Future Generali Car Insurance
Future Generali Car Insurance
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Future Generali Car Insurance

Future Generali India Insurance is basically a joint venture between the Future Group and the Generali Group, which is a 184-year-old global insurer featuring among the world's 50 largest companies. The company was established in September 2007 with the main objective of serving a country that had high hopes of quick expansion. Future Generali India has suitably benefitted from a network of Future Group, the Indian proficiency and the global insurance insight in the diverse product. The company's vision is to actively protect and enhance people's lives.

Types of Plan - Future Generali Car Insurance Plan

Future Generali has come out with a suitable car insurance plan. This plan is designed to easily go well with your needs.

Future Motor Secure

Future Motor Secure is a comprehensive car insurance policy that takes complete care of your own vehicle along with the third-party liability.

What it covers?

  • Vehicle Damage
    It offers coverage against all damages to your vehicle in case of an accident, theft, burglary, or even housebreaking. It provides coverage to your vehicle in case of fire, self-ignition, lightning, explosion, strike, riot, malicious act, earthquake, flood, cyclone, terrorism, and inundation. It also includes coverage against vehicle damage caused while in transit by elevator, air, road & rail.
  • Third-party Liability
    It is designed to offer coverage against third-party liability on account of the death/bodily injury to any third person or damage to its property. This policy will also be there to cover legal expenses that might occur to defend the claim. In India, it is compulsory to have this insurance cover to drive legally.

Key Benefits of Future Generali Car Insurance Policy

This insurance provider is having the time of its life. Why? It offers various benefits to its customers which allows them to be loyal to the company. Such benefits are jotted down for your convenience.

Zero Depreciation cover

Zero Depreciation Cover

A damaged part of your car is a liability. It is better to replace it at the earliest. The entire cost associated with the same will be liable to get the cover.

Cashless Facility

Cashless Facility

This plan comes out with the feature of cashless service (900+ network garages) that allows you to get the repairs done without paying any penny from your pocket.

Roadside Assistance

Roadside Assistance

Future Generali Car Insurance offers towing facility with other services which can come in handy while you are driving on the Indian roads.

Replacement Covers

Replacement Covers

This feature is designed to take care of repair service and replacement of your car, but it can vary from plan to plan.

Return To Invoice

Return To Invoice

The company will offer the full value of the damaged car. As an insured, you can take advantage of this feature in the first year of the policy.

Loss of Personal Belongings

Loss of Personal Belongings

Under the same, you will get additional benefits like coverage to personal belongings (including electronic items from the locked car), etc.

Claim Assistance

Claim Assistance

To provide more ease to its customers, the company offers a convenient claim settlement process. They have hired & trained a dedicated team just to handle your queries while seeking the claim.

Personalized Services

Personalized Services

The plan also comes out with personalized service & enhanced touch points using Future Xpress & Future Xpress+ claim process.

In-house Surveyors

The company has a team of in-house surveyors for quick & hassle-free claim settlements.

Personal Accidental Covers

Personal Accidental Covers

You will be eligible to get personal accidental covers for named & unnamed occupants.

No Claim BonusUp to 50%
Cashless Garages900+
Towing FacilityAvailable within city limits
Personalised servicesFuture Xpress & Xpress+
Roadside assistance24*7

Add-on covers - Future Generali Car Insurance

Depreciation Cap

You get this benefit against the depreciating value of the vehicle parts to get the full claim amount.


You will be reimbursed (maximum amount of Rs.3000) with the cost incurred in purchasing consumables for the vehicle.

Personal Accident

This benefit will offer a cover (up to 50 lakhs) to the owner of the policy.

Loss of Personal Belongings

It will protect against the loss of your personal belongings (up to Rs.50,000) kept in your vehicle.

Loss of Keys

The replacement cost (up to Rs.50,000) of keys will be taken care of by this policy.

Inconvenience Allowance

If your vehicle breaks down, you don't have to worry about the transportation cost because you will get a daily allowance of Rs.3,000 for 15 days.

When Can Future Generali Slam Its Door On Your Face?

  • If your car has met with an accident because of an electrical/mechanical breakdown, its damages will not be taken care of.
  • Drunk driving/drug overdose leading to damages will not be eligible for coverage.
  • Normal wear & tear of the car because of its age is not covered.
  • Presenting an invalid license while claiming accidental damage is not covered.

The exclusions may not make much sense to you but they are important. Getting a brief understanding of car insurance will help you to gain a perspective.

Future Generali Car Insurance Renewal

To better serve its customers, the Future Generali Car Insurance has come out with its online portal that offers easy access to purchase/renew its policies. With this, you don't have to travel the distance & wait for your chance at the company's office.

Key Features- Future Generali Car Insurance Renewal


Easy and Hassle-Free: The company has excluded various roadblocks to design an easy & hassle-free process for its customers. Now, car insurance shopping is fun too.


