Future Generali Bike Insurance FAQs
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Select your Two wheeler brand
Which city is your Two wheeler registered in?
When did you buy your Two wheeler?
How many types of two-wheeler insurance policies does Future Generali provide?
The customers can get 3 types of two-wheeler insurance policies in Future Generali, Comprehensive Insurance policy, Standalone Own Damage Insurance policy and Third Party Insurance policy. Comprehensive insurance policy and Standalone are optional plans whereas a third party policy is compulsory by law for all the two-wheeler owners.
Does it provide add-on covers for two-wheelers?
There are several add-on covers that a policyholder can get with their Future Generali India two-wheeler Comprehensive Insurance policy. It includes Zero depreciation cover, Road-side assistance cover, Loss of key cover, Daily cash allowance cover, Engine protection cover etc. the policyholders can get these by paying an additional premium.
Why should I take my two-wheeler insurance policy from Future Generali India Insurance?
There are several reasons for getting your two-wheeler insurance policy from Future Generali India Insurance such as:
- Offers quality service to its customers.
- 24 hours of customer assistance service.
- Automated renewal reminder.
- Claim settlement in 7 working days.
- 24x7 Roadside assistance facility.
- Ample amount of add-on covers.
Will I get a discount on my premium?
Future Generali offers various types of discounts for its customers such as:
- No Claim Bonus (NCB) benefit
- Automobile association membership discount
- Anti-theft device discount.
Can I transfer my previous two-wheeler insurance policy with Future Generali?
Yes, it is possible to transfer your previous two-wheeler insurance policy with Future Generali. You can also transfer your No Claim Bonus with it by getting a retention certificate from your previous insurer.
What assistance do I get in case of death of the third party in an accident?
In the case of the death of the third party, the insurer provides legal and financial support to the policyholder. The compensation amount is decided by a court of law.
Can I stretch the coverage of the Future Generali third party bike insurance policy?
No, you can’t stretch the coverage of the Future Generali third party bike insurance policy as it doesn’t provide the options of the add-ons. It gives the basic coverage. However, for the extensive coverage, you can opt for the comprehensive bike insurance policy.
Will the Future Generali third party bike insurance policy provide any coverage for the insured’s bike?
The Future Generali third party bike insurance policy will not provide any coverage for the insured’s bike, as it only covers third party liabilities.
Does the Future Generali third party bike insurance policy cover accidents beyond the geographical area?
No, the Future Generali third party bike insurance policy does not provide coverage for any accident or mishap outside the pre-decided geographical area.
How do I pay for the Future Generali third party bike insurance policy?
There are two basic methods to pay for the Future Generali third party bike insurance policy:
- By paying in cash at the nearest branch
- By paying online using a debit card, credit card or via net-banking.
What are the factors that influence the premium amount of the Future Generali comprehensive bike insurance policy?
The factors that influence the premium amount of the Future Generali comprehensive bike insurance policy are as follows:
- Insured Declared Value or IDV which is the current market value of the vehicle
- Cubic capacity of the vehicle
- Place of registration
- Type of model
- Age of the vehicle
- Type of cover (comprehensive cover in this case)
- Add-on covers chosen by the policyholder
- Zone of registration
- Age of vehicle.
What are the add-on covers available along with Future Generali comprehensive bike insurance policy?
The following add-ons are available along with Future Generali comprehensive bike insurance policy that can be opted with a slight increase in premium:
- Zero Depreciation
- Return to Invoice
- NCB Protection
- Loss of keys cover
- Loss of personal belongings cover
- Tyre coverage
- Inconvenience Allowance
- Engine Protection.
What is the information required for the purchase of Future Generali comprehensive bike insurance plan?
The following information is required for the purchase of Future Generali comprehensive bike insurance plan:
- Registration number
- Engine number
- Chassis number
- Previous policy number if any
- Vehicle manufacturing date
- Date and city of purchase
- Registration Certificate of the bike
- Personal Details of the owner such as contact number, email id etc.
How can I purchase the Future Generali comprehensive bike insurance policy?
You can purchase the Future Generali comprehensive bike plan by the following means.
- Through its official website: You can make a purchase through the “Buy “ option available on its official website.
- Visiting the branch: You can visit its nearest branch to buy the policy directly from the company executive.
- Calling its helpline number: You can receive the guidance from the executive by dialling 1860 500 3333 or 1800 220 233 to make the purchase.
How can I get the quotes for Future Generali comprehensive bike insurance?
You can get the quotes for Future Generali through its official website. You can also opt to get the quote through Insurance Dekho just by entering the bike registration number on its “Get a Quote” feature.
Does the Zero Depreciation cover provide for plastic parts of bikes?
Yes, Future Generali Zero Depreciation cover provides coverage for plastic parts of the insured’s bike. Thus, when you opt for it, the insurance company does not take into consideration the 50% depreciation rate applicable on it.
Do I receive the full claim amount if I opt for Zero Depreciation cover?
Adding Zero Depreciation cover ensures maximum claim by eliminating the depreciation factor. However, you do not receive the full claim amount as the deductibles will be factorized at the time of claim settlement.
What are the advantages of Future Generali Zero Depreciation cover?
The Future Generali Zero Depreciation cover provides the following advantages to its policyholders:
- Policyholders save significant cost on the repairs and maintenance of the depreciated parts of the insured’s bike.
- Ensures full IDV amount as the claim amount.
