Future Generali Two Wheeler Insurance
Future Generali Two Wheeler Insurance
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Future Generali Two Wheeler Insurance

Future Generali is a well-known brand in the general insurance industry. The company was established in September 2007. It is a joint venture between the Future Group of India and Italy based Generali Group. The partnership between these 2 groups continues to prosper in the life insurance business as well. Due to its retail network, the company has access to a large number of customers. It offers a wide range of insurance solutions ranging from retail, commercial, personal, and rural insurance to individuals corporate. Under personal insurance solutions, the company offers comprehensive two-wheeler insurance. It allows the customers to avail package cover including third-party liability.


Incurred Claims ratio


Cashless Garages




Table Data updated on 05-11-2020

Renew Through PolicyX.com

  • Scroll up to the 'Get Two Wheeler Insurance Quotes Online' section available at the top-right corner of this page and submit the required details of your two-wheeler. Don't forget to choose 'Renewal Option' and acknowledge whether it is expired or about to expire.
  • Click on the tab 'Continue'. Now, you will receive a list of two-wheeler insurance companies. Select Future Generali Two-wheeler Insurance policy that you want to renew.
  • Verify the premium details. You can also enhance the cover with the help of add-on covers by paying a nominal additional premium.
  • Pay the premium.
  • Our team will share your policy documents on your email address.

Renew Through Future Generali India Insurance Company

  • Visit the official website of the Future Generali India Insurance Company.
  • Take your cursor to 'Renew'.
  • Click on the tab 'Renew Now'.
  • Submit your policy number and expiry date of the plan.
  • Click on the tab 'Renew Policy'.
  • Check the details & premium of the plan.
  • Make the payment with the help of available digital payment modes.
  • The company will send the policy documents on registered email.

Future Generali Two Wheeler Insurance Company Benefits

Future Generali India Insurance Company has come out with a wide range of helpful benefits. Below is a list of such benefits for your perusal.

Instant Issuance: With the online process, the company allow you to insure your two-wheeler within a few minutes.

Personal Accident Cover: The company offers a personal accident cover of Rs.15 lakhs to the owner of the two-wheeler. He/she can also opt for a personal accident cover for passengers up to a maximum amount of Rs.2 lakhs per person.

Convenience of Buying a Long Term Policy: The company allows you to insure your two-wheeler for a longer tenure.

24*7 Assistance: To assist you in the hour of need, the company provides 24*7 customer assistance. No need to look at the watch before connecting with the team.

Personalized Services: The company offers unique personalized services called Future Express & Future Xpress+ claim process. It assists you with a smooth and speedy claim settlement service.

Towing Service: The company offers towing assistance (within city limits only) for accidents.

Automated Renewal Reminder Service: To assist you with the timely renewal of your policy, the company makes sure to inform you about the same in advance with an automated renewal reminder service.

Future Generali Two Wheeler Insurance: Discounts

To provide more ease to its customers, the company provides several discounts that are mentioned below.

1. No Claim Bonus: If you have not made any claim during the policy tenure, the company will provide a no claim bonus (up to 50%) at the time of renewal. But it is applicable only when you renew your policy on time or within 90 days of the expiry date.

2. Transfer of NCB: The company allows you to transfer full benefits of No Claim Bonus on porting your two-wheeler insurance policy to another insurance company.

3 .Voluntary Excess Discount: You can opt for Voluntary Excess over and above the Compulsory Excess. This is an amount which you promise to pay in case a claim arises. Under the same, you will be liable to receive a discount that depends upon the chosen amount.

4. Automobile Association Membership: If you are a member of a recognized Automobile Association in India, you will get a discount of 5% (maximum Rs.200).

5. Anti-theft Devices: If your two-wheeler is fitted with ARAI approved anti-theft devices, you can grab decent discounts for the same.

Future Generali Two-wheeler Insurance: Add-on covers

The company allows you to enhance the basic cover by buying add-on covers at an additional premium. The list of such add-on covers is mentioned below.

