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Future Generali Standalone Own Damage Car Insurance
Future Generali Standalone Own Damage Car Insurance is a policy that protects only your car from accidental or unexpected damage. It does not cover third-party liabilities; it only covers losses to your own vehicle. This plan is ideal if you already have a third-party policy and want extra protection for your car.
Anyone who already has a valid third-party insurance but wants their own car to be protected from costly repairs or total loss.
Key Features of Future Generali Standalone Own Damage Car Insurance
Here are the Key Features of Future Generali Standalone Own Damage Car Insurance written clearly:
- 01
Covers Damage to Your Car
Protects your vehicle from losses due to accidents, collisions, or impacts.
- 02
Protection Against Theft
Offers coverage if your car is stolen or becomes a total loss.
- 03
Covers Natural Disasters
Provides financial safety from damages caused by floods, storms, cyclones, earthquakes, and other natural calamities.
- 04
Covers Man-Made Incidents
Protects your car from fire, riots, vandalism, or malicious acts.
- 05
Personal Accident Cover
Includes coverage for the owner-driver for injuries or accidental death (as per policy terms).
- 06
Choice of Add-Ons
Allows you to enhance your protection with add-ons like Zero Depreciation, Engine Protector, Return to Invoice, and more.
- 07
Repair Support at Network Garages
Access to a wide network of cashless garages for convenient and quick repairs.
- 08
Easy Online Purchase & Renewal
You can buy or renew the OD policy in a few simple steps online.
Motor Insurance Plans By Future Generali
Inclusion and Exclusions of Future Generali Standalone Own Damage Car Insurance
What it Covers
- Future Generali’s Standalone Own Damage policy protects your car from several kinds of losses. Here are the main inclusions:
Accidental Damage
Covers repair or replacement costs if your car is damaged in a road accident or collision.
Natural Calamities
Protects your car from floods, storms, fire, lightning, and other natural disasters.
Man-Made Risks
Covers damage caused by riots, vandalism, or malicious acts.
Theft or Burglary
Provides compensation if your car is stolen or permanently lost.
Personal Accident Cover
Offers PA cover for the owner-driver as per IRDAI guidelines.
Damage During Transit
Covers losses when your car is being transported by road, rail, air, or water.
What Does it not Cover
The policy does not cover certain situations, such as:
Driving under the influence of alcohol or drugs
Driving without a valid licence
Third-party injuries or property damage (covered only under TP insurance)
Depreciation without Zero-Dep add-on
Damages outside the geographical limit of India
Mechanical or electrical breakdowns
Losses caused by war, nuclear risks, or similar situations
Benefits of Future Generali Standalone Own Damage Car Insurance
Here are the benefits of the Future Generali standalone car insurance:- Protects your car from accidents, fire, theft, and natural disasters
- Offers useful add-ons like zero depreciation, engine protection, and more
- Provides No Claim Bonus (NCB) for claim-free years.
- Covers damage during transit by road, rail, air, or water
- Protects against riots, vandalism, and malicious acts
- Pays the insured declared value (IDV) in case of total loss or theft
- Gives you financial peace of mind by covering major repair or replacement costs
FAQs
It is a policy that covers damage to your own car due to accidents, theft, fire, natural disasters, or vandalism. It does not cover third-party liabilities.
Yes. Own Damage insurance must be purchased along with a separate third-party insurance, as it is mandatory by law.
It covers accident damage, theft, fire, riots, floods, storms, and other natural or man-made disasters.
It does not cover third-party damage, driving without a license, drunk driving, mechanical breakdowns, or normal wear and tear.
Yes. You can add optional add-ons like Zero Depreciation, Engine Protector, Roadside Assistance, and more for extra protection.
Yes. You earn an NCB every year you do not make a claim, which reduces your premium during renewal.