurance policy. It covers all the major risks that can happen during a train journey. I had a bad experience when my train met with an accident and I suffered some injuries. I was admitted to a network hospital and got cashless treatment. I also got Rs. 2 lakh as hospitalization expenses from Liberty General Insurance. They were very supportive and helpful throughout the claim process. I am very satisfied with their service." - Priya Sharma, 5 stars on Mouthshut.com.
Negative Reviews and Ratings
"Liberty General Insurance IRCTC Policy is a waste of money. I had booked a train ticket through IRCTC and opted for their travel insurance policy. My train was cancelled due to some reason and I had to book another ticket. I filed a claim for trip cancellation and submitted all the documents. But Liberty General Insurance rejected my claim saying that trip cancellation is not covered by their policy. They did not mention this clearly in their policy document. They are cheating the customers. Do not buy this policy." - Rajesh Singh, 1 star on Google Play Store.
"Liberty General Insurance IRCTC Policy is a scam. I had booked a train ticket through IRCTC and opted for their travel insurance policy. My train was delayed by more than 3 hours due to fog. I filed a claim for trip delay and submitted all the documents. But Liberty General Insurance did not respond to my claim for more than a month. When I called their customer care, they gave me different excuses and asked me to wait. They never settled my claim. They are very unprofessional and rude. Do not trust them." - Neha Gupta, 2 stars on Mouthshut.com.
Conclusion
Liberty General Insurance IRCTC Policy is a travel insurance policy that provides coverage for various risks and losses that may occur during your train journey. It has some benefits such as low premium, cashless hospitalization, and quick claim settlement. However, it also has some drawbacks such as limited coverage, poor customer service, and negative reviews. Therefore, before buying this policy, you should read the policy document carefully and understand the terms and conditions, exclusions, and limitations. You should also compare it with other travel insurance policies available in the market and choose the one that suits your needs and budget.
FAQs
Here are some of the frequently asked questions about Liberty General Insurance IRCTC Policy:
Q: How can I opt for Liberty General Insurance IRCTC Policy?A: You can opt for Liberty General Insurance IRCTC Policy while booking your train ticket through IRCTC website or mobile app. You will see an option to select travel insurance at the time of payment. You can click on it and pay Rs. 0.49 per passenger per trip as the premium.
Q: How can I cancel Liberty General Insurance IRCTC Policy?A: You can cancel Liberty General Insurance IRCTC Policy by cancelling your train ticket through IRCTC website or mobile app. You will get a refund of the premium amount along with the ticket amount as per the cancellation rules of IRCTC.
Q: How can I renew Liberty General Insurance IRCTC Policy?A: You cannot renew Liberty General Insurance IRCTC Policy as it is valid for a single trip only. If you want to avail this policy again, you have to opt for it while booking your next train ticket through IRCTC website or mobile app.
Q: How can I contact Liberty General Insurance for any queries or complaints?A: You can contact Liberty General Insurance for any queries or complaints by calling their toll-free number 1800-266-5844 or emailing at care@libertyinsurance.in. You can also visit their website or follow them on social media platforms such as Facebook, Twitter, Instagram, LinkedIn, and YouTube.
Q: How can I give feedback or suggestions to Liberty General Insurance?A: You can give feedback or suggestions to Liberty General Insurance by filling an online form on their website . You can also write a review or rating on platforms such as Google Play Store, Mouthshut.com, Trustpilot.com, etc.
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