Future Generali Car Insurance FAQs

In the event when your insured car suffers any kind of damage or loss, then you should contact Future Generali insurance company regarding the same immediately. The insurance company would then send a surveyor to analyze the extent of damage caused to the car. Once the insurance company gives approval for the same, then the repair process will start at a listed network garage. The bill will get settled directly by Future Generali with the owner of the repair workshop.

The following benefits are provided by Future Generali cashless garages in India:

• You can avail cashless repairs at any of the network garages.
• You can also avail cashless maintenance of your vehicle at a listed garage.
• You can enjoy a simple, quick and hassle-free claim settlement procedure.

Future Generali offers their customers a wide cashless garages network across India. They have more than 3,194 authorized listed cashless garages.

You are required to submit the following documents to register for Future Generali cashless claim:

• A copy of car insurance policy
• Repair Bill
• Claim Form
• Driving License
• Valid RC
• Other Documents (if asked by the insurance company)

It is necessary to intimate the insurance provider about the accident as soon as possible so that they can assess the extent of loss or damage incurred by the car and the repair required by it in correspondence to the coverage offered by the car insurance plan.

The Future Generali offers 3 types of car insurance plans such as Comprehensive insurance policy, Standalone Own-Damage insurance policy and Third Party insurance policy.

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.

Yes, Future Generali provides different add-on covers such as Zero Depreciation cover, Roadside Assistance cover, Theft or Loss of Key cover, Tyre Damage Cover, NCB Protection Cover, Engine Protector, Return to Invoice Cover and so on, for car insurance policy.

There are several benefits of buying a car insurance policy from Future Generali India Insurance such as:

• Automated renewal reminder.
• A wide range of add-on covers.
• 24x7 roadside assistance facility.
• Claim settlement in 7 working days.
• 24 hours of customer assistance service.

Yes, it is possible to transfer your previous car insurance policy to Future Generali. In addition to this, you can also transfer your No Claim Bonus by getting a retention certificate from your previous insurance company.

Yes, a personal accident of up to Rs. 15 lakh is available with the Future Generali third party car insurance policy.

Yes, you can opt for legal liability for paid driver cover against an extra premium with a third party liability car insurance policy to cover such legal liabilities.

Yes, a third party liability cover offers reimbursement for the expenses incurred during a court trial.

The NCB discount can be availed up to 50% on the OD (Own Damage) premiums. However, to avail a discount of 50%, the policyholder must have completed 5 claim-free policy tenures.

No, the Future Generali third party bike insurance policy does not provide coverage for any accident or mishap outside the pre-decided geographical area.

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.

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.

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.

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.

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.

Yes, you are liable to pay for the compulsory deductible and voluntary deductible (if opted) at the claim settlement.

There is no fixed premium amount for every policyholder. The premium of a zero depreciation cover depends on factors like IDV of your vehicle, Age of the insured vehicle, and Model and make.

Zero depreciation add-on cover only waives off the depreciation cost of the replaced parts. This means that there are still some liability in the form of voluntary (if opted) and involuntary deductibles, which needs to be paid by the policyholder.

In such a case, the claim will be considered to be done without the zero depreciation benefits and hence, you will maintain the number of leftover zero depreciation claims as before the claim initiation.

No, you cannot avail zero depreciation cover in case of theft of the insured’s car.

The Future Xpress+ claim settlements are offered at more than 3,500 garages authorised by the company. To know the nearest one, you can call 1800-220-233/1860-500-3333/022-67837800.

Yes, an inspection of your damaged vehicle by the surveyor is mandatory in every case. Inspection helps to assess the extent of damages and in finalisation of the claim amount.

Apart from the standard documents and the claim form, you need to submit a copy of the FIR filed at the local police station. You also need to provide details of the witnesses, if any.

Cashless garages or network garages refer to those garages that are authorised by 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 car and the insurer directly pays them on behalf of the policyholders.

You can find the nearest network garage from the “GARAGE LOCATOR” on the official website. You have to select the state, city, car, and area in the “GARAGE LOCATOR” to find the nearest garage.

Yes, you can modify, add or remove add-on covers while renewing your car insurance policy with Future Generali.

The policy is renewed instantly after payment of the renewal fee. The renewal document is also sent to your registered email address instantly.

If you miss to get your policy renewed by the expiry date, you can get it renewed within 90 days from the expiry date after getting your vehicle inspected by the insurer. However, if you miss to get your policy renewed in this 90-day window then you cannot get it renewed later. In such a case, you need to purchase a new car insurance policy to keep your vehicle insured.

Yes, you can easily update your contact details at the time of renewal. Click on the “Nominee & Contact details” and make the required changes.

Yes, you can renew the car insurance policy even if all your policy documents are lost. You just have to provide the current policy number during the renewal.

No, it is not mandatory to add an add-on cover in your car insurance plan and it is purely up to you to have an add-on cover or not.

Various add-on covers are provided by Future Generali for car insurance plans such as Zero Depreciation Cover, Return to Invoice Cover, Lost Key Cover, Protection of NCB, Personal Laptop and Mobile Cover, Engine Protector, Daily Cash Allowance, Consumable Cover, Roadside Assistance, etc.

You can purchase as many add-on covers as you want to include in your car insurance plan at a time based on your budget and needs.

Yes, you will have to pay for an additional amount of premium to include an add-on cover in your car insurance plan along with the premium of your base policy.

You can buy the add-on covers either at the time of car insurance policy purchase or during the car insurance policy renewal process.

You will have to enter details like make, model and variant of your car, fuel type of your car, RTO location of your car, engine capacity of your car, registration year of your car, etc., to get the premium amounts offered by different insurers through the premium calculator.

With the car insurance premium calculator, you can easily get the premium amount and IDV offered by different insurance companies. It will help you select a better car insurance plan.

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.

Factors that affect the insurance premium of a car insurance cover are Insured Declared Value (IDV), Engine’s Cubic Capacity, No Claim Bonus (NCB), Anti-Theft Devices, Age of the Owner and so on.

Yes, you can avail premium calculator to calculate the premium amount for your old car as well as your new car.

The premium for Future Generali Own damage car insurance plan is calculated by taking several aspects into consideration such as age of the car, make of the car, engine cc, vehicle type, geographical zone, etc.

Being a policy proposer, you are given the option to choose amongst three different types of motor insurance plans available in the market i.e. comprehensive insurance policy, third party liability policy and own damage insurance policy.

By purchasing Future Generali Own damage insurance policy, you can stay protected against any kind of losses or damages sustained by your own vehicle due to any accident, mishap or theft.

The following set of documents are needed in order to make claim:

• Copy of car insurance policy
• FIR Report Copy
• Repair estimate
• Car RC
• Driving license
• No Claim certificate
• Photos and other proofs of the accident
• Other documents (as asked by the insurer)

No, as per law it is not mandatory to buy an own damage insurance plan for your vehicle. However, according to Indian Motor Tariff Act, it is necessary to purchase at least a third party liability insurance plan for your vehicle.