Future Generali Vs Royal Sundaram Car Insurance Comparison 2024

Updated On: 2023-04-22

Author : Team Policybachat

Future Generali and Royal Sundaram are leading car insurance companies in India. Choosing the right car insurance plan for your vehicle can be tough, but each company offers several different policies. Choosing anyone could be a great move because they're both trustworthy and competitive. They have almost similar products, but their pricing and coverage are different.

Royal Sundaram is a basic plan that will offer you coverage against most eventualities today. Future Generali is a premium-based plan with additional features like accident cover, roadside assistance, and travel benefits. The question then becomes - which one should you choose? In this article Future Generali vs Royal Sundaram Car Insurance comparison, we will help you to make an informed decision.

Future Generali vs Royal Sundaram car insurance differs mostly on pricing. Comparison of Future Generali and Royal Sundaram Car Insurance depends on the factors such as Customer Service, Product Portfolio, Pricing, Best Coverage, suitability, and Claim Settlement Ratio.

When you buy insurance for your car, you would want to get insurance that is high on benefits and low on costs. PolicyBachat help you choose the best car insurance policy by comparing online. You must know what your budget and requirements are, to decide on the right one for your needs.

Which is the Best Car Insurance Company Future Generali or Royal Sundaram Car Insurance?

Future Generali has been around for a long time and is considered one of the best car insurance companies in India. On the other hand, Royal Sundaram is an insurance company that works with multiple brands. They are considered one of the most reliable insurers in the country. Whether it is Future Generali or Royal Sundaram car insurance the best car insurance company always provides:-

  • Best customer services
  • Claim settlement ratio
  • No. of cashless garages
  • Analyzing car insurance needs
  • Good coverage offered
  • Better price
  • Customization of add-ons
  • Financial ability of the company
  • Third party liability coverage
  • Personal accident cover.
Key Points Future Generali Car Insurance Royal Sundaram Car Insurance
Claim Settlement Ratio 66.13% 87.89%
Cashless Garages 4000+ 4600+
Solvency Ratio 1.67 1.87
Branches 121+ 158+
Claims Settled 2.06 lakhs 15 lakhs

*The premiums are displayed according to your details, compare the quotes and buy the policy according to your needs and budget.*

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Future Generali Car Insurance:

In a bid to enable you to secure your car after an accident or a mishap, the Future Generali Insurance Company provides different types of car insurance plans such as third party car insurance and a comprehensive car insurance cover.

With these insurance covers, policyholders get coverage against financial liability which you may incur towards a third party due to the death of or bodily injury or damage to the property sustained by them, due to the involvement of your insured car and coverage for any damage or loss sustained by your car due to an accident, theft, fire, riot, strike, earthquake, flood, cyclone and so on.

The insurer makes you get a car insurance policy instantly with cashless or direct payment gateways. In addition to this, it also gives several discounts to its customers to enjoy the insurance covers at lower rates such as No Claim Bonus, anti-theft device, Automobile Association membership, and many more.

Types of policies
  • Third party car insurance
  • Comprehensive car insurance
  • Own damage car insurance.
  • Zero depreciation cover
  • Tyre damage
  • Return to invoice
  • Theft or loss of keys
  • NCB Protection
  • Inconvenience allowance
  • Loss of personal belongings
  • Engine protection
  • Legal liabilities.
What is Covered?
  • 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 up to Rs. 1 lakh
  • Personal Accident Cover Third Party Liability
  • Paid driver/conductor/cleaner employed in operation of the car.
  • Employees travelling in/driving the car other than paid driver.
  • Non-fare paying passengers.

Why Buy Future Generali Car Insurance?

Key Features Benefits
Premium Save up to 60%
Policy Issuance Quick & hassle-free
Policies Issued 96%
No claim Bonus Covers up to 50%
Claims Settled 2.1 lakh+
Claim Process
  • 24x7 emergency assistance is provided
  • Digitally enabled processes with FG Insure App
  • Provides a simple and swift claim settlement process.

*Know about Future Generali Car Insurance benefits and coverages in this Article*

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Royal Sundaram Car Insurance:

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority (IRDA) of India. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and other Indian Shareholders.

Royal Sundaram has over 2000 employees, 28 million customers with 158 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online.

Types of policies
  • Standalone Own Damage Car Insurance
  • Comprehensive Car Insurance
  • Standalone Third Party Car Insurance.
  • Full Invoice Price Cover
  • No Claim Bonus (NCB) Protector
  • Tyre Cover
  • Key Protector
  • Depreciation Waiver Cover
  • Loss of baggage Cover
  • Windshield Glass Cover
  • Spare car clause
  • Voluntary deductible cover
  • Engine protector cover
  • Life time road tax clause.
What is Covered?
  • Third Party Liability: The policy covers your financial liability for damage to their property.
  • Personal Accident Cover: Personal Accident Cover for a minimum of Rs.15 lakh. You can extend cover for passengers too.
  • Comprehensive Cover: This cover protect it against loss or damage due to theft or accident.
  • Protection from Inflation: You will not need to pay any extra premium even if there is an increase in Third party premium during the course of the policy period.
  • Vehicle Replacement Value Plus Cover: With this add-on, In case of theft or total damage of your car, you will get full reimbursement on the invoice amount, road tax amount, and registration charges.
  • Cost-Effective: Affordable Car Insurance Premiums.

