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Future Generali Car Insurance

Future Generali Car Insurance, which is a flagship offering from Future Generali India Insurance (FGII) Co Ltd, is a joint venture between India’s private conglomerate Future Group and Italy’s Assicurazioni Generali, headquartered in Trieste. With almost over 12.6 Lac customers served across 125 + branches in India, FGII is focused on providing a seamless and hassle free personalized services to its clients. FGII’s tie-ups with many banks including UCO Bank, Bank of Maharashtra, Laxmi Vilas Bank and Nainital Bank helps a wide distribution network for its insurance products categorized within personal, commercial and social/rural insurance. FGII has been awarded ISO 9001:2008 certification in 2013 and ISO 27001:2013 Certification in 2014 for quality excellence and information security management system standards respectively.

  • Indo Italian Chamber of Commerce & Industry awarded FGII the prestigious “Impresa Awards 2017” in the fair business category.
  • Won the prestigious “Businessworld HR Excellence Awards 2017” under the category Best Emerging HR Strategy
  • FGII won the “Employee Engagement Achievers Awards 2017” under the category Best Use of HR Practices
  • FGII won The Great Indian Workplace Award (GIWA) 2017 at the Workplace Summit Culture
  • Received the “Growth Award 2016” for claims app, i-MoSS; from Skoch Technologies
  • Won the “Effie Award 2011” in the financial services category for marketing effectiveness during the Insurance week
  • Received the TOP 100 CISO Award that felicitates the top Influencers and community contributors in the field of Information security

Key Highlights of Future Generali
  • Proven Performance: With over 12.6 Lac customers and settling over 1.8 Lac claims annually FGII undoubtedly has a proven track record.
  • Wide Network: With over 6000 agents across the country and having presence in 125+ locations FGII definitely has a wide network.
  • Customer centric approach: Provides fast and easy claims settlement
  • Comprehensive products: Provides an outstanding combination of price and innovation when it comes to product

Future Generali General Insurance at a Glance
  • Strong foundation with capital infusion of Rs 810 Cr over a period of time since it began operation
  • Assets under Management is worth over Rs. 2,204 crore as on December 31, 2016
  • Has around 2000+ active corporate clients
  • Almost 1.2 million policies were issued for FY 15-16, highest in company’s history
  • Excellence in claim settlement :
    • Motor – Total number of claims reported in FY 15-16 are 145,242; average turnaround time to settle claims was 29 days
    • Health – Claim settlement ratio of 95%; with an average turnaround time of 2 hours to settle cashless claims
  • Extensive team of surveyors, field service engineers and approved investigators to facilitate quick claim survey and settlement

Documentation needed to apply for Future Generali Car Insurance policy
  • Completely filled covernote / application form with contact numbers
  • Name of insured person
  • Vehicle number
  • Make and model of the vehicle
  • Identification card
  • Copy of RC book if any
  • Copy of previous insurance ( for renewal)

Future Generali Car Insurance plans at a Glance
  • Has a network of over 900 authorize garages across the country, offering cashless claim services and automobile assistance.
  • Cashless settlement done at over 2500+ convenient workshops
  • Fast claim settlement process
  • Toll free helpline for assistance on policy queries and claim intimations
  • Provides 24 X 7 roadside assistance to help stranded clients or those who meet an accident.
  • Offers online benefits with quick turnaround time and total reliability of services like claims survey, towing assistance (within city limits), claim finalization in flat 7 days and sending out automated renewal reminders.
  • Personal Accident cover of Rs 50 Lacs
  • Third party cover upto Rs 7.5 Lacs

Future Generali Car Insurance Plans
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
Cost of Consumables
Personal Accident
Personal Belongings
Loss of keys
Inconvenience allowance
Personal Liabilities

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

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.