Future Generali Car Insurance

About Future Generali Car Insurance

The Future Generali India Insurance Company is a partnership between the legacy global insurance business called the Generali Group and a conglomerate of various leading independent businesses called the Future Group.

It offers several personal, commercial, retail, and rural insurance policies to people as well as enterprises. They offer many more features that make them a preferred choice of consumers. One insurance that you get several add-ons and assistance with is the Future Generali Car Insurance.

The Future Generali car insurance has over 2500+ partner workshops spread across India, making its availability more accessible for its customers. These workshops also provide cashless repairs and claim settlements.

They also offer the policyholders some amazing benefits like damage covering, third-party liabilities in case of property damage or injury to the other party, personal accident coverage, and legal liabilities to cover for paid drivers.

Key Features and Benefits of Future Generali Car Insurance Online

Future Generali offers its customers several benefits like car insurance renewal online that add to their overall experience. Here are other key features and benefits of Future Generali car insurance online:

• Add-on benefits improve your policy by adding multiple covers of choice like tyre damages and theft or loss of keys which are common issues but not covered by most car insurance companies.

• Hassle-free claiming to swiftly and easily claim for your damages through a short process.

• Instant policy issuance lets you issue Future Generali car insurance in a few simple steps and with minimum documentation requirements.

• Roadside assistance is available 24x7 so you are not abandoned on a vacant road.

• Renewal reminder at no extra cost to you. Moreover, you can renew your policy at the nearest Future Generali branch or even online.

• Towing assistance in case of accidents within the city limits to add to your experience with Future Generali.

• 2500+ workshops and garages in the network that avail Future Generali car insurance services throughout India.

• Future Xpress and Xpress+ for simplified claim settlements and personalised services.

Future Generali Car Insurance Add-Ons

Future Generali also lets you include various add-ons to your car insurance. You can get them with your new policy or add them during a renewal. Here are the add-ons Future Generali Car Insurance offers:

• Zero depreciation: Every commodity experiences a reduction in its value with time. Your car can lose up to 50% of its original price in ten years resulting in a lower claim amount. However, with Future Generali's zero depreciation cover add-on, they offer you the value before depreciation.

• Key theft or loss: You can rely on Future Generali's key theft or loss add-on if you lose your keys or it is stolen. They reimburse you for the new lock and key.

• Personal items loss: You can also claim your personal belongings through Future Generali car insurance if you lose them.

• Tyre damage: Tyres are prone to wear and tear with use. Future Generali tyre damage add-on covers the cost of tyre damage due to punctures, bursts, cuts, or accidents.

• No Claim Bonus protection: A no-claim bonus is removed from your policy as soon as you raise a claim. However, with the NCB protection add-on from Future Generali, you can get your NCB bonus even after claiming the amount.

• Engine protector: Your car cannot run without an engine. It may get damaged during an accident. With the Future Generali engine protector add-on, you get coverage for your engine and gearbox.

• Return to invoice: It is unfortunate if your car is completely trashed due to an accident. You get the difference in your insurance value and invoice of the vehicle with the return to invoice add-on.

• Inconvenience allowance: Personal vehicles are a convenient means of transport. But you can have travelling limitations while your car is at the service centre. Fortunately, with the inconvenience allowance add-on, you get per day allowance when your car is being repaired at a networking workshop.

• Legal liabilities: You are covered if the accident happens when your hired paid drivers or cleaners and employees commute in your car with the legal liabilities add-on. Non-fare-paying passengers are also included in this cover.

Future Generali Car Insurance Claim

You can file a claim if your insured car gets damaged during an accident or for other reasons accepted by Future Generali's terms and conditions. When you raise a claim, your insurer will give you compensation for the damage incurred. Knowing how to file a claim beforehand can reduce the time consumed in case of an unintentional mishap.

• You can go straight to the Future Generali website and quickly claim your amount.

• Otherwise, you can visit the nearest network workshop or Future Generali branch in your city for the same.

• In case you want your car repaired in a service centre not included in the network of 2500+ workshops, you will get your claim on submission of the required documents done within seven days of the accident or damage.

• In case you are going to a networking workshop, you can get cashless repair while your claim is being processed. This reduces time consumption and adds to your convenience.

You can raise a claim request if you get in an accident and there is damage to your car. You can also raise a claim when you are injured.

Other scenarios for claiming insurance amounts are theft, fire, and some natural calamities. You can also raise a claim if a third-party incurred damages due to the accident if you have a suitable add-on.

How to file a car insurance reimbursement claim?

You can claim your Future Generali car insurance amount by visiting their website. You can also call their toll-free number– 1800-220-233 for assistance. Here is how you can file a car insurance reimbursement claim on the Future Generali website:

Step #1- Notify Future Generali: Visit the Future Generali website and hover over the claim option to get further choices. Next, click on a motor claim to initiate your claim process.

Step #2- Submit details: Provide all the details and click on submit. This will send a claim reimbursement request to Future Generali.

Step #3- Inspection: An inspector from Future Generali will visit to see the damages. The surveyor will send a report to the insurer so they can evaluate your claim insurance amount.

Step #4- Documents: Next, provide the requested documents to the inspector.

Step #5- Amount approval: The workshop will be notified of the approved claim amount.

Step #6- Payment: The workshop will be paid directly.

Documents required for cashless and reimbursement claims

Documents required for a cashless claim and a reimbursement claim are as follows:

• Filled and signed claim forms.

• Copy of your Future Generali car insurance policy.

• Copy of the driver’s licence driving the car at the time of the accident. Your original driving licence will also be required for verification.

• A police FIR if applicable.

• Copy of the registration certificate of your car or RC.

Future Generali Car Insurance Claim Rejection Reasons:

Some instances where Future Generali will reject your claim are as follows:

• Your car insurance policy is expired.

• You did not notify the insurer on time.

• The accident was a result of traffic rule ignorance.

• Your car was repaired before the surveyor inspected it.

• Valid documents were not provided to the surveyor for the driver driving during the accident.

• The driver was intoxicated and was still driving.

• There was normal wear and tear due to the vehicle’s age.

Future Generali No Claim Bonus

Future Generali offers its policyholders no claim bonus for the year with no claim. This is an added benefit that can reduce your policy cost in the following year.

The no-claim bonus benefit begins at 20% and can reach as high as 50% every following year if you do not claim for own damage. Nonetheless, if you do claim for the year but wish to get the NCB advantage, Future Generali has an attractive solution.

Purchase an NCB protection add-on with the next policy renewal to get the same benefits as a claim-free year even after taking up a claim.

Future Generali Car Insurance Premium Calculator

An online mechanism which helps in determining the exact premium amount of your car insurance is called Car Insurance Premium Calculator. By entering the basic details about your car, such as make and model and RTO location, you can get your insurance premium customised.

It becomes easy for you to pick up the ideal premium quote which matches your desired requirements using a car insurance premium calculator. Following are some of the fundamental steps to utilise the car insurance premium calculator:

• Select the Make, Model, Variant and Fuel type of your car.
• Select the location of registration and the year of purchase of your insured car.
• You are required to cite any claim demanded by you against your car in the previous policy tenure.
• With a simple click on calculate you can successfully acquire the correct Insured Declared Value (IDV) and the car insurance premium amount.

Benefits of Car Insurance Premium Calculator

Some of the commonly known benefits of the Car Insurance Premium Calculator are as follows:

• Correct premium amount- The premium amount evaluated by the Car Insurance Premium Calculator will guide you to determine the amount to be paid by you as your car’s insurance premium.

• Exact Insured Declared Value (IDV)- The compensation amount you receive if your car is stolen or it undergoes total loss is called Insured Declared Value. Car Insurance Premium Calculator helps in calculating the correct IDV of your car.

• Assisting in making informed decisions-.With the right knowledge about the IDV as well as the premium amount of your car, it becomes easy to make informed and calculative decisions.

• Formulate the best plan- Car Insurance Premium Calculator helps you to get a perfect deal for yourself. With the correct knowledge about the Insured Declared Value and the premium amount evaluated by the calculator, you can select the perfect premium quote very easily.

