Future Generali Car Insurance

Future Generali General Insurance Co. Ltd. is a JV between Generali Group, a leading Italian company providing financial protection services and Future Group of companies. Generali Group is the biggest insurance provider across Italy and one amongst the most trusted insurance companies in entire Europe. Future Generali commenced operations in September 2007. The insurer offers a plethora of insurance products to its customers across all the segments including all major kinds of insurance that an individual may need. Car Insurance is also one of them. Car insurance policies by Future Generali are offered with various add-ons so as to allow the customer to choose and opt for extra coverage and enhance the scope of coverage provided for his car.

Future Generali Car Insurance Coverage at a Glance

Future Generali Car Insurance Coverage
Third Party Coverage Up to 7.5 lakhs
Personal Accident Up to 2 lakhs
Cashless Garages 900+

Advantage of Buying Future Generali Car Insurance

Future Generali has its sole focus on customer relationships, simplification of the claims process and quality. Today, the organization is a preferred brand for insurance in the country. Car insurance is imperative for car owners as it ensures protection to the policyholder against damages that have been caused to their car or a third-party in event of an accident. Future Generali is a trusted choice in India for buying car insurance policies. The car insurance plan from Future Generali India is apt for those individuals who want a simple and scalable car insurance plan provided by a highly robust private motor insurance company.  The important benefits car Insurance plans provided by Future Generali are mentioned as under:

  • Whether a person is buying new car insurance plans from Future Generali or renewing an old car insurance plan, they will find that it is an easy and stress-free process.
  • Future Generali takes pride in processing and servicing claims in the fastest possible time, with full efficiency and no inconvenience caused to the customer. The policies are issued with the minimal time spent documentation. Since the process is online, the policy issuance is almost instantaneous.
  • A comprehensive car insurance policy is offered by the insurer that covers own damage liability as well as third-party legal liability. There is also a range of covers that are available under the plan, a few of which are free while an additional amount of premium is required for the others.
  • Add-on covers with pre-defined benefits that the policyholders may opt for.
  • Car Insurance from Future Generali India provides a facility of cashless claim settlement, which may be availed at a network of associated garages all across India.
  • Future Generali has a website where a new and existing customer may purchase or renew a car insurance plan, making the whole process quick and easy. The existing or potential customer simply has to log on to the website and click on the ‘motor insurance’ tab; under this the customer will find the category for car insurance plan.
  • Depending on the no. of claim-free years, the policyholder will be entitled to receive a No Claim Bonus of up to 50%. In case the policyholder is transferring his car insurance policy to Future Generali for the first time, then he can be assured that the number of claim-free years that he has accumulated under his previous policy, will be retained by Future Generali.
  • The customer support is available 24x7, so all customer concerns and queries are taken care of expeditiously.
  • Timely and automated reminders are given to the customers so that they never forget to pay their insurance premiums.
  • In case the accident takes place within the city limits, towing services are provided.
  • All claims are resolved within seven working days from the receipt of all concerned documents.

Features and Benefits of Future Generali Car Insurance

Future Generali’s car insurance plans have various features and benefits that are discussed below:

  • Car Insurance from Future Generali India is provided to the buyer instantaneously with the minimum amount of effort and time, and with the minimal documentation. Car insurance plan issuance is practically instantaneous as it is an online process.
  • Future Generali Insurance has a certified chain of 900 plus workshops and garages where there is the facility of cashless claim settlement available.
  • The car insurance from Future Generali India offers claims assistance service to policyholders on each day of the week for all the 24 hours. The claim assistance is provided by a highly trained and specialized team of customer care executives
  • Applying for car insurance has never been easier with online application for the same. With just a few clicks, a customer can purchase a Future Generali car insurance policy online, with no need to submit documents or for verifications
  • The Future Generali general insurance company provides timely reminders at no extra cost to the customer for his or her policy to be renewed
  • Add-on covers under the car insurance policy that can be opted for by a policyholder in order to avail enhanced coverage for his car under the insurance plan.

