Future Generali India Car Insurance FAQs

Customers can customise their car insurance policy by opting one or many add-on covers as under:

• Zero Depreciation
• Theft or Loss of Keys
• Loss of Personal Belongings
• Tyre Damage
• NCB Protection
• Engine Protection
• Return to Invoice
• Inconvenience Allowance

The incurred claim ratio of motor insurance claims for Future Generali India General Insurance Company for FY 2018-2019 is 69%

For any service query relating to knowing your car claim status kindly contact the customer service department on the following toll-free numbers: 1800 220 233, 1860 500 3333, 022 67837800.

to download your car insurance policy document online you need to visit the following link https://general.futuregenerali.in/buyonline/Home.html#/MyPolicies enter registered email ID or mobile number and it shall allow you to download the car policy document online.

Future Generali India Car Insurance Company settles the claim within 7 working days after receiving all the relevant documents from the insured.

No, the company does not offer pay-as-you-drive car insurance.

With Future Generali no claim bonus during car insurance renewal, the maximum discount you can get is 50%. To avail of the maximum discount, there should be five consecutive years in which no claim has been made.

The due date of Future Generali car insurance renewal is often written in the policy documents provided by the insurance provider. Alternatively, you can also call their toll-free helpline number and request the same.

The price of car insurance renewal Future Generali depends on a number of factors such as the history of your car, its previous insurance policy, the number of claims you made during your last policy tenure, etc. Insurers may increase or decrease the price at the time of car policy renewal based on the claims types that you made under the duration of the previous or an already expired policy. If no claim has been made in the last policy's duration, the price can also be reduced. 

For Future Generali car insurance policy renewal, you are required to provide the following details:

• Your name
• Your contact numbers
• Your address
• Previous policy details
• RC details of car

A Future Generali car insurance renewal can be declined for two main reasons – either false details about your personal information or your car itself. First, your details might change, as your address changed, and you haven't updated it yet. Your age is also an essential factor that needs to be considered for policy renewal; for instance, your age doesn't allow you to drive anymore. Your car has also assigned some risks of rejection renewal policy based on its value, mileage, speed it generates, and probability of being involved in an accident.

Below are some of the main reasons for the declination of your Future Generali car insurance renewal:

• The driver is not so experienced
• Imported model car
• You being associated with motoring offenses in the past
• Theft or fraudulent prone area where you reside
• Modified car

The Future Generali car insurance claims settlement ratio is 94% for the previous year.

It depends on the type of policy you have purchased. For example, Future Generali's comprehensive or standalone car insurance covers the damage due to riots. But if you have third-party insurance, it does not cover the same.

The court of law evaluates the Future Generali claim amount in case of third-party damage. 

In case of theft, the policyholder must provides a copy of the police FIR along with other required documents. To process the claim further, you can either start the process online or you can call at their customer service. 

Yes, during claim settlement, you must pay some compulsory deductibles that differ as per your car's cubic capacity. Also, the depreciation cost has to be borne by you (if you have not opted for zero depreciation cover).

Yes, the copy of the Future Generali Car Insurance policy document contains details of No Claim Bonus (NCB).

Below are some key sections that a car insurance policy document consists of:

• Policy number
• Type of policy 
• Tenure of policy (date of purchase and expiry)
• Discounts and rewards
• IDV of the car
• Premium amount
• Inclusions and exclusions
• Policy’s terms and conditions
• Grievance redressal process
• Policyholder details
• Car details

No, there is no such restriction regarding the number of downloads you make of your car insurance policy. 

You need only your date of birth and policy number to download the Future Generali car insurance policy.

Driving without policy documents on an Indian road can land you in serious trouble, making you pay a fine of INR 2,000. There can also be imprisonment of up to 3 months.

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

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

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.

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

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

The premium of a comprehensive car insurance policy depends on various factors such as:

• Insured Declared Value (IDV)
• Age of the vehicle
• Cubic capacity (CC)
• Make and model of the vehicle
• Special discounts and loadings
• Geographical zones
• No claim bonus

CLT refers to Constructive Total Loss, which means the car has suffered more than 75% damage and can not be repaired.

To buy Future Generali's comprehensive car insurance policy online, go to Future Generali's official website and click on 'Car Insurance'. Then enter your car's details and select the most suitable quotes. Pay and get your policy purchased.

No, if an accident involving the insured car occurs outside of the policy's geographical area, the insurance company will deny the claim. However, one can extend their insurance policy cover to geographical zones not covered under a basic Future Generali comprehensive car policy in return for an additional premium.

To get the quotes on Future Generali's comprehensive car policy, you must go through its official website. After clicking on get a quote for car insurance and entering your car details like model and manufacturing, you can preview all the quotes for every offer they provide.

The Future Generali offers a personal accident cover of up to INR 15 lakh, which is also mandatory to buy separately along with third-party car insurance policy.

No, Future Generali third-party car insurance policy only covers legal liabilities against third-party. 

Yes, a third-party liability cover offered by Future Generali provides the reimbursement for the court trial incurred expenses.

No, NCB discount is not applicable with third-party car insurance offered by Future Generali. 

No, the Future Generali third-party car insurance policy does not cover any mishap or accident outside the pre-decided geographical zones.

You are still required to pay for the compulsory deductible at the claim settlement even after purchasing the zero depreciation cover.

The premium amount of Future Generali zero dep car insurance depends on several factors such as the IDV of your car, age, and model and make. Usually, it costs up to 15%-20% of the base policy premium. 

Future Generali Zero Dep cover waives off only the depreciation cost of replaced car parts. So, there remain some liabilities for you to pay in compulsory and voluntary deductibles.

In such a case, the claim settlement will be done without the Future Generali zero depreciation cover benefits, and therefore, you can maintain the number of remaining zero depreciation claims.

No, Future Generali zero depreciation cover benefits don't include the coverage against theft.

Yes, Future Generali standalone car insurance policy offers coverage against legal liabilities of a paid driver if you have opted for legal liabilities for paid driver cover in exchange for an additional premium with your basic standalone car insurance policy to get coverage for such legal liabilities.

With Future Generali’s no-claim bonus, one can avail of a discount ranging from 20% to 50% during the existing Future Generali car insurance policy renewal process. 

No, the Future Generali standalone car insurance will not cover any accident or mishap outside the geographical zones that have been not pre-decided in the policy document.

The premium of the Future Generali standalone car insurance policy can vary with the variation in the following factors:

• Car’s insured declared value (IDV)
• Car’s cubic capacity (CC)
•  Car’s age 
• Car’s manufacturer and model variant 
• Geographical boundaries
• No claim bonus

CLT means the Constructive Total Loss. Future Generali standalone car insurance policy covers CTL means a car that has sustained more than 75% damage and cannot be repaired.