Future Generali Car Insurance is a prominent insurance provider in India, offering a wide range of car insurance products to meet the diverse needs of vehicle owners. With a reputation for reliability and customer-centric services, Future Generali has become a trusted name in the insurance industry. Understanding car insurance pricing is crucial for every vehicle owner in India. Car insurance premiums are not arbitrary; they are calculated based on several factors, including the vehicle's make and model, the policyholder's demographics, and the chosen coverage options. Knowing how these factors affect pricing allows individuals to make informed decisions, choose the right coverage, and potentially save money on their premiums.
The purpose of this article is to provide readers with a comprehensive guide to Future Generali Car Insurance pricing in India. We will explore the various factors that influence car insurance pricing, delve into how Future Generali calculates premiums, and present a detailed price list for different car models and age groups. Additionally, we will offer tips for getting the best price, discuss discounts and special offers, and highlight customer feedback. By the end of this article, readers will have a clear understanding of Future Generali's car insurance pricing and be better equipped to make informed decisions when choosing their insurance policies.
| Claim Settlement Ratio |
66.13% |
| Cashless Garages |
4000+ |
| Solvency Ratio |
1.67 |
| Branches |
121+ |
| Claims Settled |
2.06 lakhs |
What is Future Generali Car Insurance Online?
Future Generali car insurance is a good option to consider if you are looking for a reliable and affordable car insurance policy in India. Future Generali Insurance is a joint venture between the Future Group and the Generali Group. The company was established in September 2007 in India. The company deals in a wide range of insurance products and car insurance are one of its most demanded products. It offers a single yet effective comprehensive motor solution.
Car insurance policies by Future Generali are offered with various add-ons so as to allow the customer to choose and opt for extra coverage and enhance the scope of coverage provided for his car. This company ensures your car’s security against theft as well as damage from the road accidents. Their online services to buy car insurance and renew a car insurance policy are as easy as a pie.
| Cover Damages |
Broken windshield, dents, and shattered headlights |
| Third party liability |
Stay financially protected in situations with third party liability cover up to Rs. 7.5 lakhs |
| Personal Accident Cover |
Secure yourself and your family today with our personal accident cover up to Rs. 15 lakhs. |
| Roadside Assistance |
24x7 roadside assistance |
| Claim Assistance |
24/7 Claim Assistance |
| Add-on Covers |
10 Add-on covers |
| Own Damage Cover |
Coverage for own car for its loss and damage |
| Cashless Network Garages |
4000+ |
| Incurred Claim Ratio 2017-18 |
76.50% |
| Covers provided |
- Personal accident cover
- Car damage
- Depreciation cover
- Accidental legal liabilities
- Towing assistance
|
| Features |
- Quick claim settlement
- Hassle free claim settlement
|
| Benefits |
- Fast & hassle-free claim settlement process
- Instant policy issuance
- Accidental towing facility within the city limits
- Around 2500+ cashless garages, etc.
- Personalized services claim facility
- Add-on covers such as tyre damage, NCB protection, loss of personal belongings, zero depreciation, theft or loss of keys, etc.
|
| For personalized service and faster claim settlements |
Future Xpress and Xpress+ available |
Future Generali Car Insurance Price List
Car insurance is a must-have for all car owners in India to protect their vehicles from damages and third-party liability. Future Generali is a well-known insurance company that offers a range of car insurance policies to suit different needs and budgets. One important factor to consider when choosing a car insurance policy is the price. The cost of Future Generali car insurance varies depending on the type of policy that you choose to buy.
Insurance prices are determined based on various factors such as the make and model of the car, the age and driving history of the driver, the location of the insured vehicle, and many other factors. If you are interested in getting a quote for Future Generali car insurance, you can visit their website or contact their customer support for more information. Or Compare quotes on top of the page to get accurate car insurance prices. It's important to provide accurate information when getting a quote to get an accurate estimate of the cost of your insurance policy.
Premium rates for Future Generali Car Insurance can vary widely based on factors such as the make and model of the car, the age of the vehicle, and the policyholder's age and driving history. Here are some sample premium rates for illustrative purposes only:
| Car Insurance Plan |
Third-party Liability Insurance |
Comprehensive Insurance |
| Car Model |
Maruti Suzuki Alto |
Honda Civic |
| Policyholder Age |
30 years |
40 years |
| Premium Rate |
Rs. 3,000 per year |
Rs. 15,000 per year |
| Age Group |
Car Model |
Base Premium |
Premium with Zero Depreciation Add-On |
| 25-30 |
Sedan A |
Rs. 15,000 |
Rs. 18,500 |
|
SUV B |
Rs. 18,500 |
Rs. 23,000 |
| 40-50 |
Hatchback |
Rs. 10,000 |
Rs. 12,500 |
|
Sedan B |
Rs. 12,500 |
Rs. 15,500 |
| 50+ |
Hatchback |
Rs. 8,000 |
Rs. 9,800 |
|
SUV C |
Rs. 11,000 |
Rs. 13,500 |
*Please note that these are hypothetical rates, and actual premiums will depend on various factors specific to each policy.*
Future Generali Car Insurance Coverages
Car insurance is a type of insurance coverage that protects the insured from financial loss arising from car accidents. In India, car insurance is compulsory for all vehicle owners. There are many types of car insurance plans available in India. Car insurance policies come in two main types; each offers different levels of coverage. The most common ones are third party liability, and comprehensive.
