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Car Insurance by Future Generali offers tons of benefits such as fast and hassle-free claim settlement process, instant policy issuance, accidental towing facility within the city limits, around 2500+ cashless garages, etc. Not only this, comprehensive car insurance policy by Future Generali also offers personalized services including Future Express Claim Facility. It also offers a range of additional covers such as tyre damage, NCB protection, loss of personal belongings, zero depreciation, theft or loss of keys, at just a nominal premium. This company ensures your car’s security against theft as well as damage from the road accidents. Their online services to buy car insurance and renew a car insurance policy are as easy as a pie. With its additional protection, Car Insurance Policy by the company wins the heart of many!
In India, as per the Motor Vehicles Act of 1988, it is compulsory that every vehicle being driven on the road be insured. This car insurance is classified as third-party car insurance and comprehensive car insurance. Though third-party car insurance is mandatory by law, buying a comprehensive policy is only as per one’s wish. However, why be troubled when you can easily analyze your own needs and choose the right cover for your car?
Let’s find out some of the important reasons to insure your car with Future Generali Car Insurance:
When buying an insurance policy for your car, you need to take into account several factors and most importantly your needs and requirements. There are many policies available today, and thus, choosing the right one can be a tough decision. A wrong decision can lead to many problems later on, and thus, being careful is essential. Let's see what Future Generali Car Insurance offers:
Third- Party liability insurance
Comprehensive Coverage (Own Damage)
This is the comprehensive policy by Future Generali Car Insurance and covers a wide range of scenarios. In addition to the third party coverage, this package plan also covers the insured car and its owner from the following damages caused by:
Personal Accident Cover
Additional Legal Liability
You may opt for the below additional legal liabilities along with an additional premium
Your Future Generali Car Insurance covers the below:
Apart from the regular coverage, some additional coverage could be included in the plan with some extra premium. These add-ons enhance your basic car insurance plan.
Future Generali Car Insurance offers 2 option to their customers for car insurance plans.
Future Express - This facility is suitable for the customer’s whos top most priority is repairs, reduced cost and excellent tailor-made service.
Future Express + - This facility is suitable for customer’s whos top most priority is instant loss assessment, choosing the garages of their choice and claim finalization
Future Generali India car insurance also offers insurance add-on covers with 3 different pre-defined bundles. These mentioned below:
Below is the list of the add-ons offered by Future Generali Car Insurance with a detailed description:
Zero Depreciation cover - This add-on cover offers depreciation waiver on metal and plastic parts in case of partial loss/claim. This cover ensures you the entire claim amount without deducting the depreciation on the parts that are replaced.
Passenger Cover - This type of add-on cover safeguards the passengers travelling in the car financially against death or disability due to an accident. This cover ranges from as low as Rs.10, 000 and can go higher up to Rs.2 lakh ((in the multiples of Rs.10, 000). Therefore, the payout differs as per the nature and intensity of the injury
Personal Accident Cover - This is an add-on cover where the paid driver as well as the owner of the vehicle is covered. If the owner driver of the car meets with an accident, 100% claim is offered in case of death or disability to the limbs
Key Protector Cover - In case the keys of your insured car are lost/ misplaced or stolen, then the expenses would be borne by this add-on including the labour costs.
Loss of baggage cover - This add-on helps you reimburse the loss of baggage in the car without affecting the no claim bonus.
Medical expenses cover - This add-on offers medical expenses for the driver in the car and if there are other passengers in the car at the time of incident
Personal Liability Cover - This add-on offers a coverage of Rs.5 lakh only for the registered owner.
IDV cover - Offers coverage to IDV that is the insured declared value along with the registration and road tax and insurance. This is the most useful add-on cover offered by Future Generali Car Insurance Company.
Inconvenience Allowance - In case of your car breakdown, this add-on offers you daily cash benefit when your car is being repaired. If your car is in repairs for a valid claim, Future Generali offers you a daily cash allowance for hiring another transport and if the repair takes more than a day.
The following table shows the NCB grid:
|No. Of Years||Discount|
|One claim-free year||
|Two consecutive claim-free years||
|Three consecutive claim-free years||
|Four consecutive claim-free years||
|Five consecutive claim-free years||
Future Generali Car Insurance Company would not admit claims under the below exclusions:
For Comprehensive Claims:
For Theft Claims
For Third-party claims
Step-by-step claim process is mentioned below:
a) In case of an Accident
b)In case of vehicle Theft
In case of Third Party Claims
You should be proud of your choice and value your money spent to buy your dream machine. But, you can only achieve this by buying the best car insurance along with the worthy add-ons that would protect your investment on a long run. With the help of Future Generali Car Insurance Company’s add-on covers, you enhance the protection offered to your prized possession. With the strong network of the empaneled garages, Future Generali helps you to ease out your finances by offering excellent cashless claim services. Not only this, but the amazing discounts offered also gives your pocket a relief by saving on car insurance premiums.
The Future Generali offers 3 types of car insurance plans as Standalone Own-Damage insurance, Comprehensive insurance, and Third Party insurance.
Future Generali offers several types of discounts for its customers, like:
Yes, Future Generali offers different add-on covers like Zero Depreciation cover, Theft, Roadside Assistance cover or Loss of Key cover, Tyre Damage Cover, Engine Protector, NCB Protection Cover, Return to Invoice Cover, and so on, for a car insurance policy.
There are various benefits of buying a car insurance policy from Future Generali India Insurance, as: