{"insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited"},"issue":"other","issue_label":"Something else","rule":"An insurer must acknowledge a complaint at once and resolve it within 14 days, giving reasons with reference to the policy terms if it does not accept it.","rule_law":{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},"state":null,"steps":[{"n":1,"title":"Write to Liberty General Insurance","when":"First. The insurer must reply within 14 days.","what":"Send a written complaint (e-mail is fine) with your policy and claim numbers and copies of the documents. Ask for a resolution of the problem described above. Keep the acknowledgement and its reference number.","contacts":[{"purpose":"grievance","channel":"email","value":"care@libertyinsurance.in","label":"Customer Care Email","level":1,"hours":null,"applies_to":"all","source_url":"https://www.libertyinsurance.in/Docx/Event%20Insurance%20Policy%20-%20Policy%20Wordings-(UIN%20IRDAN150CP0012V01201617).pdf","quote":"8:00 PM, 7 days of the week) | meet your expectations, you can escalate\nor at Manager@libertyinsurance.in Email us at: care@libertyinsurance.in or Step 3\nWrite to us at: | If you are still not satisfied with the\nCustomer Service | resolution provided, you can fur","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800-266-5844","label":"Toll free number","level":1,"hours":"8:00 AM to 8:00 PM, 7 days of the week","applies_to":"all","source_url":"https://www.libertyinsurance.in/Docx/Event%20Insurance%20Policy%20-%20Policy%20Wordings-(UIN%20IRDAN150CP0012V01201617).pdf","quote":"r the financial services we provide to you, please follow the below steps:\nStep 1 | Step 2\nCall us on Toll free number: 1800-266-5844 | If our response or resolution does not\n(8:00 AM to 8:00 PM, 7 days of the week) | meet your expectations, you can esc","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"022 -69038800/69038812","label":"Council for Insurance Ombudsmen Phone","level":null,"hours":null,"applies_to":"all","source_url":"https://www.libertyinsurance.in/Docx/Event%20Insurance%20Policy%20-%20Policy%20Wordings-(UIN%20IRDAN150CP0012V01201617).pdf","quote":"ncil Council for Insurance Ombudsmen,3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai -400 054. Tel No: 022 -69038800/69038812, E-mail ID: inscoun@cioins.co.in Website: https://www.cioins.co.in/Ombudsman","fetched_at":"2026-10-20"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1 and VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":2,"title":"Escalate to Liberty General Insurance's Grievance Redressal Officer","when":"If there is no reply in 14 days, or you do not accept it.","what":"Forward your first complaint and its reference number, and say why the reply does not resolve it.","contacts":[{"purpose":"escalation","channel":"email","value":"Manager@libertyinsurance.in","label":"Manager Email","level":2,"hours":null,"applies_to":"all","source_url":"https://www.libertyinsurance.in/Docx/Event%20Insurance%20Policy%20-%20Policy%20Wordings-(UIN%20IRDAN150CP0012V01201617).pdf","quote":"sponse or resolution does not\n(8:00 AM to 8:00 PM, 7 days of the week) | meet your expectations, you can escalate\nor at Manager@libertyinsurance.in Email us at: care@libertyinsurance.in or Step 3\nWrite to us at: | If you are still not satisfied with the\nCustomer Serv","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"email","value":"Servicehead@libertyinsurance.in","label":"Service Head Email","level":3,"hours":null,"applies_to":"all","source_url":"https://www.libertyinsurance.in/Docx/Event%20Insurance%20Policy%20-%20Policy%20Wordings-(UIN%20IRDAN150CP0012V01201617).pdf","quote":"rovided, you can further\nLiberty General Insurance Limited | escalate | at\nUnit 1501 & 1502, 15th Floor, Tower 2, One | Servicehead@libertyinsurance.in\nInternational Center, Senapati Bapat Marg, Prabhadevi, Mumbai, Maharashtra 400013\nAn acknowledgement will be sent on re","fetched_at":"2026-10-20"}],"law":[]},{"n":3,"title":"Register on Bima Bharosa (IRDAI)","when":"Any time; it tracks your complaint against the insurer.","what":"Register the complaint on IRDAI's portal; the insurer's grievance system is linked to it.","contacts":[{"label":"Bima Bharosa (IRDAI grievance portal)","channel":"url","value":"https://bimabharosa.irdai.gov.in/","source_url":"https://bimabharosa.irdai.gov.in/"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":4,"title":"The Insurance Ombudsman for your area","when":"If the insurer rejects your complaint, does not reply within one month, or you are not satisfied. Within one year of the insurer's reply.","what":"Free. For a loss up to Rs 50 lakh. Write (or file online) with your name and address, the insurer's office, the facts, the supporting documents, the loss and the relief you want. You cannot go to the Ombudsman on a matter already before a court, consumer commission or arbitrator.","contacts":[{"label":"Insurance Ombudsman: register a complaint online","channel":"url","value":"https://cioins.co.in/Complaint/Online","source_url":"https://cioins.co.in/Complaint/Online"}],"law":[{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 17","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":5,"title":"Consumer commission","when":"Instead of the Ombudsman, or for a larger loss.","what":"File a consumer complaint. The District Commission hears claims up to Rs 50 lakh, the State Commission up to Rs 2 crore, the National Commission above that.","contacts":[{"label":"e-Jagriti (consumer commission filing)","channel":"url","value":"https://e-jagriti.gov.in/","source_url":"https://e-jagriti.gov.in/"}],"law":[{"title":"Consumer Protection (Jurisdiction) Rules, 2021","ref":"Rules 3 to 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"}]}],"forms":[],"issues":{"claim-rejected":"Claim rejected","claim-partly-paid":"Claim cut or partly paid","claim-delayed":"Claim not settled in time","late-intimation":"Rejected for late intimation or missing documents","cashless-denied":"Cashless denied or delayed","refund":"Refund or cancellation","service":"Service request not done","mis-selling":"Mis-sold or policy differs from the proposal","other":"Something else"},"draft":"https://indiainsurances.com/api/v1/draft-complaint","page":"https://indiainsurances.com/complain/liberty-general-insurance","notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim."}