Future Generali Car Insurance

Future Generali Car Insurance Coverage:

Let's discuss what Future Generali provides in its car insurance coverage : 

• Vehicle Damage Coverage: This coverage is provided especially for an 'Own Damage' category where the loss is in terms of damage to your own vehicle. This damage can be caused due to any kind of mishap. Future Generali covers the following causes for any damage incurred to your own vehicle: 

1. Damage caused due to any accident, 
2. Burglary, 
3. Theft, 
4. Riots, 
5. Strikes, 
6. Explosions, 
7. House breaking, 
8. Lightning, 
9. Malicious acts, 
10. Floods, 
11. Cyclones 
12. While on transit by road, rail, air, lifts etc. 
13. In all such cases, the insurer will provide compensation for your loss and other expenses related to the damage of your car based on the car's IDV (Insured's Declared Value) and depreciation related to the age of a car. 

2.  Third-Party Liability Coverage: This coverage is basically meant for securing any liability related to legal charges or claims must be paid by you, in case you have incurred any damage to a third party. If the damage to the third party has resulted in death, injury or property damage to a third person, it will provide you coverage against the claim settlement and legal expenses, as mentioned by the law.

3.  Personal Accident Cover (Additional Coverage):It is an additional cover that is granted to the insured. In case of any personal accident, the individual owner of the vehicle will get an additional cover of Rs.1 lakh, provided that the accident occurred while he/she was in the driver's seat with a valid driving license.

4.  An additional cover of Rs.2 lakhs per person can also be claimed for named or un-named passengers, as protection against accidental expenses or losses.

5.  Additional Legal Liabilities: This coverage will be granted by paying an additional premium for the following persons: Now, moving towards some bonuses and discounts that may keep your premium on the lower side.

6.  Any person as a paid driver, cleaner or conductor, who is employed in operation of a vehicle is covered under this additional cover.

7.  Any employees who are travelling in the vehicle or driving the vehicle other than the paid driver are also covered under this plan.

8.  Any passengers who are not paying any fare for travelling in the vehicle.Therefore, these are the details of coverage provided by Future Generali in it's car insurance.

9.  All these coverage and additional covers seem advantageous as they cover almost everything in terms of own damage, third-party damage, personal accident cover etc.

Benefits Of Applying Car Insurance Online With Future Generali:

Applying for insurance online is beneficial in more ways than you can imagine. Now, you too can enjoy those benefits by applying for online.

Future Generali Car Insurance Add On Covers With Pre Defined Bundles:

In order to simplify the claim process, Future Generali India motor insurance has launched Future Express and Future Express+. Future Express is ideal for those who place priority on repair service, reduced costs and a more customized service. Future Express+, on the other hand, is ideal for those who want instant loss assessment and claim finalization, along with the option of choosing the workshop for repairing vehicles.

Apart from these two options, Future Generali India motor insurance offers insurance add-on covers with 3 different pre-defined bundles. These bundles are:

Silver - It offers Depreciation Cap, IDV and Consumables add-on covers.

Gold - In addition to the add-on covers offered under the Silver bundle, Gold offers Personal Accident, Loss of Personal Belongings and Loss of Keys add-on covers.

Platinum - In addition to the add-on covers offered under the Gold bundle, the Platinum bundle offers Inconvenience Allowance and Personal Liability add-on cover. These add on covers included in the bundles offered by Future Generali motor insurance are described below:

1. Depreciation Cap - This add-on protects you against the depreciating value of vehicular parts and ensure that you get the full amount claimed.
2. IDV - Through this cover you can get access to IDV (Invoice value + Registration + Road Tax of the vehicle).
3. Consumables - You will be reimbursed (maximum amount of Rs 3000) the cost incurred in purchasing consumables for the vehicle.
4. Personal Accident - This add-on provides a personal accident coverage of Rs 50 lakhs to the registered owner.
5. Loss of Personal Belongings - This add-on with protects you against the loss of your personal belongings kept in your vehicle, up to an amount of Rs 50,000.
6. Loss of Keys - You are insured against the loss of keys of your vehicle, up to an amount of Rs 50,000 by this add on.
7. Inconvenience Allowance - When your vehicle breaks down, you will not have to worry about transportation as this add-on entitles you to a daily allowance of Rs 3,000 on a daily basis for 15 days.
8. Personal Liability - This add on offers personal liability coverage of Rs. 5 lakhs to registered owners.

Documents Required For Future Generali Car Insurance:

Documents Required For New Car Insurance

1. Original/Copy of the Registration Certificate.
2. Copy of Invoice and proof of payment (for new car purchase).
3. Original/Copy of Driving License issued by competent authority.
4. Proof of address and contact details.
5. Copy of PAN and/or identity proof.

Future Generali Car Insurance Claim Process:

The claim process for Future Generali car insurance is very simple and involves only a few steps. These are listed below:

For commercial vehicles and theft claims, you will need to submit additional documents that are mentioned on the website. Once you have followed these steps, the claim will be processed. Since the claim involves multiple stakeholders such as company officials, surveyor, repairmen, etc. you must take the center stage, and ensure sound coordination until settlement of claim. Note down key contact details which includes the phone number for claims service center, and follow up at regular intervals(if required).

Future Generali Car Insurance Customer Care:

The toll-free numbers of Future Generali are 1860 500 3333 and 1800 220 233. You can call the customer care team of the insurance company at these numbers for any queries/clarifications or to report issues. You can also get in touch with the customer service team by sending an email on fgcare@futuregenerali.in. Another way in which you can contact the insurer is by initiating a chat with an online executive through the insurance company's website. This facility is available between 9.30 am and 6.30 pm on all weekdays.

The insurer enables you to send SMSs for specific services, following which a customer service representative will get in touch with you. The branch locator facility on the website enables you to get the addresses and phone numbers of the insurer's branch offices. You can also filter the branches by state or city.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017