Coverage under Future Generali Car Insurance

Let us take a more in-depth look at the benefits and feature offered by a car Insurance policy from Future Generali India:

  • The car insurance plans from Future Generali India provide coverage against any loss or damage to the car due to calamities caused by nature such as fire, explosion, self-ignition, flood, hailstorm, rockslide or landslide, earthquake, inundation, typhoon, cyclone, flood, tempest, storm, and hurricane.
  • When there is loss or damage to the car due to malicious act, theft, burglary, riot, terrorist activity, strike, accident by external means.
  • Any damage while the car is in transit whether by road, elevator, inland waterway, rail, or air shall be covered.
  • An additional Personal Accident Cover for the driver or owner of the car when he or she is driving the vehicle. This cover ensures a sum of Rs.
  • 1 Lac in event of death or permanent total disability. You can also get Personal Accident cover for both named and unnamed passengers and the maximum limit is INR 2 lakhs per individual.
  • An inbuilt third-party liability cover gives legal protection against death and injury claims made by a third party. There is legal protection coverage if damage has been caused to the surroundings including the passengers travelling in the car.
  • Car Insurance coverage from Future Generali India may also include the following additional legal liabilities by paying an additional premium:
    1. Conductor, paid driver, or cleaner employed with respect to the operation of the car.
    2. Employees travelling in or driving the insured car, other than the paid driver.
    3. Passengers who do not pay the fare.

Add-on Covers Offered under Future Generali Car Insurance

Future Generali car insurance has two options for car insurance plans, one is Future Express and the other is Future Express+. Future Express is ideal for those customers whose priority is on repair service, customized service, and reduced costs. Future Express+ is for those customers who place emphasis on instant loss assessment, claim finalization, as well as the option of choosing the workshop of their choice for the repairing of the vehicles. Apart from Future Express and Future Express+, Future Generali has add-on covers with pre-defined benefits that policyholders may opt for along with their basic car insurance plans. These are as follows:

  • Silver - that offers IDV, Depreciation Cap and consumables add-on covers
  • Gold - that offers the same covers as with Silver, plus, Personal Accident cover, Loss of Personal Belongings cover and Loss of keys add-on cover.
  • Platinum - Along with the above-mentioned covers, Platinum offers Inconvenience Allowance cover and Personal Liability cover.

Explanation of the Add-on Covers Available under Future Generali Car Insurance (Future Motor Secure)

By paying a little extra premium, a policyholder can opt for the add-on covers along with the base plan so as to enhance the scope of coverage provided to his car. Given below are the 5 add-ons offered by a car insurance policy from Future Generali India:

  • A depreciation cover protects the customer against the depreciating value of the vehicular parts and ensures that he or she gets the full amount that is claimed.
  • There is an IDV cover where a customer gets access to IDV that is insured value + registration + road tax + insurance.
  • The customer may purchase a personal accident cover for his or her passengers. This coverage under Future Generali Car Insurance goes up to Rs. 2 Lacs per individual in event of death or permanent total dismemberment.
  • A personal accident add-on cover may be purchased where the coverage is up to Rs. 50 Lacs to the registered owner of the vehicle.
  • There is a Loss of keys cover where the owner is insured against the loss of keys of their own vehicle. The compensation amounts to Rs. 50,000.
  • There is a cover that gives coverage for the medical expenses of the driver and any passenger in the car.
  • An Inconvenience Allowance cover may be purchased where if the car breaks down, the customer will not have to worry about transportation as this cover entitles them to a daily allowance of Rs. 3,000 for 15 days.
  • A Personal Liability cover may be purchased where coverage of Rs. 5 Lacs is provided for the registered owners.
  • There is an add-on cover for the Loss of Personal Belongings, where if personal belongings in the vehicle are lost, the customer is provided compensation for up to Rs. 50,000.

Additional Features Provided by Future Generali Car Insurance

  • A discount is offered on car insurance premiums for installing anti-theft devices as well as for opting voluntary deductibles.
  • A No Claim Bonus of up to 50% is given on Future Generali car insurance renewal.
  • There is a network of workshops associated with Future Generali Insurance Company, where the claims can be processed through cashless settlements.
  • If the customer is a member of a recognized automobile association within the country, then they are eligible to receive discounts on their premium amount.
  • Car Insurance Policies by Future Generali India have fixed the IDV (Insured Declared Value) of the car as follows:
    1. Up to six months, it is 5%
    2. 6 months - 1 year, it is 15%
    3. 1 - 2 years, it is 20%
    4. 2 - 3 years, it is 30%
    5. 3 - 4 years, it is 40%
    6. 4 - 5 years, it is 50%