Why Buy Royal Sundaram Car Insurance?

Key Features Benefits
Premium Save up to 70%
Policy Issuance Quick & hassle-free
Policies Issued 96%
No claim Bonus Covers up to 50%
Claims Settled Hassle free claims of less than 5 days.
Claim Process Claim settlement processed within 10 working days

Comparison of Future Generali Car Insurance vs Royal Sundaram Car Insurance:

Given that there exist several different car insurance plans available in the market today, it is important to compare the varied car insurance plans you come across. These comparisons are best made online as more information is accessible on the internet and it is often easier to draw comparisons across several different categories. Consider the following key factors associated with these comparisons.

We explained in detail the difference between Future Generali Car Insurance and Royal Sundaram Car Insurance. The comparison will be done based on various factors such as claims, customer service, policy cost, and more.

However, some key differences make them stand out from each other. This article will help you decide which insurance company to go with, explains the pros and cons of both policies, and how they compare with each other.

Distinguish Future Generali Car Insurance Royal Sundaram Car Insurance
  • Third party liability protect you financially cover up to Rs. 7.5 lakhs
  • Personal accident cover up to Rs. 15 lakhs.
  • Coverage for own car for its loss and damage
  • Settles 2.1 lakh+ claims every year
  • 24x7 emergency assistance is provided
  • Digitally enabled processes with FG Insure App
  • Provides a simple and swift claim settlement process
  • Towing assistance for your vehicle during an emergency
  • Transfer of ‘No claim bonuses’ to any other insurance provider.
  • Toll-free facility for assistance by customer care executives when you need it
  • Claim finalization or settlement will be reported within 7 working days from the date of receipt of all the documents.


  • No Claim Bonus (NCB) cover is Up to 50%
  • Personal accident cover for all passengers and paid driver up to Rs. 50 lakh
  • Legal Liability for paid driver
  • Legal liability for passengers
  • Comprehensive cover for electrical/electronic/non-electrical fittings
  • Cover for CNG kit and Bi-fuel system.
  • Damages sustained by the insured car due to fire, ignition, or explosion
  • Accidental damage caused due to external force or act
  • Natural calamities like storms, floods, typhoons, etc.
  • Burglary, theft, housebreaking, etc.
  • Act of Terrorism, and malicious acts.
  • Any legal liability arising out of damages caused to third-party property, vehicle or injury, or death claim in case of life
  • Personal accident cover.
  • Hassle-free Claim Process
  • Anti-theft Devices
  • Quick Survey
  • Towing Assistance (for Accidents)
  • Roadside Assistance
  • Future Xpress and Xpress+
  • Convenient policy processing with minimal documentation
  • Instant issuance of your policy
  • Hassle-free experience getting your car insured.
  • Minimal Documentation
  • Protection from inflation (No need to pay an extra amount even increase in Third Party premium)
  • Quick claim settlement
  • Vehicle replacement value plus
  • Quick Claim Settlement Process within 10 working days.
  • Instant policy
  • Get a soft copy of the policy instantly to your mail
  • Customer-centric approach
  • Customer service assistance with online support to the customers
  • Easy claim settlement
  • Get a personal accidental cover up to 1 Lakh.
  • Get your claim settled without any hassle within 7 working days.
  • Online policy issuance and renewal
  • 24x7 spot assistance available
  • Self-vehicle survey and instant claim settlement with Motor-on-the-spot.
  • Free roadside assistance
  • Automobile association of India membership discount
  • Voluntary deductible discount.
Accessibility Online through
PolicyBachat & Future Generali Website.
Online through
PolicyBachat & Royal Sundaram Website.

PolicyBachat insurance market is huge and offers a wide range of car insurance plans at economical rates. At present, several insurance companies provide reliable car insurance plans. The insurers offer unique features and personalized facilities to cater to different sorts of customer needs.

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Specifications Future Generali Royal Sundaram
24*7 Road Side Assistance Covered covered
Engine Protection cover covered Not Covered
Key Replacement Not Covered Covered
Max Personal Accident cover Rs. 15 lakhs Rs. 15 lakhs
ARAI Approved Anti-Theft Device Covered Not Covered
Coverage against Theft Covered Covered
Coverage against Natural and Manmade disasters Not Covered Covered
Third party Liability Covered Covered


However, every car insurance company is different as it varies from individual to individual depending on their requirements. For some People, a car insurance company that has the highest claim settlement ratio is the best, while for others the insurance company which has a wide network of cashless garages is the best. Thus, there are a number of parameters that make an insurance company the best for everyone needs.

By comparing the car insurance quotes makes it easier to choose between the both. The PolicyBachat website is a single platform to compare different Car Insurance companies. Your car deserves the best Insurance coverage that will safeguard your vehicle from all damages and also save you from burning a hole in your pocket.

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