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Future Generali Zero Depreciation Cover

Depreciation refers to continuous devaluation of a commodity over its age. Your car, being a commodity, is also subject to depreciation and thus loses value over time. Depreciation of your car reduces the compensation amount which you receive at the time of settlement of a car insurance claim. However, you can do away with this subtraction by purchasing the Future Generali zero depreciation add-on cover. If you opt for it, the insurer becomes liable to bear the cost of depreciation at the time of claim settlement.

Benefits of Future Generali Zero Depreciation Add-on Cover

  • Higher Claim Amount: With the zero depreciation add-on cover, the policyholder can enjoy higher claim amounts. This is because, the add-on shifts the liability of bearing the cost of depreciation from the policyholder to the insurer.
  • Multiple Permissible Claims: The benefits of the Future Generali zero depreciation cover can be enjoyed 2 times in each policy tenure.

Depreciation Rate Applicable on Car With And Without Zero Depreciation Add-on

Age of Car

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

Factors Affecting Future Generali Zero Depreciation Cover

Below are some factors which affects the zero depreciation add-on cover:

  • The zero depreciation cover is only for cars up to 5 years of age.
  • A maximum of 2 claims is permissible under the zero depreciation cover during a policy tenure.
  • The add-on cover is not applicable in case of constructive total loss (CTL) or theft of the insured vehicle.

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Future Generali Car Insurance User Reviews

4.9
Rating based on
408 User reviews
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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.

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    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.

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    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.

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    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.

    Read More

    A
    By Abhishek Shinde
    On: February 1, 2023
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Future Generali Zero Depreciation Cover FAQs

  • Do I need to pay anything at the time of claim settlement if I purchase a zero depreciation cover?

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

  • What is the premium of the zero depreciation cover?

    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.

  • How much liability would I have to bear even after opting for zero depreciation add-on cover?

    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.

  • What if I have filed a claim and opted for the zero depreciation cover and no replacement of parts was done during repairs?

    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.

  • Can I avail Zero Depreciation cover in case of theft of the insured’s car?

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

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