Exclusions under Future Generali Car Insurance

  • The general aging of the car resulting in wear and tear is not covered by the car insurance policy by Future Generali.
  • The car insurance plans by Future Generali are valid within India only; they are not valid for the use of the car outside of the country.
  • If the insured car is being driven by an individual who does not have a driving license, it is recognized as a cognizable offense. Hence, the insurer shall not be liable to accept or process claims for accidental damage that is caused by drivers without a valid license at the time of the accident.
  • The Future Generali General Insurance urges its car insurance policyholders to never drive under the influence of drugs, alcohol, or any other intoxicants. Therefore, if any accidental damages occur while the driver of the car is under the influence of intoxicants, the company shall not entertain any claims for the same.
  • Car insurance plans by Future Generali cover damages to the car that have been caused by an accident only and any expense arising out of a mechanical or electrical breakdown will not be covered.
  • In case of loss or damage to the car because of radioactive contamination or nuclear fission, the insurer is not entitled to cover it.

How to Apply for Future Generali Car Insurance Policy?

Interested applicants can apply for a car insurance policy from Future Generali by applying to through various channels like:

  • Individuals interested in buying car insurance policies from Future Generali can log in to the insurer’s website and receive a quote. They can also purchase the best car insurance policy online at broker websites like Policybazaar.com.
  • Individuals looking to buy any plan can call up the Sales helpline number and speak to a customer service representative.
  • Interested applicants may write directly to the company at fgcare[at]futuregenerali[dot]in  
  • They can chat online with a customer service representative from Monday to Friday from 9 AM to 6 PM.
  • They can also request a call back from company by leaving their name, email ID and mobile number on the Future Generali website.
  • Interested applicants may simply walk into a branch of Future Generali insurance and speak to an agent about the car insurance plans offered.

Cashless Garages in Future Generali Car Insurance

Future Genarali Company offers a wide network of cashless garages across the country. With over 1000+ authorized network of cashless garages, Future Generali Company makes it easy for its policyholders to avail cashless repairs, maintenance and a host of other beneficial services provided under a car insurance policy.

Future Generali Car Insurance Premium Calculator

Future Generali Car Insurance Premium Calculator enables you to calculate the premium for your car when you need to renew it. To begin, provide the details of your car along with some personal details of yours. This tool is quite helpful since once you calculate the car insurance premium, you an idea about how much you will need to spend on your car insurance.

Future Generali Car Insurance Renewal and Online Purchase

Purchasing car insurance online by Future Generali is very simple. A link for the same is permanently provided on every page on the website. It takes one to a landing page where one has to fill in personal contact details so that a Future Generali representative can contact to explain the product details and proceed with the purchase process.

Similarly, Future Generali car insurance renewal online is possible from any page on the website. One has to enter the car insurance policy number to proceed with the Future Generali car insurance renewal process. In fact, one can even renew one’s existing car insurance from another insurance company from an option available under the Future Generali car insurance renewal section.

Future Generali Car Insurance - FAQs

  • Q: How can I make payments for my car insurance premium?

    Ans: There are three payment modes available to you: You can choose to get the premium payment debited automatically from your bank account. For this, you’ll need to sign a mandate at the time of buying the Future Generali policy.
    • Cash/Cheque Deposit: You may choose to deposit your Future Generali premium payment through cheque or cash.
    • Direct Online Payment: You may even choose to make a direct online payment for your car Insurance from Future Generali.
  • Q: How do I check the status of my car insurance policy?

    Ans: You may easily check your policy details online at Future Generali Company’s official website. Create a profile and login to your car insurance account. You will your car insurance policy details listed under your profile.
  • Q: How can I renew my car insurance policy?

    Ans: Visit Future Generali Company’s website and login to your insurance account to instantly renew your car insurance policy online. Alternatively, you may choose to deposit cash before the due date to renew your car insurance policy.
  • Q: How to settle Future Generali Car insurance claim?

    Ans: The Future Generali Company settles all the car insurance claims directly upon submission of all required documents with 7 working days.
  • Q: What is the process for cancellation of car insurance by Future Generali?

