Future Generali Car Insurance Plans

Future Generali Indian Insurance - Car Insurance

Owning a car is a luxury in India. And a luxury that everyone wants. A car gives you wings to travel around in style. Convenience stands at your doorstep.

Give the most prized possession the care and protection it rightly deserves with Future Generali car insurance.

A car comes with an entourage of responsibilities. But most important among them is the car insurance paper that protects you against legal issues and financial losses. Future Generali Car Insurance Policy provides packages to protect against physical damage and third party liability, thus bringing you security as well as peace of mind. Future Generali car insurance guarantees hassle- free claim settlement that is reliable and fast.

Key Features and Advantages of Future Generali Car Insurance

Future Generali Indian Insurance Company is a joint venture between Future Group of India and Generali group of Italy. It has emerged as a trusted choice in the Indian market, mainly because of its focus on customer relationship, simplification of the claims process and quality. It provides the most comprehensive car insurance policies tailor- made for individuals who want a simple and scalable plan for their car.

  • A bundle of add- on covers available, which includes depreciation cover.
  • Easy steps to avail your Car Insurance and Car Insurance Renewal with Future Generali.
  • A time saving process. The requirement for documentation is minimal. And with an option to get the policy online, the process becomes even more effortless. An e- copy of the car insurance policy gets delivered straight to your email inbox.
  • Car insurance from Future Generali has a cashless claim network of 2000 plus workshops and garages
  • A distinctive feature of Future Generali is its automatic policy renewal reminder. It ensures that you never forget to renew your car insurance policy and stay protected.
  • Roadside assistance available 24x7 for your vehicle in times of emergency( within the city limits)
  • A ‘No Claim Bonus’ of up to 50% available on car insurance renewal. The bonus is transferable to any other insurance provider.
  • A wide range of significant discounts presented on car premiums insurance for establishing anti-theft gadgets as well as selecting for voluntary deductibles.
  • Future Generali Car Insurance Customer Care is 24x7 and round the year (including holidays) for all car insurance support and guidance. The claim assistance is provided by a highly trained and specialized team of customer care executives. The facility is toll-free.

What is covered in Future Generali Car Insurance

Vehicle Damage Cover

Future Generali car insurance policy ensures cover for ‘own damage’, that is, where the loss is in terms of your own vehicle. It covers the following causes for any damage incurred to your vehicles:

  • Self-ignition, fire explosion, or lightning
  • Housebreaking, burglary, or theft
  • Strike and riot
  • Earthquake( fire and shock damage)
  • Typhoon, food, storm, tempest, hurricane, inundation, hailstorm, cyclone, frost
  • Accidental external means
  • Terrorist activity
  • Malicious act
  • Rockslide, landslide,
  • Whilst in transit by road, inland- waterway, rail, lift, air or elevator

In all such cases, Future Generali Car insurance Policy will provide compensation for the loss or damage to the vehicle insured and/ or its accessories whilst thereon. The calculation will be based on the car’s Insured’s Declared Value( IDV) and depreciation related to its age.

Personal Accident Cover

A personal accident cover of Rs 1 lakh is available for individual owners/ drivers of the car in the event of death or a permanent total disability (Available only if the owner of the car holds a valid driving license).

You can also opt for a Personal Accident cover for passengers (named or un-named) up to a maximum amount of Rs 2 lakhs per person.

Third- Party Liability Coverage

Meant to cover any legal liability that you may incur due to the death or bodily injury to a third party, or damage to the property of the third party while using your car.

Additional Legal liabilities

An additional premium shall ensure cover against the legal liability of the following people:

  • A paid driver, cleaner or conductor, employed in the operation of the vehicle
  • Employees traveling in/ driving the car other than the paid driver
  • Non- fare paying passengers

Car Insurance Policy Plans Under Future Generali Motor Insurance

Future Generali India Motor Insurance has launched Future Express and Future Xpress+ to further simplify the process. Future Xpress guarantees a more customized service, with a special focus on repair service and reduced costs. Future Express+, on the other hand, is designed for customers who want instant loss assessment and claim realization.

Apart from these two, the following pre- defined bundles are offered to customers:

Silver Bundle

The silver bundle is the least expensive and most basic bundle offered by Future Generali.

Add- Ons Covered Under Silver Bundle

Zero Depreciation

Formulated to protect you against depreciating value of vehicular parts and ensure that you get the full amount claimed


You can get access to IDV( Invoice value+ registration+ road tax of the vehicle) under this cover


You will be reimbursed the cost earned in obtaining consumables for the vehicle, subject to a maximum amount of Rs 3000.

Gold Bundle

A step ahead from the silver bundle, the Gold bundle is costlier than the former but with an extensive list of benefits to protect you in contingencies concerning the insured vehicle.

Add- Ons Covered Under Gold Bundle

Apart from the add- ons covered in the silver bundle, the Gold bundle offers the following additional ad-ons:

Personal Accidents

This add-on guarantees a personal accident coverage of Rs 50 lakhs to the registered owner.

Loss of Personal Belongings

Provides cover for the loss of private belongings like mobile phones, laptops, from your car, up to an amount of Rs 50,000.

Theft or Loss of keys

Future Generali reimburses you the cost to substitute your Car locks and keys or locksmith charges, in case your car keys are stolen or lost.

Platinum Bundle

In comparison to the other two bundles mentioned above, a platinum bundle is the most expensive. However, it is the best you could give to your beloved car.

Add- Ons Covered Under Platinum Bundle

It covers all the add- ons of silver and golden bundle, and in additions, offers the following add-ons:

Inconvenience Allowance

Not having your vehicle can be inconvenient. Here is a cover that entitles you to an allowance of Rs 3000 on a per day basis for 15 days for a vehicle undergoing repairs on account of an accident.

Personal Liability

This add- on offers personal liability coverage of Rs 5 lakhs to registered owners.

General Exceptions in Future Generali Car Insurance Policy

  • The plans are valid only within India. The same are not valid for the use of the car outside the country
  • Any accidental damage occurred while the driver of the car was under the influence of drugs, alcohol or any other intoxicant
  • Any accidental loss directly or indirectly caused by or contributed to by or arising from nuclear weapons material
  • Any damage traceable to or arising out of or in connection with war invasion, the act of foreign enemies, hostilities or warlike operations
  • Any damage incurred by a driver of the insured car who does not have a valid driving license
  • Any expense arising out of a mechanical or electrical breakdown

Future Generali Car Insurance Renewal

Renewal of your car insurance policy is a quick and cost- effective process at Future Generali. It has an automated reminder service which ensures that the policy holders have ample time to renew their policy. It offers the service of a premium calculator to get a detailed information about the amount to be paid. One can even renew an existing car insurance policy from another company via the option available under the renew section of its comprehensive website.


Licensed by

CIN: U66000DL2011PTC214078

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