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Future Generali Car Insurance
Future Generali India Insurance is a leading general insurance company in India. It was formed as a joint venture between the Future Group and the global Generali Group on October 30th, 2006, and began operations in September 2007. The headquarters is located in Mumbai at the Indiabulls Finance Centre.
Future Generali offers a wide range of insurance products, including car, health, travel, and commercial insurance. It combines Future Group’s strong retail network with Generali’s global expertise to provide reliable, customer-focused insurance solutions.
Key Features of Future Generali Car Insurance
Here are some of the key features of Future Generali Car Insurance:| Key Features | Description |
|---|---|
| Policy Type | Offers Third-Party, Comprehensive, and Own Damage car insurance plans |
| Cashless Network Garages | Access to over 6,500+ cashless garages across India |
| Claim Settlement | 81.54% claim settlement ratio |
| Add-on Covers | Zero Depreciation, Roadside Assistance, Engine Secure, NCB Protection, Return to Invoice, and more |
| No Claim Bonus (NCB) | Started from 20% to 50% discount for claim-free years |
| 24x7 Roadside Assistance | Available anytime in case of an emergency |
| Coverage for Damages | Protects against accidents, theft, fire, natural and man-made disasters |
| Personal Accident Cover | Up to Rs. 15 lakh for owner-driver |
| Customer Support | 24/7 customer assistance available for queries and claims |
Motor Insurance Plans By Future Generali
Benefits of Future Generali Car Insurance
Here are some of the major benefits of Future Generali Car Insurance:
- 01
Financial Protection
Your car insurance helps you pay for repairs if your car gets damaged in an accident, fire, theft, or natural disaster. Without insurance, you would have to pay everything yourself, which can be very costly. It also covers non-accident damages like theft, vandalism, floods, storms, hail, etc.
- 02
Third-Party Liability Cover
If you cause an accident, you may have to pay for the other person’s injuries or vehicle damage. Future Generali covers these costs for you. This saves you from big expenses, legal trouble, and gives you peace of mind.
- 03
Peace of Mind
Car insurance reduces stress while driving. You don’t have to worry about sudden accidents, theft, or repair costs. You stay relaxed knowing that you have financial and legal protection. With benefits like roadside assistance and zero depreciation, your driving experience becomes safer and smoother.
- 04
Legal Protection
In India, having car insurance is compulsory. It protects you from legal problems if you are involved in an accident. If someone files a case against you, your insurance helps cover legal fees, settlements, or judgments. This saves you time, money, and stress.
- 05
Coverage for Medical Expenses
If you or your passengers get injured in an accident, the policy covers hospital bills, surgery, medicines, and other treatments. This helps you avoid heavy medical expenses during a difficult time. Some plans also offer extra coverage for specific injuries or medical conditions.
- 06
Cashless Repairs
Future Generali has many cashless garages where you can get your car repaired without paying any amount. The insurer settles the bill directly with the garage.
- 07
24×7 Roadside Assistance
If your car breaks down, they provide towing, flat tyre help, battery jump-start, fuel delivery, and more. This is very helpful during emergencies.
- 08
No-Claim Bonus (NCB)
If you do not claim for a year, you get a discount on your next premium. This discount increases every year you drive without a claim.
- 09
Useful Add-ons
You can enhance your policy with add-ons like zero depreciation, engine protection, return to invoice, tyre cover, key/lock replacement, consumables cover, and NCB protection. These add-ons help you save more money during claims.
- 10
Easy Online Process
You can buy, renew, or claim your insurance online without any paperwork. It is fast, simple, and convenient.
Inclusions and Exclusions of Future Generali Car Insurance
Understanding the coverage and exclusions in Future Generali Car Insurance helps you make a clear choice. Here is the list for the same:
What it Covers
These are the vehicle issues that Future Generali insurance covers:
Theft of the Vehicle
Natural Disaster Damages
Man-Made Calamity and Fire Damages
Accidental Damages
Transit Damage
Third-Party Liability
Personal Accident Cover
What Does it not Cover
These are the vehicle issues that Future Generali insurance does not cover:
Normal wear and tear of the vehicle
Damage due to war, mutiny, or nuclear risks
Accidents outside the policy’s covered area
Damage when driving without a valid license
Damage when driving under the influence of alcohol or drugs
Available Add-ons in Future Generali Insurance Cover
Future Generali Car Insurance offers many add-ons for extra protection of the motor vehicle. Here is the list of add-ons: Zero Depreciation You get full claim value without reducing it for your car’s age.Key or Lock Replacement We reimburse the cost if your car keys or locks are lost or stolen.Loss of Personal Belongings Covers loss of items like your phone, laptop, or other valuables kept in the car.Tyre Damage Cover Protection against tyre bursts, cuts, punctures, bulges, and accidental damage.NCB Protection You can keep your No-Claim Bonus even after making a claim.Engine Protector Covers repair costs for damage to the engine or gearbox due to an accident.Return to Invoice In case of total loss or theft, we pay the difference between the car’s invoice value and insured value.Inconvenience Allowance A Daily allowance is provided while your car is in the workshop for repairs.Legal Liabilities Covers legal responsibilities for a hired driver, employees traveling in the car, or non-fare-paying passengers.
Documents Required for Buying Future Generali Car Insurance
Here is the list of documents needed before applying for Future Generali car Insurance:Vehicle Registration Certificate (RC)Previous car insurance policy, if any. ID proof including Aadhaar, PAN, Passport, etc.Address proof such as Aadhaar, Driving Licence, Utility Bill, etc.Driving Licence of the owner/driverPassport-size photograph Vehicle details such as engine number, chassis number, make, model, variant, and year.
Steps to Buy Future Generali Car Insurance
From the official website of the Insurer
Step 1 Visit the official Future Generali website and go to the Motor Products section.Step 2 Select the ‘Car’ option to start your purchase.Step 3 Enter basic details like your registration number, car model, and year of manufacture.Step 4 Review the available quotes and choose the one that suits you best.Step 5 Fill out the proposal form with the required information.Step 6 Pay the premium and receive your policy instantly in your inbox.
From Square Insurance
Step 1 Visit the Square Insurance homepage and click on “Car Insurance.”Step 2 Enter your car number or choose “Got a New Car” for a new vehicle.Step 3 Fill in the basic car details, including make, model, variant, fuel type, and registration date.Step 4 Complete the short registration form and proceed.Step 5 View the available Future Generali plans and pick one that suits your budget.Step 6 Add any additional add-ons as needed.Step 7 Make the payment online and receive your policy instantly
FAQs
It is a car insurance policy that protects your vehicle from accidents, theft, fire, and natural disasters. It also covers third-party damages.
You can buy it online through the Future Generali website or through trusted partners like Square Insurance by filling in your car details and making the payment.
You only need your car registration number, previous policy (if renewing), and basic personal details like mobile number and email ID.
They offer Third-Party Insurance, Comprehensive Insurance, and Own-Damage Insurance.
Yes, you can add add-ons like Zero Depreciation, Roadside Assistance, Engine Protector, and more.
Just enter your car number on the website, check the renewal quote, and pay online.
You can file a claim by calling the toll-free number, using the website, or using the mobile app. A surveyor will inspect the car and guide you.