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Future Generali Standalone Own-Damage Car Insurance Policy

Standalone own-damage insurance offers protection against own-damage costs in case of an unfortunate incident. This is one of the three types of car insurance covers that Future Generali offers its customers and is an advisable purchase along with compulsory third party insurance. The insurance provides a layer of protection for the insurance holder by providing compensation in a time of crisis and thus giving them financial stability.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Future Generali

Third Party Insurance

Future Generali Standalone Own-Damage

Future Generali Comprehensive Insurance

Coverage

Future Generali’s third party insurance provides coverage for third party liabilities in case of a mishap comprising bodily injuries, death and property damage.

Future Generali’s standalone own-damage insurance provides coverage for own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Additionally, insurance providers give NCB for claim-free years.

Future Generali’s comprehensive insurance plan offers coverage for both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.

Add-ons

Future Generali’s third party insurance does not offer add-on covers.

Future Generali’s standalone own-damage insurance offers a number of add-on covers are available with this type of cover.

Future Generali’s comprehensive insurance plan offers several add-on covers along with comprehensive plans.

Cost

Future Generali’s third party insurance cheapest policy and provides basic coverage.

Future Generali’s standalone own-damage insurance is more expensive than third party insurance but offers better coverage.

Future Generali’s comprehensive insurance plan is the most expensive of the three but this is because it offers holistic coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under Future Generali Standalone Own-Damage Policy?

The following are the aspects that are covered under Future Generali’s standalone own-damage cover:

  • Road accidents that cause the car.
  • A fire or explosion that causes damage to the car.
  • Cases of total damage or theft of the car.
  • Damage that occurs due to a natural disaster or man-made calamity such as floods.

What is Not Covered Under Future Generali Standalone Own-Damage Policy?

The following are the aspects that are not covered under Future Generali’s standalone own-damage cover:

  • Breakdowns that occur due to a mechanical or an electrical failure.
  • Mishaps that occur due to some form of illegal driving.
  • You can also purchase add-on covers to further strengthen the standalone own-damage insurance.

Benefits of Future Generali Standalone Own-Damage Policy

These are some of the benefits of purchasing a standalone own-damage policy from Future Generali:

  • It offers insurance holder security in times of crisis by providing compensation for own-damage costs.
  • Add-on covers that offer enhanced protection to the policyholder.
  • Own-damage covers also offer NCB for the claim-free years.

How To Purchase Future Generali Standalone Own-Damage Policy?

Below-mentioned is the steps to purchase a Future Generali standalone own-damage policy:

Step 1: Visit our website InsuranceDekho and select the car insurance tab. From the drop-down menu select ‘Standalone Own Damage’ from the options available.

Step 2: You need to enter your car’s registration number. If you do not have this information you can alternatively enter its make, model and year of registration.

Step 3: Provide your personal details such as your name and phone number. Once all the required information is entered select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage policies will be visible on your screen. Next, you can select the offer by Future Generali standalone own-damage insurance and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected Future Generali standalone own-damage policy and the policy document will be sent to your registered email ID.

Must Read Articles before buying Future Generali Car Insurance

Future Generali Car Insurance 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!

    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

    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.

    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.

    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.

    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.

    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.

    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

    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.

    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.

    A
    By Abhishek Shinde
    On: February 1, 2023

8 Future Generali Cashless Garages in India

Future Generali Standalone Own-Damage FAQs

  • How does premium calculation take place for Future Generali Own damage car insurance plan?

    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.

  • What are the different types of motor insurance policies available in the insurance market?

    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.

  • What do you mean by Future Generali Own damage insurance?

    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.

  • What documents do you require to make the own damage insurance claim?

    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)
  • Is it necessary to buy an own damage insurance policy for my vehicle?

    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.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.