Wide Coverage: Online plans do come out with a wider coverage which makes sure to offer 360-degree coverage.


Freedom to Choose: Online portal allows you to thoroughly check each aspect of the plan and make the decision accordingly.


Affordable: Online policy renewal is a cost-effective method as it guarantees policies of affordable prices without compromising the benefits.


Add-ons: Several add-ons are provided to enhance the basic car insurance cover. You don't have to pay a huge premium for it.


Less Documentation: Documentation via an online portal says ‘Bye-Bye' to tedious & long paperwork which saves a lot of time.

How to Renew Future Generali Car Insurance Online?

  • Visit our quote section at the top of this page.
  • Fill your basic details in the form.
  • Check plans on the basis of features coverage, premium, etc. and choose the adequate one.
  • Make the payment using online payment modes.
  • In case of any issue, talk to our experts.

Key Factors of Premium Calculation

Insured Declared Value (IDV) is the sum insured of the vehicle and is calculated on the basis of the seller's listed selling price of the car after deducting the depreciation cost for years of use. You need below-factors at your disposal to correctly calculate the premium.

  • Age of the vehicle
  • Cubic Capacity (CC)
  • Geographical zones
  • Make and model of the vehicle
  • Special discounts and loadings, if any
  • No Claim Bonus

Premium Samples of a few companies

Reg. YearCar Model VariantPremium
2019FIAT PALIO D1.9 EL PS Diesel (1910cc)Rs 40,782 (with zero dep)
2019FORD FIGO1.2 DURATEC PETROL LXI Petrol (1196cc)Rs21022 (with zero dep)
2019HONDA MOBILIO1.5 E i-VTEC PETROL Petrol (1497cc)Rs21202 (with zero dep)
2019VOLVO V402.0 CROSS COUNTRY D3 Diesel (1984cc)Rs91643 (with zero dep)

Documents Required For Future Generali Car Insurance

  • Original/Copy of the registration certificate.
  • Copy of invoice & proof of payment (for new car purchase).
  • Original/Copy of driver's license issued by the competent authority.
  • Proof of address and contact details.
  • Copy of PAN and/or identity proof.

Claim Process

The first step towards filing a claim is to inform the insurer about the incident. You can do the same with the help of SMS. FYI, the claim form is available on the website.

Keep Your Details Ready

Once you have informed Future Generali, you will have to submit the following details:-

  • Policy number.
  • Your name and contact number.
  • Name of the person who was driving at the time of the accident.
  • Description of the accident and where it took place.
  • Time and date of the accident.
  • Location of your vehicle.

Submit Your Documents

The next step is to submit the below-listed documents:-

  • Copies of the insurance policy, RC book and driving license.
  • Photos of the vehicle.
  • Estimate of the damage.
  • Bills of survey fees.
  • Survey reports.
  • Re-inspection report and supplementary report.
  • Invoice of the final repair.

With the customer's convenience in mind, the entire claim process is designed to offer the best at Future Generali's disposal.

Future Generali Car Insurance Review

Future Generali Car Insurance Company is one of the most popular insurance providers in the industry. With trust and useful policies, the company has managed to top the charts in a small period of time. The company offers a wide range of insurance policies to make its customers happy. Indeed, it is a trusted insurance company which is perfect to become your car's insurance policy.

Future Generali Car Insurance - Faqs

Yes, you can easily buy the desired car insurance policy online with the help of the Future Generali online portal. With the same, you will be able to save time and money as well.

  • The choice to buy online, with an instant policy issue.
  • Robust, 24x7 accessible customer support that includes claims registration.
  • Cashless repairs at the network of approved garages.
  • Claims survey.
  • Claims settlement within 7 working days.
  • Automated Reminder Service.
  • Towing services

In the case where you or your bike met with an accident and caused damage to the third part, then you can contact customer care instantly and can report about the incident. You will be guided by a Future Generali executive who will assist you in the whole process.

The insured vehicle will be taken as Constructive Total Loss if the total cost of the repair or retrieval of the car.

In India, there are basically two forms of car insurance policy that you can purchase. Comprehensive Motor Insurance policy or Third Party Insurance policy. Under a comprehensive insurance cover, you will get coverage on own vehicle and third party liability also. Third-party insurance is liable to offer third party liability only. It is compulsory to have a valid third party car insurance according to Govt. of India.

IDV is basically the existing market value of your car's current market value that is fixed on current/ ex-showroom price - Deprecation value or Mutual understanding between the policyholder and insurance company for vehicles above 5 years or obsolete model.

Suppose, you met with an accident and the repair amount comes up to Rs 5000 then you have to pay around 1000 or 2000 rupees as a compulsory deductible or compulsory excess.

Many insurers have defined a period for which the insurance cover is applicable. Both the policy start date and end date will be mentioned in the policy's documents. At the end of the policy, you have to renew the same for further insurance cover.

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Last updated on 30-12-2019