| Types of Policies |
Add-ons/Riders |
Coverages |
| 1. Standalone Own damage: Standalone OD car insurance is a type of insurance that covers damage to the owner's car caused by a third party. It is sold in India and covers damages caused by accidents, vandalism, theft, and more.
2.Third party liability covers only the damages caused by the insured to a third party
- Physical injuries
- Damages to the vehicle
- Damage to the property, and
- Death.
3.Comprehensive covers any damage caused to the insured’s vehicle as well as other vehicles or property due to an accident or theft.
- Damage caused by Natural disasters or severe weather
- Fire
- Theft
- Vandalism
- Damage to the third party
- Damage to your vehicle caused by falling objects such as trees
- Damage or destruction of your vehicle caused by an act of civil disturbance such as riots.
|
- Zero Depreciation Cover
- Tyre Damage
- Return to Invoice
- Theft or Loss of Keys
- NCB Protection
- Inconvenience Allowance
- Loss of Personal Belongings
- Engine Protector
- Legal Liabilities
- Automobile Association Membership
- NCB
- Anti-theft Device
- Voluntary Access Discount
- Transfer of NCB
|
- Damages due to floods, storms, hurricanes, landslides, etc.
- Damages due to riots, strikes, terrorist activities, etc.
- Theft of the insured vehicle
- In-transit losses
- Cover against own damage
- Cover against third-party liability
- Personal accident cover
- Vehicle Damage
- Personal Accident Cover Third Party Liability
- Additional Legal Liabilities
|
Tips for Getting the Best Price on Future Generali Car Insurance:
Safe Driving Habits:
- Maintaining a clean driving record is one of the most effective ways to lower your insurance premium. Avoid accidents and traffic violations to demonstrate responsible driving.
- Consider enrolling in defensive driving courses, which may qualify you for discounts.
No-Claim Bonus (NCB):
- Future Generali and other insurers offer a no-claim bonus for policyholders who do not file claims during their policy term.
- Accumulate NCB over the years to enjoy significant premium discounts when renewing your policy.
Bundle Policies:
- If you have multiple insurance needs (e.g., home insurance, health insurance), consider bundling them with Future Generali. Bundling can often result in discounted premiums.
- Bundling also simplifies your insurance management, as you deal with a single insurer for multiple policies.
Choose Add-Ons Wisely:
- While add-ons can enhance your coverage, they also increase your premium. Select add-ons that align with your specific needs and risks.
- Evaluate the cost-benefit ratio of each add-on to ensure you're getting value for your money.
Importance of Comparing Quotes from Multiple Insurers:
- It's crucial to obtain quotes from several insurance providers, including Future Generali, to ensure you're getting the best price and coverage.
- Different insurers may offer varying premiums for the same coverage, and they may have unique discounts and add-on options.
- Online insurance comparison tools make it easy to compare quotes, coverage options, and customer reviews from multiple insurers, helping you make an informed decision.
Consider your specific needs and budget when comparing quotes and choose the policy that offers the best balance between affordability and coverage. By following these tips and comparing quotes from multiple insurers, you can maximize your chances of getting the best price on your Future Generali Car Insurance policy while ensuring you have the coverage you need to protect your vehicle and yourself on the road.
How to Buy Future Generali Car Insurance Online?
Buying future Generali insurance policy online is the best way to get your insurance policy document to your mail within 10 minutes. Steps to get Future Generali Motor Insurance Policy.
- Get quote: Fill in the registration details like registered number, make and model, and year of manufacture. Get quote online by giving your vehicle information like make, model and vehicle number.
- Apply for insurance policy: Application for Future Generali insurance policy needs a basic information
- Engine number
- Chassis number
- Registration number
- Expiry date of the policy
- Get possible discounts: Get your possible discounts if available, and Select a quote that suits you and fill proposal form.
- Get your policy: Download the policy available on your profile or from the registered email address. Now pay the premium and get your policy easily.
Future Generali Car Insurance Renewal Online
It is important to renew your Future Generali car insurance policy on time to ensure that you have continuous coverage and avoid any lapses in your policy. With Future Generali's online renewal process, you can renew your policy from the comfort of your home or office in just a few clicks.