- Provides free of cost replacement of depreciated bike parts.
Can I avail Zero Depreciation cover in case of theft of the insured’s bike?
No, you cannot avail Zero Depreciation cover in case of theft of the insured’s bike.
How can I add the Zero Depreciation cover to my policy?
Zero Depreciation cover can be added to your policy in the following ways:
- By visiting its official website
- By dialling its helpline number 1860 500 3333 or 1800 220 233
- By visiting the nearest branch
You can add this cover to your comprehensive bike insurance policy at the time of purchase, renewal or in the middle of the tenure.
What are cashless garages?
Cashless garages or network garages refer to those garages that have a mutual understanding with the insurer for the repair of a vehicle insured under their policy. These garages provide free repair and replacement services for the damages to the insured’s bike.
In case of a major accident, when is the survey done?
In case of a major accident, the surveyor conducts a spot survey within 24 hours of the accident.
How can I find the nearest network garage?
You can find the nearest network garage from the “GARAGE LOCATOR” on the official website. You have to select the state, city, two-wheeler, and area in the “GARAGE LOCATOR” to find the nearest garage.
Does Future Generali General Insurance provide towing service?
Yes, Future Generali provides towing service from the accident stop to the nearest network garage.
What coverage amount would I get in case of theft?
The insurer provides the calculated Insured Declared Value (IDV) of the bike deducting the depreciation and deductible in case of theft of the insured’s bike.
Can I transfer the No Claim Bonus from my previous insurer to Future Generali bike insurance?
Yes, you can easily transfer the No Claim Bonus of the previous insurer to Future Generali bike insurance at the time of renewal.
Can I update the contact details during the renewal?
Yes, you can easily update your contact details at the time of renewal. Click on the “Nominee & Contact details” and make the required changes.
What are the factors that influence the premium quote of the renewed Future Generali bike insurance policy?
The premium quote of the renewed Future Generali bike insurance policy depends on the following factors:
- Age and condition of the bike during the renewal
- Availability of No-Claim Bonus
- Number of add-on covers taken along with the insurance plan
- Tenure desired by the policyholder.
If all my policy documents are lost, can I still renew my bike insurance?
Yes, you can renew the bike insurance policy even if all your policy documents are lost. You just have to provide the current policy number during the renewal.
How do I get the policy documents if I opt for the offline renewal process?
If you opt for the offline renewal process, the policy documents will be sent to your address given in the policy details via courier within a few days.
Why should I use the bike insurance premium calculator?
With the bike insurance premium calculator, you can easily get the premium amount and IDV offered by different insurance companies. It will help you select a better bike insurance plan.
Where can I find the premium calculator to get the premium from it?
You can find the best premium calculator to compute the premium and Insured Declared Value (IDV) for your insurance policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.
Can I avail the premium calculator to compute the premium for my old bike?
Yes, you can avail premium calculator to calculate the premium amount for your old bike as well as your new bike.
What factors determine the premium amount of a bike insurance plan?
Factors that affect the insurance premium of a bike insurance cover are Insured Declared Value (IDV), Engine’s Cubic Capacity, No Claim Bonus (NCB), Anti-Theft Devices, Age of the Owner, Add-on Cover Options and so on
What should I enter to get the premium on the premium calculator?
You will have to enter details like make, model and variant of your bike, fuel type of your bike, RTO location of your bike, engine capacity of your bike, registration year of your bike, etc., to get the premium amounts offered by different insurers through the premium calculator.
Is it mandatory to add an add-on insurance cover to a bike insurance policy?
No, it is not a compulsion to include an add-on cover in your bike insurance cover. The add-on covers are designed to expand policy coverage for the convenience of policyholders. Hence, it is completely up to them to purchase it or not.
Which bike insurance add-on covers are provided by the Future Generali?
The Future Generali Insurance Company offers a range of bike insurance add-on covers that comprise zero depreciation cover, theft or loss of keys, engine protect cover, inconvenience allowance, right to invoice cover, tyre damage, NCB protection, and loss of personal belongings.
How many bike insurance add-on covers can I opt for at a time?
You can pick as many bike insurance add-on covers as you wish to add to your policy at a time. There is no limitation to it and you can select plans as per your requirements and budget.
When can I buy the Future Generali bike insurance add-on cover?
You can purchase add-on covers either during the bike insurance policy purchase process or while renewing the policy.
Will I have to make payment for an additional premium to avail of the add-on cover?
Yes, every policyholder has to pay a little extra premium amount to add an add-on cover to his or her bike insurance plan in addition to the premium of a standard bike insurance policy. Since it can increase the amount of premium, therefore, you should include add-ons in your policy that you actually require and can afford.
Explore Future Generali Bike Insurance
Must Read Articles before buying Future Generali Bike Insurance
- Read this article to find out how you can renew your expired bike insurance at Future Generali seamlessly.
- Future Generali Bike Insurance enables its policyholders to check policy status in many ways online and offline. Read to know the steps involved.
- Essential factors to consider when buying a two-wheeler battery. Batteries provide the power that is required to start the motorcycle.
- 95% of accidents in India involve a two wheeler therefore. You should know safety tips for the two-wheeler riders in India.
- Do you have a sports bike and want insurance for it? Here is the list of add-on covers for your sports bike.
Future Generali Bike Insurance User Reviews
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- Own Damage
- Cashless Garages
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