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Liberty car insurance review Singapore (2020)

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Liberty is a relatively new brand in Singapore, offering various insurance products such as travel insurance, car insurance and maid insurance. Never heard of it? It is an insurance provider that is 100% owned by Liberty Mutual Insurance Group and headquartered in Boston.

In terms of Liberty Private Car Insurance in Singapore, there are 3 types: comprehensive, third party only, and third party fire & theft. Are they any good? Let’s find out

Liberty Private Car Insurance overview

Coverage Comprehensive Third Party Fire & Theft Third Party
Accidental loss or damage by fireYesYes
Loss or damage by theftYesYes
Accidental loss or damage by other insured causes Yes
Accidental loss or damage to windscreen Yes
Death or bodily injury to third party YesYesYes
Loss or damage to third party propertyYesYesYes
Your legal costs and expenses YesYesYes
Towing to repairer or place of safety following accident or breakdown Yes
Personal accident benefits for you Yes
Medical expenses for you and your passengersYes
Legal aid for defending third party bodily injury claims YesYesYes
Waiver of basic excessYes
Loss of use (rental car up to 5 days 1.6L) Yes

Liberty Third Party Car Insurance

Liberty third party car insurance offers compensation for death or bodily injury to third parties, as well as loss or damage to third party property. It also covers legal costs and expenses.

Liberty Third Party Fire Theft Car Insurance

On top of the coverage offered by Liberty Third Party Car Insurance, Liberty Third Party Fire & Theft car insurance plan covers for accidental loss or damage by fire or loss or damage by theft.

Liberty Comprehensive Cover Car Insurance

Liberty’s comprehensive motor insurance plan offers the highest level of coverage, including below key benefits:

  • 24/7 roadside assistance
  • Loss of use benefit (rental car 1.6L) for up to 5 days in the event of accident repairs
  • S$50,000 personal accident cover for you while driving your car
  • S$1,000 medical expenses reimbursements per accident for the insured, authorised driver and passengers
  • Waiver of basic excess

Liberty car insurance also provides an exclusive service, LibertyOne. It is provided to selected policyholders only and is provided at Liberty’s sole choice and discretion.

Under LibertyOne, the provider will offer one-stop services to report the accident, endeavour to repair the vehicle to a condition reasonably comparable to its pre-accident condition, and “replace” the vehicle by providing a rental car(1.6L) for the insurer when the car is under repair. LibertyOne is only available provided that the policyholder opts for repairs to be done at a LibertyOne workshop.

Should you select Liberty Private Car insurance?

Liberty is a fairly new brand name in Singapore, but its comprehensive car insurance plans provides key benefits that are comparable to other insurers.

Check Liberty car insurance quotes by filling up the form on their official website and then compare premiums with other insurers.

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