Future Generali Car Insurance

Car insurance policies by Future Generali India Insurance Company aim at protecting a policyholder against damages sustained by the insured car due to incidents like accident, theft, fire, natural calamities and more. The company makes it easy for its policyholders to avail cashless repairs, financial support and a host of other beneficial services under their car insurance policy.

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Third-party rates expected to increase* soon. Renew today!

Save upto 85%* on Car Insurance

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Plans starting @₹ 2072

* TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.
Top Plans
Cashless Garages
3194
Plan type
Comprehensive
Starting from
₹ 3,225
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Claim Advantage
Free Pick-up & Drop
Cashless Claims or 48-Hour Reimburs...
6-Month Repair Warranty
Cashless Garages
3194
Plan type
Third Party
Starting from
₹ 2,072
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Claim Advantage
Covers damages to third party property
Covers damages to third party person

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

About Future Generali India Insurance Company

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 car insurance policies also offer various add-ons to allow the customer to opt for extra coverage for his/her car.

Key Features of Future Generali Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 66.13%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 5358
No Claim Bonus Yes

Benefits of Future Generali Car Insurance

Future Generali car insurance policies have various features and benefits that are discussed below:

  • Future Generali car insurance is provided to the buyer instantaneously with the minimum amount of effort and time, and with minimal documentation.
  • The company has a chain of 5354 plus workshops and garages where cashless claim settlement is available.
  • The car insurance from Future Generali motor insurance offers claims assistance service to policyholders 24x7.
  • The company provides timely reminders at no extra cost to the customers for the policy to be renewed.
  • Add-on covers under the Future Generali car insurance policy can be opted for by a policyholder to avail enhanced coverage for his/her car.
  • The insurance company also offers Personal Accident Cover to its policyholders.
  • If the customer is a member of a recognized 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 Future Generali Car Insurance Policy

Future Generali car insurance offers three major types of motor insurance policy:

1. Third-Party Liability Car Insurance

A third party liability motor 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.

2. Standalone Own Damage Cover

Under the Standalone Own Damage motor 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 can be purchased with a third party liability policy to cover the insured car as well.

3. Comprehensive Car Insurance

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.

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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 buy or renew your policy. This tool is quite helpful since once you calculate the car insurance premium, you get an idea about how much you will need to spend on your motor insurance.

Coverage Under Cholamandalam Car Insurance

  • Manmade Calamities: When there is loss or damage to the car due to malicious acts, riots, terrorist activity, strikes, etc. are included
  • 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 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: Future Generali car insurance provides coverage against damages sustained by the insured car due to theft, burglary or housebreaking.
  • Wear and Tear: The general ageing of the car resulting in wear and tear is not covered by the car insurance policy by the company.
  • Outside Geographical Area: The Future Generali motor insurance policies are valid within India only and does provide coverage for any loss or damages outside the country.
  • Invalid Driving License: The insurance company shall not be liable to accept claims for accidental damage caused by drivers driving without a valid license.
  • 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.

Future Generali Car Insurance: Add-ons

Future Generali car insurance also offers add-on covers that a policyholder can opt for along with the base policy to enhance the coverage provided to his/her car. Take a look at these add-on covers below:

  • 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 repair or replacement of consumable parts, such as 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 breakdown, etc.

  • Loss of Personal Belongings

    Under the Loss of Personal Belongings add-on cover, if personal belongings in the vehicle are lost, the customer is provided compensation for up to Rs. 50,000.

  • Tyre Damage Cover

    Under Tyre Damage cover, the policyholder will be compensated for the repair or replacement of the tyres and tubes of the insured car.

  • Zero Depreciation Cover

    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.

  • Loss of Keys Cover

    Under the Loss of Keys cover, the owner is insured against the loss or theft of keys of the insured vehicle. The compensation amounts to a maximum of Rs. 50,000.

  • Inconvenience Allowance

    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.

How to File a Claim Under Future Generali Car Insurance?