  • Zero Depreciation Cover: With this cover, you can avoid depreciation charges and can get the entire claim amount.
  • Roadside Assistance: This cover is liable to offer roadside assistance that provides much-needed help (refuelling, tyre puncture, etc) while driving on the Indian roads.
  • Return to Invoice: This add-on cover provides an amount equal to the purchase value of your two-wheeler in case of any big damage to your two-wheeler.
  • Loss of Keys: This cover makes the insurer liable to provide replacement cost of keys.
  • Engine Cover: It provides coverage against consequential damages to the engine and gearbox of the two-wheeler.
  • Daily Cash Benefit: This add-on provides a daily cash allowance to the insured when his/her car is in the garage for repairs.
  • Tyre Damage: It offers coverage against the replacement charges of the tyre in case of any tire damage.
  • Protection of NCB: This feature will retain the no claim bonus even after filing a claim.

How To Calculate The Two Wheeler Insurance Premium?

There are a few factors that you should keep in mind while calculating Future Generali two-wheeler insurance premium. Below is a list of such factors for your reference

  • Two-wheeler's age
  • The cubic capacity of the engine
  • City of the registration
  • IDV value of the two-wheeler
  • Type of coverage you choose
  • No claim bonus amount
  • Add-ons covers

Below is The List of a Few Premium Samples For Your Perusal.



Plan Type


Zero Dep*


Bajaj CT 100






Suzuki Access SE 125






Honda Unicorn






Bajaj Platina 110






Table Data updated on 05-11-2020

*The values are calculated on the basis of the city (Jaipur) and year of registration (2020).

Claim Process of Future Generali Two-wheeler Insurance

Future Generali India Insurance has made it easier to file a claim through its website. The company has divided the claim process into two formats- cashless and reimbursement. The process to file a claim with both formats is mentioned below.

Cashless Claim Process

Step 1: Initiate the claim through the official website or call on 1800 220 233 or SMS 'MOTORCLAIM' to 9222211100.

Step 2: The company will appoint a surveyor to inspect your two-wheeler.

Step 3: Submit the requested documents to the surveyor.

Step 4: The information about the approved claim amount will be shared with the network garage.

Step 5: The insurance company will make the payment directly to the network garage.

Reimbursement Claim Process

Step 1: Register the claim by visiting the official website of the company or call on 1800 220 233 or SMS 'MOTORCLAIM' to 9222211100.

Step 2: The surveyor (appointed by the company) will inspect your two-wheeler.

Step 3: Provide the required documents to the surveyor.

Step 4: Make the payment to the garage for your two-wheeler repair and submit the bills of the same to the surveyor or at the nearest branch.

Step 5: On approval, the insurance company will make the payment within 7 days from the date of submission.

What Are The Required Documents To File a Future Generali Two-wheeler Insurance Claim?

For a successful claim process, you need to submit the below-mentioned documents-

  • Policy documents
  • Driving license
  • ID proof
  • The claim form duly filled
  • RC copy of your two-wheeler
  • Repair invoice & relevant payment receipts
  • Estimates of the loss

Contact Details

Future Generali India Insurance Company Ltd.

Contact details: 1800 220 233 I 1860 500 3333 I 022 67837800

Email address: fgcare@futuregenerali.in

Address: Future Generali India Insurance Co Ltd.,

Indiabulls Finance Centre,

6th Floor, Tower 3, Senapati Bapat Marg,

Elphinstone Road, Prabhadevi (W),

Mumbai - 400 013.

PolicyX.com Insurance Web Aggregator

Contact number: 1800-4200-269/1800-4203-180

Email id: helpdesk@policyx.com

Registered Address: PolicyX.Com Insurance Web Aggregator Private Limited

1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.


Yes, you can insure the paid driver (Legal Liability to Employees) under provisions of Workmen's Compensation Act. For the same, you have to pay an additional premium amount.

Yes, you have to pay a minimum amount towards your own damage claims which are known as the deductible. You are free to choose the desired deductible amount.

Yes, you can do the same. You can register a new two-wheeler in the existing plan by replacing the old one.

Yes, there is no need for inspection if you buy two wheeler insurance online.

For every claim-free year, you can receive a no claim bonus of 20-50% at the time of renewal. This is a cumulative bonus that adds up for every successive year without claims.

The following events are not covered:

  • Mechanical/Electrical breakdown
  • Deliberate accidental loss
  • Consequential loss
  • Wear and tear, ageing of two-wheeler
  • Depreciation
  • Any contractual liability
  • Intoxicated driving
  • Damage caused while driving a two-wheeler without a valid license

Last updated on 05-11-2020