    Ans: In order to cancel your car Insurance from Future Generali, you can walk into one of the nearest branch offices. You’ll need to carry your car insurance policy documents and a duly filled surrender form to get your policy cancelled. It, typically, takes 5 business days for the cancellation to be processed and refund to be made. After the policy is cancelled, a letter intimating the cancellation of the policy is sent to you at your registered address.
  • Q: From where should I get my car repaired?

    Ans: For cashless repair to your cars, subject to your policy rules and regulations, you may approach one of the many Future Generali Convenient Workshops. You may seek help from the insurer’s Contact Centre or their surveyors to find out more about Future Generali Convenient Workshops.
  • Q: What should I do if my car insured under Future Generali Insurance policy gets stolen?

    Ans: Immediately inform the nearest local police station about the theft of your policy. A surveyor appointed by Future Generali Car Insurance Company will, then, contact you and subsequently assist you further to claim car insurance.
  • Q: From where can I get a claim form?

    Ans: you may find a copy of the claim form in the kit received at the time of purchase of the policy. In addition, you may also get claims form from one of the Future Generali’s representatives or from one of the nearest Future Generali Convenient Workshops. Alternatively, you may download the car Insurance claim form directly from Future Generali Company’s official website.
  • Q: What if someone else was driving my insured car at the time of the accident? Will Future Generali Car Insurance Cover for my losses?

    Ans: If your vehicle is insured under the comprehensive car insurance plan offered by Future Generali and the individual driving the car has a legal driving license, then the accidental damages shall be covered under the Future Generali Insurance Policy subject to the terms and conditions as specified in the policy documents.
  • Q: What are the documents required to file car insurance claim offered by Future Generali?

    Ans: Here is a list of all the documents you need to file claims car Insurance by Future Generali. The list presented here is indicative in its nature and extra documents may also be required, based on the claim’s nature.

    For Own Damage Claims:

    • Claim Intimation
    • A copy of the Certificate of Insurance-cum-Policy Schedule
    • Claim Form
    • A copy of Registration Certificate (RC) Book
    • A copy of Driving License (DL)
    • Estimate
    • Photographs
    • Survey Report
    • Survey Fee Bills
    • Re-inspection Report or Supplementary Report
    • Invoice for repairs and cashless payment receipt

    Addition Documents Required for Vehicles Used for Commercial Purpose:

    • Fitness Certificate
    • Copy of First Information Report (FIR)
    • Permit
    • Load Challan

    Theft Claims:

    • Claim Intimation
    • Original Policy
    • Claim Form
    • Registration Certificate (RC)
    • First Information Report (FIR)
    • Key set
    • Tax Receipt/Sales invoice
    • Report submitted to Regional Transport Office (RTO) intimating the theft of the vehicle
    • Final Report
    • Transfer Papers
    • Indemnity Bond
    • Subrogation Letter

    Third-Party Claims:

    • Duly signed claim form
    • Copy of the Certificate of Insurance cum Policy Schedule
    • Driver’s Driving License copy (original)
    • First Information Report (FIR)
    • Notice from honorable Court
    • Registration Certificate (RC) copy and other documents (with originals)

    NEFT Payment:

    • Cancelled Cheque for NEFT Payment

    Anti-Money Laundering (AML) Documents - for claims above Rs. 1 lakh:

    Photo Identity Proof

    • Passport Size Photo (individual) - Mandatory
    • PAN Card - Mandatory
    • Passport / Driving License / Voter ID Card

    Proof of Address (last 6 months)

    • Telephone Bill / Electricity Bill / Bank Statement / Ration Card
    • Memorandum of Understanding/Registration of Company – for Registered Company / Firm / Establishment

    You may submit car insurance claims online at Future Generali Insurance website or at one of the nearest branches. Alternatively, you may email the claim form to the company.

