Liberty Car Insurance

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Who is Liberty Insurance?

Liberty group South Africa was founded in 1957 with the belief that all people should have an opportunity to both grow their wealth and leave behind a proud legacy for their family. Liberty currently has a presence in 18 African countries, becoming a pan-African company serving over 3.2 million clients.

As an initiative with a belief in the constant need to seek and build upon knowledge, Liberty has invested over R480 million into providing support for various educational initiatives and projects within their communities.

Liberty Short Term Insurance

Liberty started off as a life insurer and has since grown into a company that offers financial services for asset management, insurance, investment and health products. They are one of the many short-term insurance companies in South Africa, offering car and household insurance along with various other policies. As an initiative with a belief in the constant need to seek and build upon knowledge, Liberty has invested over R480 million into providing support for various educational initiatives and projects within their communities.

Short Term Insurance – Liberty Auto

Liberty’s car insurance offers three different policy options to suit all budgets and needs with the best being comprehensive cover. A middle tier insurance policy option for covering third-party, fire and theft is available and a budget option of third party only providing the least amount of cover.

A 24/7 chatbot is available to assist with any of your insurance needs and to provide you with quick online insurance quotes. This is done through the chatbot using only your license disc and card with no paperwork required. Before signing up, ask yourself what do you actually need covered? These need to know car insurance questions will help you to decide out what is best for you.

Liberty also offers discounts on your vehicle premiums by taking and passing their App-based driving test. If passed you will qualify for a safe driver discount with up to 30% off your monthly premium. Standard benefits include roadside assistance and Uber Drive. A perk where vouchers are earned for participating in the Drive Coaching program are also available.

Value-added services such as an emergency SOS button are available to keep you safe and provide emergency assistance 24/7. Simply pressing the SOS button in the App will send a notification to Liberty’s emergency support line in case of emergency assistance being needed.

Home Insurance

Liberty offers two different policy options for cover when it comes to household insurance; residential buildings and household cover.

Residential buildings policies provide insurance for damage to the house itself and all permanent structures, fixtures and fittings. Household insurance provides cover for the contents of the household or belongings if they are stolen, lost or destroyed.

Liberty also offers various levels of policies for household cover, from comprehensive cover; fire, earthquake, storm and theft cover; or fire, storm and earthquake cover. An emergency SOS button is available within the App to provide emergency assistance 24/7 in the case of a household emergency. Medical and home emergency services are available with a team of dedicated medical staff available to assist with any medical emergency information and advice.

Personal Liability Insurance

This is a simple personal insurance policy that provides cover if you are responsible to pay compensation for any accidents. This includes any illness, injury or death to another individual or damage to any other person’s property.

The same emergency SOS button and medical services are available to you as with other policies and easy management within the app and 24/7 chatbot. That is where the cover ends.

Liberty Insurance Pros & Cons

To help with your decision making, here are a few pros and cons of Liberty insurance. After all, you should know the good and the bad about the company and its practices.

Pros	Cons
Quick and easy quotes with App support available 24/7	Trouble receiving payouts for claims
Medical emergency services provided: not a common perk with insurance companies	Complaint’s process is lengthy and often goes unresolved
Quick and easy quotes with App support available 24/7	Difficulty in claiming unused benefits that clients were unaware of

Overall, Liberty provides a competent service with the quotes and policy management being easy enough but the support after the signup process drops off significantly, especially with the claims process. If still left unsure, this list of the 10 best car insurance companies in South Africa will help you explore further options.