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Future Generali Comprehensive Car Insurance Policy

A comprehensive car insurance policy is a type of policy which provides coverage for damages incurred by your car in addition to the third party liabilities. Future Generali’s comprehensive car cover called the ‘Secure Plan’ provides full coverage for your car. This includes compensation for damage incurred by your car due to an accident, natural calamity, man-made calamity, theft or any other unintentional mishap. With the Future Generali Secure Plan, you can also avail from a wide array of add-on covers such as zero depreciation cover, engine cover, consumables cover etc.

Future Generali Comprehensive Car Insurance vs Third Party Car Insurance

Basis

Comprehensive Policy

Third Party Cover

Coverage

Future Generali Secure Plan offers coverage for the insured vehicle, injury/death of a third party and compensation of up to Rs 7.5 lakh for third party property damage.

Third Party liability cover protects the policyholder only against injury/death of a third party and third party property damages (up to Rs 7.5 lakh)

Availability of Add-ons

A number of add-on covers are available against an extra premium with a comprehensive plan.

No add-on covers are available with a third party liability policy.

Cost

Owing to the wide coverage, the comprehensive plan costs more than third party cover.

Since the coverage is limited only to third party liabilities, its premium amount is lower than comprehensive policy.

What All Is Covered Under Future Generali Comprehensive Car Insurance Plan?

Here are the coverage Of Future Generali Comprehensive Car Insurance Policy:

  • Limited/unlimited liability cover for injury/death of a third party.
  • Damages incurred by the insured vehicle due to a road accident.
  • Maximum compensation of Rs 7.5 lakh for third party property damage.
  • Damages incurred by the insured vehicle during a natural, man-made calamity or any other mishap.

What All Is Not Covered Under Future Generali Comprehensive Car Insurance Plan?

Future Generali comprehensive car insurance policy refrains from providing coverage for the following:

  • Normal wear and tear
  • Driving without a valid license
  • In the case of wilful negligence
  • Mechanical or electrical breakdown
  • Damaged caused due to contractual liability
  • Damage caused during war, nuclear risk or any similar situation
  • In case of driving under the influence of alcohol or intoxicating drugs.

Benefits of Future Generali Comprehensive Car Insurance

Future Generali comprehensive car insurance plan provides several benefits to the policyholders which are discussed below:

  • Policy cover of all third party liabilities.
  • Compensation for damages incurred to the insured vehicle in an accident.
  • Online and hassle-free policy issuance and policy renewal processes.
  • NCB discount of up to 50% on own damage premiums for claim-free years.
  • Availability of a wide array of add-on covers such as Zero Depreciation, NCB Protection, etc.
  • Easy claim initiation and cashless claim settlement processes at Future Generali partner garages.
  • Optional personal accident cover of up to Rs. 15 lakh for the policyholder and Rs. 2 lakh for unnamed co-passengers.

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Future Generali Car Insurance User Reviews

4.9
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408 User reviews
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What users are saying
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  • User Friendly Services

    Dealing with car insurance at the InsuranceDekho website has been such a hassle-free process. Their website is user-friendly, making it easy to compare quotes and choose the best policy. I chose Future Generali Car Insurance. Ever since customer team is always ready to help with any concerns and queries. Thank you!

    Read More

    S
    By Shivangi Kalra
    On: June 7, 2024
  • Handy options

    Very comfortable and Easy access with excellent follow up from customer care service people of Insurance dekho. Fully satisfied with the service

    Read More

    V
    Skoda Rapid Hyderabad
    By VALLABHANENI MAHEEDHAR
    On: March 20, 2023
  • Smooth process

    Smooth process easy to use and. That's enough for me to write. I am not good in essays writing. So please don't expect to fulfill 125 words criteria.

    Read More

    S
    Maruti Wagon R New Delhi
    By SUMITA TANEJA
    On: March 19, 2023
  • Swift renewal process

    To get my Future Generali car insurance policy renewed, I visited the InsuranceDekho portal and find a simple and swift renewal process. With its help, I could get my policy renewed timely which secure my Maruti car.

    Read More

    M
    By Meher Kaur
    On: March 10, 2023
  • Additional features

    Since I bought the Future Generali car insurance plan for my Skoda from the InsuranceDekho website, I am quite relaxed. They have many additional features. One of my favorites is the reminder feature, which sends a message well in advance in case your policy is about to expire and you can renew it well in time.

    Read More

    V
    By Vritti Gupta
    On: March 7, 2023
  • Detailed Information of the Pl...

    While I was looking for car insurance for my Renault car, I came across the Future Generali car insurance plan on the InsuranceDekho website. All the plans had detailed information which made it easier for me to choose the plan best suited for me.

    Read More

    J
    By Jolly Narula
    On: March 3, 2023
  • Detailed information

    The InsuranceDekho website provides detailed information about each plan they offer, this helped me choose an appropriate plan. I picked the Future Generali car insurance plan for my Nissan Magnite. The plan has all the required features and benefits. Happy with the purchase.

    Read More

    N
    By Nihit Saxena
    On: February 21, 2023
  • Well-organized website.

    When I was looking for an insurance policy for my Skoda Octavia. I visited InsuranceDekho.com. I liked that it is so much easy to use this website as the website is so much organized and managed properly. I purchased a plan from Future General. I was really happy with the policy and the website

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    H
    By Harshad Polim
    On: February 10, 2023
  • Good and instant comforting

    very informative and satisfying team had clarity and patience to discuss details at length very neutral approach and efforts clearly indicated that subject is the matter beyond sales.

    Read More

    S
    Hyundai Elite i20 Ghaziabad
    By SONPAL SINGH
    On: February 10, 2023
  • Easy quotes comparisons

    The InsuranceDekho website allowed me to compare several car insurance quotes which were generated according to my requirements and budget. It helped me choose and purchase a Future Generali car insurance policy for my Maruti Alto car.

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    A
    By Abhishek Shinde
    On: February 1, 2023
Future Generali Reviews

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Future Generali Comprehensive Car Insurance FAQs

  • How the premium of my Future Comprehensive car insurance policy is calculated?

    The premium of your car insurance policy depends on factors such as Insured Declared Value (IDV), Cubic Capacity (CC), Age of the vehicle, Make and model of the vehicle, Geographical zones, Special discounts and loadings, if any, and No Claim Bonus.

  • What is CTL and how much claim is offered in that?

    CLT stands for Constructive Total Loss, i.e; the vehicle has suffered more than 75% damage and its beyond repairs. The claim amount offered in this case is equivalent to the Sum Insured.

  • How can I purchase a comprehensive plan online?

    To purchase the Future Generali comprehensive car insurance policy online, visit Future Generali’s official website and go to the ‘Buy’ tab. Click on ‘Car Insurance’ and select ‘Buy a new car insurance’ option on the next page. Enter the RTO, customise your policy and make the payment. You will receive the policy document instantly on your registered email ID.

  • Am I eligible to receive compensation if an accident occurs outside the geographical area mentioned in the policy document?

    No. No claim request is accepted by the insurer if the accident has occurred outside the geographical area. However, you can extend the policy cover to geographical areas not covered under a standard Future Generali comprehensive policy by paying an additional premium.

  • How can I get the quotes for Future Generali comprehensive car insurance?

    You can get the quotes for Future Generali through its official website. You can also opt to get the quote through InsuranceDekho just by entering the car registration number on its “Get a Quote” feature.

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