Find Out How Motor Insurance Works for You?
The difference between driving safe and driving secure
Your car is your pride, a source of joy and your delightful getaway from the mundane life. Imagine if something untoward happens to your car? Behind the wheels, you are a careful driver. However, your car’s safety is not only in your hands. With us, you choose not only a reliable partner but a fast and secure experience for your car.
Benefits of Buying Car Insurance Online
Quick turnaround time & total reliability of service makes this product ideal for you
Get policy instantly with cashless/direct settlements
Customer service and claims registration with Helpline numbers
Automated renewal reminder service
Get towing assistance (within city limits only) for accidents
Claims survey is quick
7 Days, All Done
Just 7 working days for claims finalisation
Car Insurance Policy Features
- Motor Add-ons
You can now opt from a range of comprehensive additional covers on payment of a nominal premium. Come discover how much we take care of you. Be safe. Be assured. Know More
- Roadside Assistance
Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7. Know More
- Future Xpress & Xpress+
A simplified process to offer you a more personalised service at the same time smooth and speedy claims settlement. Know More
Motor Insurance Coverages
In the event of ordinary losses/damages to your car, regardless of who is at fault and where the accident took place, a wide variety of cases, from broken windows to theft or destruction is covered.
Personal Accident Cover
A compulsory Personal Accident cover of Rs. 1 lakh is available for individual owners of the car while driving (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
Any legal liability that you may incur due to the death of or bodily injury to a third party or damage to the property of a third party while using your car, is covered. The policy also covers the legal expenses you might incur to defend this claim. This is a mandatory insurance coverage for your car.
Additional Legal Liabilities
The following additional legal liabilities may also be opted for at an additional premium -
- Paid driver/conductor/cleaner employed in operation of the car.
- Employees travelling in/driving the car other than paid driver.
- Non-fare paying passengers.
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
How Can You Buy Car Insurance Online
Buy your brand new Car Insurance online or renew your existing policy from any insurance company in less than 10 minutes with us.
- Get an Online Quote
It takes just a few minutes to generate your quote online.
Get your Car Insurance quote
- Gather some basic information about your car and create your profile
a. Chassis Number
b. Engine Number
c. Registration number
d. Make, model and year of manufacture of your car
e. Expiry date of your policy as on the policy copy in case you're renewing
f. Applicable no claim bonus
- Review your Coverage and Deductibles
After reviewing your quote, you can make changes to your coverage if required.
- Complete your purchase
After you confirm to the premium to be paid and agree to the terms & conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely & conveniently in easy steps and you are done.
- Download your policy
You can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided in your profile.
Here are the steps to buying online:
What happens next after you have purchased
When you become a Future Generali Customer, you will receive a policy kit containing the following:
Endorsement form - In case, you wish to make any changes to your policy document, fill in the service request form and submit it to the nearest branch.
- Claim form
You can intimate your claim online or submit the form to your nearest branch or alternatively email it to us.
- Complaint/feedback form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
- Grievance Redressal
Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.
Making a claim
At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:
Our in-house claim settlement team processes your claims within 7 working days from the time we receive your claim intimation form along with required documentation. Find out more about how to make a claim or check out our claim process.
Cashless settlement in over 2500+ Future Generali convenient workshops.
Personalised service and enhanced touch points for smooth and speedy claim settlement using our Future Xpress & Future Xpress+ claim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy, you can call us on:
You ask. We answer.
Insuring your car against the risks of Third Party liability is mandatory as per Motor Vehicles Act 1988. Most private car owners however prefer comprehensive or package policy covering the risks of loss or damage to the car - Own Damage in addition to the Third Party Liability Risk.
Motor Own Damage Insurance is a form of insurance to help you in the event of damage to your car in an accident. Motor Own Damage Insurance covers a wide variety of cases, from broken windows to theft or damages arising out of an accident.
Motor third-party insurance cover, which is also referred to as the ‘act only’ cover, is a statutory requirement under the Motor Vehicles Act, 1988. It is referred to as a ‘third-party’ cover since the beneficiary of the policy is someone other than the two parties involved in the contract (the car owner and the insurance company). The policy does not provide any benefit to you. However, it covers any legal liability that you may incur due to death/disability of third-party and/or loss or damage to the third-party property while using the car.
Yes, it is compulsory to insure the Registered Owner of the vehicle against risk of Personal Accident only if he/ she holds a valid driving license. This cover is available on payment of a nominal premium amount.
Yes, it is possible to insure the paid driver (Legal Liability to Employees) under provisions of Workmen’s Compensation Act as amended. This cover is available on payment of a nominal premium amount.
Yes, they may be insured against risk of Personal Accident for a sum not exceeding Rs. 2 lakhs per passenger by paying an additional nominal premium.
No Claim Bonus is allowed to the Insured and not to the insured car. Hence, on sale of the car, the insurance policy can be transferred to the new owner but not the No Claim Bonus. The new owner has to pay the difference on account of No Claim Bonus for the balance policy period. The original owner can, however, use the No Claim Bonus from his old car (the one he has sold) to a new car purchased by him. For this he has to apply to the existing insurance company and get the No Claim Bonus reserving letter
For the Own Damage Claims Yes, you can opt for a cashless claim settlement if you approach our Future Generali Convenient Workshops for repairs to your car. In case you get your car repaired in a non-network workshop, Claims will be directly settled to you upon submission of all required documents with 7 working days.
Third Party claims are awarded by Motor Accident Claims Tribunals as per provisions of Motor Vehicles Act 1988 and settled by Future Generali.
Yes, you have to contribute a minimum amount towards own damage claims which is known as Deductible - e.g. Rs. 1000 for each claim for car with cubic capacity up to 1500 CC will have to be borne by you. In addition, replaced parts are subject to the depreciation scale (Refer Policy Wordings for the scale of depreciation applied for various parts) in the claim assessment. For e.g. 50% depreciation is applied on all the plastic parts.
Note: depreciation waiver cover can be separately opted. Zero depreciation add on cover is provided by Future Generali for vehicles up to the age 5 years.
Bonus and Discounts
No Claim Bonus
Did not make a claim during the policy period? When renewing the policy within 90 days of the expiry date, you will be offered a No Claim Bonus (NCB) with discounts up to 50%.
Transfer of NCB
You can transfer full benefits of No Claim Bonus when you shift your car insurance policy to another Insurance company.
Automobile Association Membership
If you are a member of a recognized Automobile Association in India, get additional discounts.
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