Car Insurance Renewal Benefits:
You enjoy the following benefits on renewing your car insurance policy with Future Generali:
- Zero documentation
- Availability of 24x7 customer support.
- Instant policy renewal right at your fingertips
- minimum documentation & paperwork
- save precious time & money
- Information at your availability
- Automatic Policy Renewal Reminders
- Transfer of entire NCB discount from the previous insurer to Future Generali car insurance policy.
Future Generali Car Insurance Claim Process:
Step 1: Fill an online form or call us at our toll-free number 1800-220-233.
Step 2: Inspection our surveyor will inspect your vehicle
Step 3: Documents provide requested documents by the surveyor
Step 4: Approved amount approved claim amount will be communicated to the workshop
Step 5: Direct payment will be directly made to Future Generali Workshop.
Documents Required For Future Generali Car Insurance:
Documents Required For New Car Insurance:
- Original/Copy of the Registration Certificate.
- Copy of Invoice and proof of payment (for new car purchase).
- Original/Copy of Driving License issued by competent authority.
- Proof of address and contact details.
- Copy of PAN and/or identity proof.
Documents/paperwork Required During Claims:
Before making a claim with Future Generali, it is very important to know the claims procedure and documentation required to ensure hassle free processing at minimal turnaround time. Below is the list of documents required when you make a claim.
- Original/Copy of the Registration Certificate.
- Duly filled claim form and claim intimation letter in the required format.
- Copy of Driving License.
- Copy of F.I.R if there was damage to a third party property/person.
- Ad hoc reports like Supplementary Report / Re-inspection report if required.
- Survey report issued by authorised surveyor.
- Estimate of repairs of the work carried out at the garage.
- Invoices copies for both reimbursement and cashless claims, along with proof of cash receipt.
For Theft Claims
- Policy copy
- Claim intimation form
- Claim form
- RC book copy
- Driving license copy
- FIR
- Sales invoice
- Tax receipt
- RTO report
- Transfer papers
- Final report
- Indemnity bond
- Subrogation letter
- Photo identity and address proof of the owner
For Third-party claims
- Duly filled and signed form
- Policy copy
- Driver’s license original
- FIR report
- Notice from the court
- RC book and all other documents in original
- Photo identity and address proof of the owner
Step-by-step claim process is mentioned below:
a) In case of an Accident
- Immediately contact Future Generali Car Insurance on their toll-free number or by visiting their nearest branch office.
- Lodge a claim by filling in the duly signed Claim Form by the insured
- Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
- FIR report also needs to be submitted if required (Kindly note down, contact details of people and vehicle number involved in accident)
- Original Repair Bill in case of a reimbursement claim is required
- In case of cashless service submit only the Invoice receipt
- In case of reimbursement provide estimate bill, original invoice and payment receipt
- Give a brief description of the loss or damage for the car
- Mention the details of the persons suffered injuries due to the accident or died in the accident
- Photographs of the damaged vehicle needs to be submitted
- Take appointment with the surveyor and take your vehicle to any of Liberty Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
- The Company would confirm the liability
- In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
b) In case of vehicle Theft
- Immediately contact Future Generali Car Insurance on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Future Generali ’s registered office via post or courier
- Lodge a claim by filling in the duly signed Claim Form by the insured
- Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
- FIR report also needs to be submitted if required
- Photographs of the vehicle needs to be submitted
- Submit the NOC given by the financer for total loss and theft
- Submit the Power of Attorney or Subrogation in case of total loss
- Submit the discharge voucher
- Set of the car keys
- Submit the indemnity bond
- Original Repair Bill in case of a reimbursement claim is required
- Duly signed Form 28, 29, 30 and Form 35.
- Final confirmation with “No Trace Report” of the insured vehicle from the police
- The Company would confirm the liability and settle your claim
c) In case of Third Party Claims
- Immediately contact Future Generali Car Insurance on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Future Generali ’s registered office via post or courier
- Lodge a claim by filling in the duly signed Claim Form by the insured
- Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
- FIR report also needs to be submitted if required
- Take appointment with the surveyor and take your vehicle to any of Future Generali Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
- The Company would confirm the liability
- In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement. For Future Generali motor claim intimation toll free number 1800 220 233.
Conclusion
In conclusion, Future Generali car insurance is a reliable and affordable option for car owners in India. The company offers comprehensive coverage, cashless claims, quick and easy online renewal, 24/7 customer support, and additional benefits such as roadside assistance and zero depreciation coverage. With Future Generali car insurance, you can have peace of mind knowing that your car is protected from damages and third-party liability. Moreover, the company has a strong reputation for providing excellent customer service and prompt claim settlement. Therefore, if you are in the market for car insurance, it is worth considering Future Generali for your insurance needs.