Future Generali Car Insurance offers a robust, comprehensive, scalable and cost-conscious product that provides 100% protection and thereby ensures your peace of mind. Apart from the regular coverage, some add-ons could be included in the plan with some extra premium. Future Generali Car Insurance offers 2 option to their customers for car insurance plans
- Future Express: If repairs, reduced cost and excellent tailor-made service are something a client is looking for, then this plan fits the bill.
- Future Express +: This plan suits best to those who look for instant loss assessment, making their own choice of garages and claim finalization.
Further the car insurance offered by FGII comes in three following plans with pre-defined bundles of add-ons illustrated in the table below.
| Features |
Silver Plan |
Gold Plan |
Platinum Plan |
| Depreciation cap |
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| IDV |
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| Cost of Consumables |
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| Personal Accident |
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| Personal Belongings |
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| Loss of keys |
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| Inconvenience allowance |
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| Personal Liabilities |
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Future Generali Car Insurance Plans
| Plan Name |
Benefits |
| Car Insurance |
- 24x7 support available round the clock for spot assistance and claim assistance
- Cashless coverage across 900+ authorized network of garages in the country
- Third-party cover upto Rs 7.5 Lacs
- Basic policy includes coverage against natural and man-made calamities, personal accident cover and liability to third-parties
- Fast and quick online purchase and instant renewal facility with simple, hassle free processing
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Personal Accident: The insurer provides accident cover of Rs 1 Lac to the person named in the policy, provided that the accident occurred while he/she was in the driver’s seat with a valid driving license.
Third party liability: In case of an accident to a third person involving the policy holder’s vehicle, the policy covers all the legal liabilities that would arise due to death or injury of the other party.
Additional legal liability: The cover can be extended to any person travelling in the vehicle
Zero Depreciation: Policyholders are eligible to avail the full claim amount at the time of any unfortunate event. However, this excludes the cost of repair or replacement of tyres or batteries. All car parts excluded under the India Motor Tariff policy will be covered under this add-on.
| Vehicle Age |
% of depreciation |
| Not more than 6 months |
5% |
| exceeding 6 months to 1 year |
15% |
| exceeding 1 year to 3 years |
30% |
| exceeding 3 years to 4 years |
40% |
| exceeding 4 years to 5 years |
50% |
No Claim Bonus(NCB): Under this feature, the existing NCB can be retained at the time of renewal, without getting impacted even if there is a claim under the policy.
Keys Assistance:Through an add-on cover, reimbursements are provided towards the cost of replacement of car keys and locks or locksmith charges, in case the car keys are lost or stolen.
Return to Invoice: Under this feature, the insurer pays the difference between the Insured’s Declared Value (IDV) and the actual purchase value (as listed in the vehicle’s invoice), in the case of a total loss or constructive total loss (liability is greater than 75% of the vehicle’s IDV).
Loss of Personal Belongings:
This add-on protects you against the loss of your personal belongings kept in your vehicle, up to an amount of Rs 50000.
Inconvenience Allowance: Under this cover, incase the vehicle breaks down, you will not have to worry about transportation as this add-on entitles you to a daily allowance of Rs 3000 for 15 days.
Vehicle damage cover:This add-on offers comprehensive coverage for vehicle under ‘Own Damage’ category, which can be due to any kind of mishap. This includes man-made damages as well as caused due to natural calamities.
Engine and Gearbox: With this add-on, any damages to engine and gearbox caused due to waterlogging, oil leakages and accidental damages are covered.
Engine and Gearbox:With this add-on, any damages to engine and gearbox caused due to waterlogging, oil leakages and accidental damages are covered.
Tyre damage: Incase the insured vehicle endures a flat tyre, bulge, burst, cut or accidental damages the same will be reimbursed under this feature.
Claim Process for Future Generali Car Insurance (Step wise)
For Cashless Claim Process
- Intimate Future Generali online (https://general.futuregenerali.in/car-insurance) or Call on 1800 220 233 or SMS MOTORCLAIM to 9222211100
- The surveyor inspects the vehicle
- The surveyor collects the claim request documents
- Approved claim amount then gets communicated to the workshop
- Payment is then directly made to Future Generali convenient workshop
For Reimbursement Claim Process
- Intimate Future Generali online (https://general.futuregenerali.in/car-insurance) or Call on 1800 220 233 or SMS MOTORCLAIM to 9222211100
- The surveyor inspects the vehicle
- The surveyor collects the claim request documents
- Make payment to the workshop directly and then submit bills and receipt to surveyor or Future Generali branch
- 7 days from the date of submission of final documents, the payment is made to the insurer
Future Generali Car Insurance –FAQs
1.How to renew Future Generali car Insurance Policy online?
Policy can be renewed online easily without any hassle. Log on to
https://general.futuregenerali.in/car-insurance and click “Renew” section on the top right corner and enter policy number. Use your debit/credit card or Netbanking details to make the payment.
2. How can I check my Future Generali Car Insurance policy status ?
It’s easy to check policy status online. Click the link
https://general.futuregenerali.in/enquiry and provide the policy number for status after choosing the right option under type of query dropdown menu.
3. How Can I buy Future Generali Car Insurance online? What are the modes to pay online?
Visit Future Generali’s website at
https://general.futuregenerali.in/car-insurance and click “Buy” on top right corner. It would then take you to a new page where vehicle details need to be filled up along with Coverage details. Options available both for new car and transfer from other insurer, along with two-wheeler insurance. Online payments can be done through Debit card/Credit Card/Netbanking.
4. Can I use Future Generali General Insurance branches to avail the services?
Yes, Future Generali General Insurance branches can be visited to avail various services. The nearest branch address can be availed online or by calling customer care number.
5. What are the exclusions in the Future Generali Car Insurance policy?
Exclusion under the policy is loss of cash from safe using duplicate key, unless the key is obtained by threat or force.
6. Can the existing NCB be transferred on sale of the old car to my new car?
NCB is allowed to the insured and not to the insured car. So, on sale of the car, the insurance policy can be transferred to the new owner but not the NCB. For the balance policy period, new owner has to pay the difference on account of NCB. However, the original owner can use the NCB from his old car (sold) to a new car purchased by him. For this he has to apply to the existing insurance company and get the NCB reserving letter.
