Future Generali India Insurance Co. Ltd. is a joint venture between Future Group and Generali Group. Generali Group is the biggest insurance provider across Italy and one of the most trusted insurance companies in entire Europe
Future Generali India Insurance Company offers a plethora of insurance products to its customers across all major kinds of insurance that an individual may need, including car insurance. The vehicle insurance policies by the insurer also offer various add-ons to allow the customer to opt for extra coverage for his/her car.
|Features||Coverage and Benefits|
|Claim Settlement Ratio||96.3%|
|Personal Accident Insurance||Up to Rs.15 Lakh|
|No Claim Bonus||Yes|
|No. of Zero Dep Claims||2|
Future Generali car insurance policies have various benefits that are discussed below:
Future Generali Motor Insurance offers three major types of motor insurance policy:
A third party car insurance policy offers coverage to the policyholder against any third-party liability arising due to an accident involving the insured car. This policy covers third-party property damages, third-party injury or death. However, this policy does not include coverage against damages sustained by the insured car.
The extent of liability for the death/injury of a third party is unlimited, and for third-party property damage, the liability is limited to up to Rs. 7.5 lakh.
Under the own damage car insurance policy, the insurance company will compensate the policyholder against loss or damages to the insured car arising due to fire, theft, riot, earthquake, accident, etc.
This policy by Future Generali car insurance can be purchased with a third-party liability policy to cover the insured car as well.
Comprehensive or Private car package policy by Future Generali car insurance covers a policyholder against damages to the insured car due to unanticipated events like accidents, natural disasters, manmade calamities, theft, etc. This policy also provides coverage against third party liabilities arising due to the insured car.
Moreover, a comprehensive car policy can be enhanced by purchasing add-on covers offered by the insurance company at an extra premium.
Future Generali Car Insurance Premium Calculator enables you to calculate the premium for your car when you need to buy or renew your policy. This tool is quite helpful since once you calculate car insurance premium, you get an idea about how much you will need to spend on your motor insurance.
An NCB Protect cover allows a policyholder to protect his/her No Claim Bonus even if a claim has been filed with the insurance company.
Usually, the NCB gets nullified as soon as the policyholder raises a claim, but with this add-on, it will stay intact even if the claim has been made.
The Consumables cover provides coverage against the repair or replacement of consumable parts.
These parts include bolts, nuts, screws, oil, etc., of the insured car.
Under an Engine Protect cover, the policyholder will be compensated against any damage
sustained by the engine and gearbox of the insured car due to water ingression or leakage of oil.
This add-on cover will provide basic roadside assistance service in case the insured car stops somewhere on the road.
The insurer will provide compensation for towing, minor repairs, battery breakdowns, etc.
Under the Loss of Personal Belongings add-on cover if personal belongings in the vehicle are lost.
The compensation offered under this add-on will be up to Rs. 50,000.
Usually, any damage to the tyre of the insured vehicle is not covered under comprehensive coverage.
Under tyre damage cover, the policyholder will be compensated for the repair or replacement of the tyres and tubes of the insured car.
Any depreciation borne by the insured car is not covered under four-wheeler insurance.
A zero depreciation cover protects the customer against the depreciating value of the car parts and ensures that he/ she gets the full claim amount.
Under the loss of keys cover, the owner is insured against the loss or theft of keys of the insured vehicle.
The cost incurred by the policyholder towards replacing car keys, locks and locksmith charges is compensated by the insurer.
The insurance company will pay for the loss or damage of personal belongings of the policyholder, such as clothes, laptops, etc., during an unanticipated incident such as a road accident of the insured car.
For each claim under the personal belongings add-on cover, the policyholder will have to pay an amount of Rs. 250.
The inconvenience allowance cover entitles the policyholder to a daily allowance of Rs. 3,000 for 15 days in case the car is getting repaired at a network garage.
This add-on is not applicable for any total loss, constructive total loss or theft claims.
Future Generali car insurance renewal online can be easily done from Policybazaar.com. Follow these steps to renew your Future Generali vehicle insurance online:
Filling a claim under Future Generali car insurance is simple and quick. Follow these steps to file a Future Generali motor insurance claim:
Contact the Insurer
Contact Future Generali India Insurance Company to intimate them about the accident.
Once you have intimated the insurance company, they will send a surveyor to inspect the damages sustained by the vehicle.
The surveyor will require some documents for registering a claim. Make sure to keep all the relevant documents with you.
In case of a cashless claim, the insurance company will directly pay the approved claim amount to the network garage. For reimbursement claims, the compensation will be paid to you by the insurance company.
The documents required to file a claim under Future Generali vehicle insurance are mentioned below:
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