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: Fill out the online form or contact Future Generali 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.

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Documents Required to Raise a Claim Under Future Generali Car Insurance

The documents required to file a claim under Future Generali vehicle insurance are mentioned below:

  • A copy of the Registration Certificate
  • Claim form
  • A copy of the Driving License (DL)
  • Repair estimates
  • Photographs
  • Survey Report
  • Survey fee bills
  • Re-inspection Report or Supplementary Report
  • Invoice for repairs and cashless payment receipt

How to Renew a Future Generali Car Insurance Policy?

Future Generali car insurance renewal online can be easily done from Policybazaar.com. Follow these steps to renew your Future Generali car insurance online:

  1. Visit the ‘Car Insurance’ page from the ‘Insurance Product’ dropdown on Policybazaar.com
  2. On the renewal form, mention your car number and view quotes.
  3. Fill in the required details, such as name, email, mobile number
  4. Select the Future Generali vehicle insurance policy to be renewed from the mentioned policies
  5. Select the add-on covers and proceed with payment
  6. Select NCB on your existing car insurance policy
  7. Fill out the proposal form and verify the details
  8. Proceed with Summary and Payment
  9. Make payment using your preferred payment method
  10. After the payment, your Future Generali car insurance renewal will be done.

Your Future Generali car insurance renewal documents will be mailed to you.

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Future Generali Car Insurance Reviews & Ratings

4.5 / 5 (Based on 89 Reviews)
(Showing Newest 10 reviews)
Vanraj
Surat, December 08, 2021
Renewal is easy
Policybazaar took no time to respond to my query. The renewal time of my future General Car policy was approaching and I was not aware of the renewal process so I contacted Policybazaar customer care and an executive briefed me about the whole process and I did the renewal on time.
Kuldeep
Hapur, November 10, 2021
Good facilities
My friend took Future Generali Car Insurance policy from Policybazaar and I really liked the facilities offered under his plan. So I decided to take the same plan for myself. I visited the Policybazaar and insured my car by taking the same plan that my friend had taken.
Dipak
Ranchi, August 26, 2021
Easy renewal
I took the Future Generali car insurance from Policy bazaar which i bought it offline. recently i renewed my plan as per the team instructions. i did not know about the online process. i contacted customer care and they guided me.
Ayush
Chinchwad, August 25, 2021
Easy to compare
I got my Future Generali car insurance from the website of policy bazaar. At first i contacted Policy Bazaar and they told me that they have online process too so i bought my policy online from home itself. Everything has been very smooth.
Ishan
Patna, August 25, 2021
Supportive team
Policy bazaar provides full support to their customers and always ready to help and guide their customers. A month back, I contacted Policybazaar to know about the renewal process, their team helped me and I did my Future Generali car renewal by myself.
Aditya
Vadodara, August 25, 2021
Add on covers
I have been using Future Generali car insurance for two years which I had taken from the market.I had no idea earlier that we can also customize the plan according to budget and needs. recently i added some extra features in my plan.
Sumantra
Kumbakonam, August 18, 2021
Minimal documentation
Buying future generali car insurance from policy bazaar is too easy. while purchasing policy, i went through the minimal documentation process.there was no any kind of hassle.i bought it easily. thankfully payment method was hassle-free too.
Sonam
Gadat, April 30, 2021
Covers for the damage
My future generali car insurance plan has a good coverage and I bought the plan 3 years back. I added some of the additional covers into my plan. If anything happen to third-party person or property then my insurance company will take care of all this.
Raju
Yavatmal, April 26, 2021
Own damage coverage
I bought the future generali car insurance policy from the policybazaar for my Hyundai Elantra car and it was a wonderful thing for me. I have got the own damage coverage under my plan and that’s the wonderful plan.
Janki
Odagoan, April 23, 2021
Personal accident coverage
I have took a personal accident cover when I bought the future generali car insurance policy from the policybazaar. It is a best coverage for the drivers so that they can get special safety and security. I really like my car plan.