Written By: PolicyBazaar - Updated: 22 September 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 53 Reviews)
Future Generali Car Insurance Reviews & Ratings
4.5 / 5 (Based on 53 Reviews)
(Showing Newest 15 reviews)
Krisha
Kadana, June 19, 2020
Easy to compare and buy
I found the website of policybazaar very useful as I can compare all the car insurance plans. After comparing the plans I can check that which one is suitable for me and my car according to the premium prices, features and add on benefits. I have suggested to my circles to get the car insurance one must visit to the policybazaar and I got my insurance of future generali. Thanks team.
Kashvi
Kadamtala, June 19, 2020
Different riders available
I opted for a future generali car insurance policy. It is a good plan which I found in the website of the policybazaar. Along with the plan I got my rider benefits under the same. There are certain riders related to your needs which you can opt so that you can secure your and your car’s better protection. Thanks team.
Urvashi
K.v.rangareddy, June 19, 2020
Zero paper work
I recently opted for the car insurance policy after checking some of the quotes and policy plans in the website of the policybazaar. It is really great that you get the best plans for your car policy by sitting at home. I have checked everything and all the process took place online. No paper were required. All documents were submitted via email.
Dinesh
Jagdalpur, June 19, 2020
Best car insurance policy
Now I am tension free as I have got my car insurance policy from policybazaar and future generali car insurance policy. It is a great way to secure your car and the personal safety for your health too. The premium price is very much less and I got a better offer for my car insurance policy. I have suggested these plans to my friends and family too. Thanks a lot team policybazaar and future generali for such great assistance.
Larisa
Jagadhri, June 19, 2020
Claim settled in 7 days
I didn’t knew that my claim would be settled in 5-6 days. It was really quick and I didn’t faced any kind of trouble related to the same. So, my car met with an accident and after that I called the customer care of future generali for the assistance. They investigated on the whole matter. Also, made up an inspection video. After that my car was sent to the nearest network garage for the repair and damage treatment. In 1 week my car was repaired and I got my claim amount into my bank account. Thanks team future generali.
Dharmesh
Jagadhri, June 19, 2020
Better facilities
It is good to know that the insurance provider which you have chosen is the best one. I really like the services which have been provided to me by the future generali insurance company. I secured my car under the same. I got various kinds of facilities and customer care assistance from them which proves that the company is really good for their customers. Thank you team for such support.
Kaia
Jadcherla, June 19, 2020
Check the policy status
It is really easy to check the status of the policy online. So, I purchased the car insurance policy from Future generali and I was checking for my policy status. And I visited to the website of future generali and checked it. There is no need to call the customer care at all. The online information is great and you can get to know each and everything at immediate basis.
Mehar
Iddappadi, June 19, 2020
Happy Customer
I am one of the happy customers of Future Generali. Not that I had to take any assistance or raise a claim but, these people knew it well that at what percentage the NCB needs to be carried forward. The renewal process is one the easiest I've seen so far. Thank you Policybazaar for helping me to choose the right one.
Mohan
Jagadhri, June 19, 2020
Easy payment policy
The payment process of the car insurance policy is very much easy. I took a car insurance plan 3 years back from policybazaar of Future generali. I made the payment online via net banking. It was very much swift and transparent in nature. You can choose other options also like paytm or google pay or via cheque payment too. I made a choice of online payment as I found it quite best.
Harish
Waidhan, June 18, 2020
Buy online and save more
I know traditional buying has become the out-dated one and the digital world has come up with certain good innovations. I bought my car insurance policy online from the portal of policybazaar. And they are just a call away to support me and guide me for the best car insurance policy. They gave me the plan of future generali car insurance policy. A good featured plan and I am much satisfied. Thanks team for such great offers.
Dharmesh
Sadra, June 18, 2020
Natural Calamities Assistance
There are very few insurers who help us in claims from natural calamities and Future Generali is one of them. They understand that this is something that is in nobody’s controlled, but why let their customers suffer for that. Thank you Policybazaar for helping me choose the best.
Dinesh
Talcher, June 18, 2020
Social Media Assistance
Social Media assistance is one of the best ways to reach out to any of the brands or organizations. And Future Generali has a reputation to be one of the best in that. All you need is just a message to them with your details, and the very next moment you’ll be connected to their support team. Policybazaar knows, what’s the best.
Emir
Rabanaguda, June 18, 2020
On-Road Assistance
