Most Trusted Car Insurance
Generali Central Car Insurance
A Generali Central car insurance policy aims at protecting a policyholder against damages sustained by the insured car due to incidents like accidents, theft, fire, natural calamities and more. The insurance company makes it easy for its policyholders to avail cashless repairs, financial support and a host of other beneficial services under their motor insurance policy.
About Generali Central India Insurance Company
Generali Central Insurance Company Limited (formerly known as Future Generali India Insurance Company Limited) is a joint venture between the Generali Group and the Central Bank of India. The 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 vehicle owners to opt for enhanced coverage for their cars.
Key features of Generali Central Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs.15 Lakh
Network Garages
3,500+
No Claim Bonus
Yes
No. of Zero Dep Claims
Unlimited
No. of Comprehensive Claims
Unlimited
Benefits of Generali Central Car Insurance
Generali Central car insurance policies have various benefits that are discussed below:
Buyer can instantly buy motor insurance with the minimum amount of effort, time, and documentation.
The insurance provider also offers 24*7 claims assistance service to its policyholders.
The insurance company also offers Personal Accident Cover of Rs. 15 Lakh to its policyholders.
If the customer is a member of a recognised automobile association within the country, then he/she is eligible to receive discounts on their premium amount.
A discount is offered on car insurance premiums for installing anti-theft devices as well as for opting for voluntary deductibles.
Types of Generali Central Car Insurance Policy
Generali Central Motor Insurance offers three major types of motor insurance policy:
Third-Party Liability Car Insurance
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.
Standalone Own Damage Cover
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 Generali Central car insurance can be purchased with a third-party liability policy to cover the insured car as well.
Comprehensive Car Insurance
Comprehensive or Private car package policy by Generali Central 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.
Covered/Not covered Under Generali Central Car Insurance
What is Covered?
Manmade Calamities
When there is loss or damage to the car due to malicious acts, riots, terrorist activity, strikes, etc.
In-transit Damages
Any damage while the car is in transit by road, elevator, inland waterway, rail, or air shall be covered.
Third Party Liability
It gives legal protection against property damage, death and injury claims made by a third party.
Accidental Damage
Loss or damages incurred by accidents or collisions are also included.
Fire
Damages to the insured car due to fire, self-ignition or explosion are covered.
Natural Calamities
Any loss or damage to the car caused by natural calamities such as floods, hailstorms, rockslides or landslides, earthquakes, etc., is covered.
Theft
Generali Central car insurance provides coverage against damages sustained by the insured car due to theft, burglary or housebreaking.
What is not Covered?
Wear and Tear
The general ageing of the car resulting in wear and tear is not covered by the Generali Central car insurance policy.
Outside Geographical Area
The Generali Central motor insurance policies are valid within India only and do not provide coverage for any loss or damages outside the country.
Invalid Driving Licence
The insurance company shall not be liable to accept claims for accidental damage caused by drivers driving without a valid licence.
Drunk Driving
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.
Breakdown
Any expense arising out of a mechanical or electrical breakdown of the car will not be covered.
War
The insurance company will not cover damages arising out of civil war or nuclear perils.
Generali Central Car Insurance Add-Ons
NCB Protect Cover
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.
Consumables Cover
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.
Engine Protect Cover
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.
Roadside Assistance Cover
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.
How to Renew a Generali Central Car Insurance Policy?
Generali Central car insurance renewal online can be easily done from Policybazaar.com. Follow these steps to renew your Generali Central vehicle insurance online:
How to File a Claim Under Generali Central Car Insurance?
Filling a claim under Generali Central car insurance is simple and quick. Follow these steps to file a Generali Central motor insurance claim:
Contact the Insurer
Contact Generali Central India Insurance Company to intimate them about the accident.
Inspection
Once you have intimated the insurance company, they will send a surveyor to inspect the damages sustained by the vehicle.
Documents Approval
The surveyor will require some documents for registering a claim. Make sure to keep all the relevant documents with you.
Claim Approved
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.
Documents Required to Raise a Claim Under Generali Central Car Insurance
The documents required to file a claim under Generali Central vehicle insurance are mentioned below:
Car Insurance for Popular Brands in India
FAQs - Generali Central Car Insurance
-
How can I make payments for my Generali Central car insurance premium?
You can pay your Generali Central car insurance premium online using cards, bank auto debit, or cheque deposit. -
How do I check the status of my Generali Central car insurance policy?
You may easily check your policy details online at Generali Central India Insurance Co. Ltd. official website. All you have to do is create a profile and log in to your account. You will have your car insurance policy details listed under your profile. You can also check the status of your car policy from Policybazaar.com if you have purchased a policy from us. -
How long will it take to settle my Generali Central car insurance claim?
The Generali Central Car insurance settles all car insurance claims directly upon submission of all required documents within 7 working days. -
What is the process for cancellation of car insurance by Generali Central car insurance?
To cancel your car insurance from Generali Central India Insurance Company, you can contact your customer care team physically or via phone/email. You can walk into one of the nearest branch offices along with 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 a 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. -
From where should I get my car repaired?
For cashless repair to your cars, you must approach one of the many Generali Central car insurance authorised network garages. You may seek help from the insurer's contact centre or their surveyors to find out more about these workshops. -
What should I do if my car insured under the Generali Central Car insurance policy gets stolen?
Immediately inform the nearest local police station about the theft of your car. A surveyor appointed by Generali Central India Insurance Company will then contact you and subsequently assist you in raising a claim. -
What if someone else was driving my insured car at the time of the accident? Will Generali Central Car Insurance cover my losses?
If your vehicle is insured under the comprehensive car insurance policy or own damages policy and the individual driving the car has a legal driving licence, then the accidental damages shall be covered subject to the terms and conditions. -
How can I get a Generali Central car insurance policy download?
A Generali Central motor insurance policy copy can be downloaded via the insurer's official website or from Policybazaar.com. If you have purchased your policy from us, you can directly login and download a soft copy of your policy from your account.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
