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Future Generali Zero Depreciation Car Insurance
Future Generali Zero Depreciation Car Insurance is an add-on cover that protects you from the depreciation cost of your car parts during a claim. Normally, when you make a claim, the insurer deducts depreciation from the total repair amount. But with this add-on, Future Generali pays the full cost of replaced parts without reducing any amount for depreciation.
In simple words, you get a higher claim amount, lower out-of-pocket expenses, and better financial protection for your car.
Benefits of Future Generali Zero Depreciation Car Insurance
Here is the list of benefits of Future Generali Zero Depreciation car insurance:
- 01
No Depreciation Deduction
You get the full claim amount without any cut for depreciation on replaced parts.
- 02
Higher Claim Value
Your repair bills are reduced because the insurer pays the maximum possible amount.
- 03
Covers Costly Parts
Plastic, rubber, fiber, bumper, and glass parts are fully covered without reducing their value.
- 04
Less Out-of-Pocket Expense
Since depreciation is not charged, you pay very little during repairs.
- 05
Best for New or Premium Cars
Ideal for cars under 3–5 years or models with expensive spare parts.
- 06
Useful for Frequent Repairs
Great for people driving in traffic-heavy or accident-prone areas.
- 07
Better Car Condition
Helps maintain the car’s value, improving its resale price later.
- 08
Value-for-Money Add-On
Comes at an affordable extra premium but gives strong financial protection.
Motor Insurance Plans By Future Generali
Inclusions and Exclusions of Future Generali Zero Depreciation Car Insurance
Here are the inclusions and exclusions of Future Generali zero depreciation car insurance:
What it Covers
Covers the full cost of repairing or replacing car parts without deducting depreciation.
Protects against damage from accidents, collisions, and mishaps.
Covers rubber, plastic, fibre, and metal parts at 100% claim value.
Reduces out-of-pocket expenses during claim settlement.
What Does it not Cover
No cover for mechanical or electrical breakdowns.
Damage due to normal wear and tear is not included.
Losses from drunk driving or driving without a licence are excluded.
Does not cover engine damage unless an extra add-on is taken.
Claims for total loss or theft are not included under zero-dep.
How to Buy Future Generali Zero Depreciation Car Insurance?
Here are the steps to buy a Future Generali Zero Depreciation:Step 1
Visit the Future Generali official website and go to the Motor section.
Step 2
Enter your car details such as registration number, make, model, and year.
Step 3
When the premium quote appears, select the “Zero Depreciation” add-on from the list of extra covers.
Step 4
Review the final premium, including the base policy and the add-on.
Step 5
Pay the premium online through your preferred payment method.
Step 6
Once the payment is completed, you will receive your policy documents (including the zero depreciation cover) in your email.
FAQs
It is an add-on cover that lets you get the full claim amount without deducting depreciation on car parts.
It reduces your repair costs and helps you receive a higher claim amount, especially for expensive parts like plastic, rubber, and fibre.
It is usually offered for new cars or cars up to a few years old. Older cars may not be eligible.
It covers the depreciation amount, but compulsory deductibles and other exclusions may still apply.
No. You can only add Zero Depreciation to a comprehensive or own damage policy.
Most policies allow a limited number of zero-dep claims per year. This limit varies by insurer.
Yes, especially for new, luxury, or expensive cars, or if you drive in accident-prone areas.