I had an accident on Mumbai-Pune expressway in the middle of a night. I was literally clueless about what to do and whom to ask for help, But thanks to Future Generali, they were just a call away. Within half an hour, they located me & everything further was taken care of by them, all I had to do was submitting some asked documents. Thank you Policybazaar, it was you who helped me in choosing the right one.
Rishab
Farookhabad, June 18, 2020
Customer Support
Future Generali is the best choice I made to have insurance for my car. I must thank Policybazaar for suggesting to me an insurer who is 24x7 available to assist you. Their customer support team is well trained & has been equipped with all the required information. All you need to do is, send an SMS on their given number & even before you keep your phone down, you'll be connected with a customer care advisor.
Divesh
Radhanpur, June 18, 2020
Claim facilities
I never knew that having car insurance from Future Generali will make my life so easy to raise a claim. It only took a tap on my phone, uploading a few pictures from the accident spot & just a phone call. Thank you Policybazaar for helping & suggesting the right insurer for my car. Because of you guys, I can rest assured.
Vinay
Farukhnagar, June 18, 2020
No claim bonus
I collected my no claim bonus certificate from the future generali. As, the policybazaar team suggested me that if I have not availed for any claim during last year of policy period then I can claim for no claim bonus certificate as it can be much more beneficial for me. It can be helpful at the time of future claims.
Vinit
Fakirsahi, June 18, 2020
Discounts are offered
I wanted to share my experience regarding the car insurance policy which I bought from future generali insurance provider. The provider is very nice and I got it done with the help of Policybazaar. Here I got a huge amount of discount too. As I have already implemented anti-theft device into my car and for that you can avail a good discount. Efficient work of both the companies.
Urvashi
Farenda, June 17, 2020
Helps at the time of damage/loss
I am really much delighted to share my review on the policybazaar and future generali that they have really helped me at such an odd time. My car got missing and they helped me in getting the claim for the same. I was thinking that it would take many days or months too. But no, my claim was settled in less than 4 days. It was very quick and hassle free. Thanks team for such great support.
John
Captainganj, June 17, 2020
Add on covers to be added
I recently took a car insurance policy from the Policybazaar.com as it is a nice company and I have heard a lot from many people regarding the same. There, the team shared a plan of future generali and I really like its features along with the add on benefits. You can check the website and there you can find the best add on covers too. Thanks team for great plans and services.
Tarun
B.khajuripada, June 17, 2020
Cashless claim facilities
One of the best thing and feature about Future generali is that you can have the cashless claim feature at the network garages which are been associated with the future generali insurance provider. The work will be done easily and on online basis. No problem occurred at my time as my insurance provider was always there to assist and guide me. Thanks a lot team policybazaar and future generali.
Harish
Nabapally, June 17, 2020
Renew it in a pro way
I recently renewed my car insurance policy from Policybazaar. I really like the policy which I was using from last 2 years. Now, it was the time of renewal. So, I opened my mobile application of policybazaar and logged in my details into the same. After doing so I got to know more about add on benefits related to the same. I renewed my policy of future generali only as I like their working type. Thanks a lot team for such great work and assistance.
Armaan
B.khajuripada, June 17, 2020
Various options available
I was checking for some car insurance plans and policies for the my car. And it was really much needed. So, surfing through the websites I came across the policybazaar website. It is very nice website where I got to know about different insurance providers at one particular place. You can compare all kind of plans over there and can choose the best. I opted for the future generali car insurance plan as it was under my budget.
Anay
Hagaribommanahalli, June 17, 2020
Low premium rates policy
I really like the website of Policybazaar and that’s why I choose that because you can get the best term insurance plans for your car. Also, you can get the great benefits under the same. It is really to get the policy done from policybazaar. I got the future generali policy plan. The premium rates of all the plans available at the website are quite affordable. Choose the best.
Dinesh
J. P. Nagar, June 17, 2020
Helps in the monetary loss
My car insurance policy helps me in maintaining the monetary losses at the time of the accident. So, recently my car met with an accident and I call the customer care team of future generali and policybazaar. They really helped me settling my claim and helps in maintaining all the monetary losses which happened during the time of the accident. Thanks team for full support and assistance.
Aman
Kalimela, October 21, 2016
Motor Insurance
Just got car insurance policy for my new car from future generali general insurance company. Services are really very fast which is facilitated by the executives and the team members of the insurance company.