Future Generali Contact Details

You can reach out to Future Generali through-

• Their customer portal by signing into your account.

• Send an email to fgcare@futuregenerali.in for any queries.

• Send a “Hi” on WhatsApp at +91 7678006000 for chat solutions.

• Call on 1800 220233 for further assistance.

• Download the FG insure app at Google Play or Apple App Store.

Future Generali Car Insurance Policy Document

The Future Generali Car Insurance policy document is a cover that includes all the necessary information regarding the policy you are being offered by the insurer.

You can read it to understand the benefits that Future Generali will provide in case of an accident or any other unintentional mishap occurs.

It also includes all the terms and conditions of the insurer. You should be able to provide your insurance policy document at the time of claim reimbursement to get it successfully.

How to Download Future Generali Car Insurance Policy Online Using Policy Number?

You can easily manage and download your insurance policy documents after logging into your account on the official Future Generali website. Here are the steps to follow:

• Visit the official website of Future Generali.
• Go to the extreme right upper corner and log into your account.
• You will need the registered mobile number to log in.
• Once in your profile, you can easily download the policy using your policy number.

• You can also download their app FG insure on the Play store and Apple app store. Here you can manage and change the contact details of your car insurance policy. You can also download the policy here.

  How to Get a Hard Copy of Future Generali Car Insurance Policy

  You will get a hard copy of your insurance policy when you purchase it. Future Generali will send the copy to your mentioned address in the documents. You can also get a hard copy of your car insurance policy by downloading it from the official Future Generali website.

• Go to the Future Generali website.

• Log into your account.
• Once in your profile, you can manage your policy. You can also download a soft copy of your car insurance policy here.
• You can then take a printout of this policy to use it.
• You will get the option to print your document after you have downloaded it on your device.
  ### How Can I Make Changes In My Future Generali Car Insurance Policy Document? You can make changes to some details in your Future Generali car insurance policy for some details. You can achieve this through the online portal after logging into it or by downloading their app.

Some details that you can make changes to are-

• Your contact information such as your mobile number
• Your communication address
• Your email ID
  
  ## Future Generali Car Insurance Renewal

Your car insurance with Future Generali is only active for a fixed period of time. After this, you need to renew it to protect yourself against liabilities if any accident occurs.

You must renew your car insurance with Fture Generali within 90 days of its expiration. If you are not able to do so, you will have to purchase an entirely new car insurance policy. You also get benefits if you renew your car insurance with Future Generali.

These benefits include no documentation, 24x7 customer support, instant policy renewal, and transfer of the NCB discounts. You can renew your car insurance policy online or offline.

Here are the steps for the online renewal process-

• Go to the official website of Future Generali.

• Hover over the renew tab and click on renew your Future Generali Motor Policy Now option.

• Enter your policy number and its expiry date. Then click on the renew button.

• You can also change or add any details. Add your contact details.

• You will be redirected to the payment page where you can make online payments through your preferred option. You will receive a confirmation email and SMS on successful policy renewal.

Future Generali Third Party Car Insurance

A type of insurance cover or a kind of liability insurance provided by the insurer that protects the owner of the vehicle against any claims made by a third party vehicle, personal property and physical injury.

The Motor Vehicles Act 1988 has made it a statutory requirement. Although it does not provide any benefits to the owner, it, however, safeguards the insured against any liabilities for any kind of damage inflicted on the third party.

• It provides legal cover as well as comprehensive financial aid as it compensates all the expenses and provides protection against any legal liability if your vehicle causes death or a fatal injury to a third party.

• Personal accident cover in third-party car insurance will help you neutralise any personal injuries in the case of an accident.

• Third-party insurance is easy to access, purchase or renew. The process is comparatively quick and simple.

• Third-party car insurance is cost-effective and beneficial in terms of premiums that ensure peace of mind for the vehicle owner to deal with any such traumatic experience.

Future Generali Third Party Car Insurance Coverage

Third-party insurance ensures proper safeguards against unplanned and unexpected damage. It covers medical expenses, property damage, and protection from accidental or legal liabilities from a third party.