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Generali Central Standalone Own Damage Car Insurance

A Generali Central Standalone own damage car insurance policy compensates a policyholder for any damages sustained by his/her car due to an accident, theft, fire or calamities. This policy by Generali Central Insurance Company Limited (formerly known as Future Generali India Insurance Company Limited) can be purchased along with a third-party liability policy to extend policy coverage to the car's own damages.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Offered
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakh

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Coverage Under Generali Central Standalone Own Damage Car Insurance

Inclusions
Exclusions

Losses to the insured car arising out of fire explosion, lighting or self-ignition
Damages sustained by the insured car due to burglary, housebreaking or theft
Any damage caused due to riots or strikes
Damages caused due to natural calamities like earthquakes, floods, typhoons, storms, etc
Damages arising out of external means such as a road accident
Claims can also be raised for damages whilst the vehicle was in transit by road, rail, waterway or air.

Any consequential loss will not be covered in the own damage policy
Cost of depreciation, general wear and tear
Mechanical or electrical breakdowns, failures or breakages
Damages sustained by the insured car when the driver was under the influence of alcohol
Damages caused to the vehicle when the driver was not driving without a driving license
Any third-party damage such as third-party property damage, death or injury to the third party.

Add-ons Under Generali Central Standalone Own Damage Car Insurance

The coverage of a Generali Central OD cover can be enhanced by purchasing additional covers at an extra premium. These add-ons include:

Zero depreciation Cover
Key Protect Cover
Tyre Damage Cover
NCB Protect Cover
Return to Invoice Cover
Inconvenience Allowance
Roadside Assistance Cover
Engine Protector

How to Buy Generali Central Standalone Own Damage Car Insurance Policy?

A Generali Central own damage policy can be purchased online by following some easy steps. Take a look:

Visit Policybazaar.com and select the 'Car Insurance' page from the homepage
On the next form, enter your car number
Select the details of your car such as make, model, variant, RTO and registration year
Fill in the registration form with basic details and proceed
You will now find multiple own damage motor insurance plans from different insurers. Choose Generali Central OD car insurance plan from the list
From the add-ons and accessories dropdown, select the add-ons you wish to purchase
Now pay the final premium amount via desired payment mode
Once you have paid the premium, your Generali Central OD insurance papers will be mailed to you.

Documents Required to Raise a Generali Central Standalone Own Damage Claim

You can file a claim against your Generali Central car insurance by informing the insurer about the damages sustained by your car. Here are the documents you will need for the same:

Claim form duly filled and signed
Car insurance papers
Copy of vehicle's Registration Certificate
Copy of driver's driving license
Copy of Police FIR
KYC
Bills or repair
Estimates of repair

FAQs

Q1. What factors affect the premium of Generali Central standalone car insurance?
Ans: The following factors are taken into consideration to calculate the premium of a Generali Central own damage car insurance policy:
- Make and model of the car
- Anti-theft device installed in the car
- No Claim Bonus
- Insured Declared Value (IDV)
- Additional Covers
- Deductibles
Q2. Will I get a Personal Accident cover with my Generali Central OD cover?

Ans: A PA cover is not offered with Generali Central own damage car insurance. However, a policyholder can purchase this cover along with his/her policy by paying an extra premium.
Q3. How can I know my Generali Central policy status?

Ans: To know the status of a Generali Central OD car insurance, you can log in to your 'Account' from Policybazaar.com and check the status of your policy. If you have purchased your OD cover from the insurer's website, you can contact their customer support and ask for the status of your car policy.
Q4. Will my OD car insurance cover third party liabilities?

Ans: No, your own damage car insurance policy will not cover third-party liabilities. This policy can be purchased along with your third-party policy to increase the coverage of any own damage sustained by the insured car.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in