Future Generali Car Insurance Add on Covers

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You analyze every new car feature before purchasing it. Then why don’t you follow the same while buying an insurance policy? The basic car insurance policies are no longer sufficient with today’s growing needs and external factors. Ensuring the best protection for your car with additional Future Generali car insurance add-on covers is the ideal option today. The company offers you enhanced coverage by providing maximum value additions over and above the primary benefits with these add-ons. You can buy these Future Generali car insurance add-ons online. 

Future Generali – 11 Important Add-on Covers for Your Car Insurance Policy

Depending on your budget and specific requirements, you can opt for several add-on covers of Future Generali car insurance policy.

Zero Depreciation Cover

This add-on cover gives you the total claim amount without any deduction for depreciation applicable on the value of car parts replaced. However, it doesn’t apply to theft, total loss, or constructive total loss. Future Generali Zero Dep car insurance feature is highly recommended to those who have recently bought a new car or own a luxury or sports car.

Return to Invoice

As a Future Generali car insurance add-on, return to invoice pays you the difference between ‘claim amount receivable’ and ‘purchase price of car’ in case of heft, total loss, or a constructive total loss. This add-on also covers custom duty, first-time registration charges and road tax on the insured car. Regardless of the IDV of the vehicle, the insurer will pay you the invoice amount or replace your four-wheeler with another of the same make and model.

No Claim Bonus Protection Cover

No claim bonus (NCB) is a discount that one gets for not claiming in the policy period. It vanishes the moment you claim. But with the NCB protection cover, you can get it retained even after claiming. However, this cover is applicable only once during the policy period. And you must have to repair your car only in a Future Generali-authorized garage to get this bonus.

Theft or Loss of Keys Cover

Theft or loss of keys cover compensates you for the cost incurred due to replacing the keys and locks in case of theft while claiming. This Future Generali car insurance add-on cover is applicable only once during the policy period. 

Personal Laptop and Mobile Cover

This add-on cover reimburses the cost of your laptops and mobile phone while claiming for a stolen car. The loss is covered by the supplier, manufacturer, or maintenance contractor either under contract or by law.

Daily Cash Benefit

The daily allowance is provided to you under this Future Generali car insurance add-on if your car is undergoing repairs in the workshop after an accident. This benefit is available only once in a policy tenure. Also, it does not apply to theft, total loss, and constructive total loss.

Tyre Damage Cover

Replacement of the tyre is covered under this FG add-on cover, such as the cut or damages to tyre, puncture or bursting of tyre. This also pays for the replacement of the air valve having the same make and model. 

Engine Protector

This additional add-on covers the consequential damages to the internal child parts of the engine and gearbox of the insured vehicle arising out of water ingression or leakage of lubricating oil and damage to the engine and gearbox of your car arising out of lubricating oil due to an accident.

Personal Accident Cover

This Future Generali car insurance add-on cover protects your loved ones in case of your death in an accident that involves your insured car. It also covers the repair cost of your vehicle, provided that this cover doesn't benefit you in case the driver was drunk during an accident or was trying to run a race or the accident occurred due to self-negligence.

Basic Roadside Assistance

Under this add-on benefit, your insurer is bound to provide you the assistance when your insured car is immobilized on the road because of any of the following reasons:

  • Mechanical and electrical breakdown
  • Towing due to an accident
  • Flat tyre
  • Keys locked in
  • Dead batteries
  • Contamination or running out of fuel

Additional Roadside Assistance

This Future Generali car insurance add-on cover protects you in case of an emergency while driving your insured car on the road. In addition, it assists and does on-the-spot repairing in the following circumstances:

  • Continuation of journey assists within at least 50 km away from your home address.
  • Local travel, when on Tour, assists within at least 80 km away from your home address.
  • Overnight accommodation expense facility assists within at least 100 km away from your home address.
  • Delivery of your vehicle
  • Medical coordination
  • Urgent message relay

Future Generali Car Insurance Add on Cover FAQs

  • 1. Is it possible to opt for only one add-on with the Future Generali car insurance policy?

    Yes, if you require one add-on cover specifically, you can ask for the same while buying the policy.

  • 2. For how many days does one get a daily allowance under Future Generali daily cash benefits add-on cover?

    The daily cash benefit is applicable for up to 15 days while your car is under repair in an authorized garage.

  • 3. What are the exclusions of Engine Protector Future Generali Car Insurance add-on cover?

    Retrieval of the insured car from the water-logged area is not covered under the engine protection cover of Future Generali car add-on cover.

  • 4. Can I claim daily cash benefits if my car is damaged in a flood?

    No, the Future Generali add-on cover of daily cash benefits does not apply to the damages due to natural calamities.

  • 5. Is the wheel rim covered under the FG tyre damage add-on cover?

    No, the wheel rim or other accessories or part of the wheel is not included under the tyre damage cover.

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