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Future Generali Comprehensive Car Insurance

Owning a car is now considered a convenience rather than a luxury. In fact, it has become a necessity in metropolitan cities since people here are always on the move. However, it is equally important for car owners to protect their cars from accidental damage. 

That’s where purchasing car insurance comes in handy! Not having one can lead to penalty and/or imprisonment as per the Indian laws. In addition, in case the fault is of the car owner, he/she needs to take care of the cost of injuries and damages caused to the third party. Nevertheless, purchasing only third-party car insurance is not enough! One must buy comprehensive car insurance, such as Future Generali Comprehensive Car Insurance, to leverage the benefits of advanced protection. This is because such options not only cover third-party losses and liabilities but also the damages caused to the car owner and his/her car.

Future Generali Comprehensive Car Insurance is a type of Future Generali Car Insurance that offers tons of benefits like roadside assistance, instant issuance, and hassle-free claim process, to name a few. The insurance is specifically designed to offer financial protection to the policyholder’s car against damages and injuries involved in the accident.

Moreover, it offers personalized services like the ‘Future Xpress & Xpress+’ claim facility, which carries out claim settlements and car repairs on priority. One can also add a wide range of add-on covers to enhance the coverage, such as engine cover, zero depreciation cover, consumables cover, and so on.

Features & Benefits Of Future Generali Comprehensive Car Insurance

The Comprehensive Car Insurance from Future Generali comes with its own set of unique features and benefits. Some of them are discussed below:

Discounts & Loadings:

The insurance will offer the following discounts and loadings to its policyholders:

NCB Transfer Benefit:

When the insurance is renewed by the policyholder with Future Generali, he/she can transfer the full benefits of the No Claim Bonus (NCB) from the previous car insurance company.

Voluntary Excess Discount:

In case the policyholder chooses a ‘Voluntary Excess’ (which is exclusively available for private vehicles and two-wheelers and is the amount of loss that the insured chooses to pay for themselves at the time of purchasing the insurance) along with ‘Compulsory Excess’ (the amount of loss that the insured must bear in every claim is known as the compulsory excess), a further discount on the premium amount will be given.

Anti-Theft Devices Discount:

If the policyholder has installed an ARAI-approved (Automobile Research Association of India) anti-theft device in his/her car, he/she will get a 2.5% discount on the own damage premium amount.

Automobile Association Membership Discount:

If the policyholder is a member of a recognized automobile association in India, he/she will also get an additional discount.

Renewal Reminder:

This added feature will remind the policyholders to renew their Future Generali Comprehensive Car Insurance before it is about to expire. This ensures that the customers’ policies won’t be lapsed.

No Claim Bonus:

A No Claim Bonus (NCB) is provided upon insurance renewal if the policyholder does not file a claim during the term of the insurance. This is a slab-based discount that rises to 50% if the policyholder has at least six years without filing a claim. NCB is only permitted if the insurance is renewed within 90 days of the previous insurance’s expiration date.

Roadside Assistance:

If the policyholder’s car breaks down in a place where there are no mechanics in sight, the Comprehensive Car Insurance by Future Generali will offer roadside assistance irrespective of the time or place. This feature ensures that the customers can have easy access to mechanics or any other kind of help.

Anti-Theft Devices:

The insurance is not just limited to repairs, assistance, and covering damages. When an individual purchases Comprehensive Car Insurance from Future Generali, he/she will get an ARAI-approved anti-theft device for his/her car. This ensures 360-degree protection against theft, thus offering the customer peace of mind wherever they go.

4000+ Partner Workshops:

The company has tied the knot with over 4,000 partner workshops across the nation. This means that the policyholders can repair their cars at any one of them without any hassles. 

Towing Assistance:

Accidents can be really traumatic physically, mentally, and emotionally. In such a pitiful condition, worrying about having your car towed might be a hassle. Therefore, Future Generali Comprehensive Car Insurance offers towing assistance for accidents irrespective of the location and time.

Future Xpress & Xpress+:

Motor insurance may take a longer time to settle due to various underlying reasons and it may be frustrating as a customer to wait in the long lines and settle claims. Thus, the company has designed two express claim services, namely Future Xpress and Future Xpress+, which offer on-priority claim settlements as well as car repairs.

Add-On Covers:

Apart from the above-mentioned features and benefits, the insurance also has the option to include the following add-on covers for enhancing the coverage:


What’s Not Included Under Future Generali Comprehensive Car Insurance?

Here are the expenses that are not covered by the insurance:

  • Normal wear and tear
  • General aging of the vehicle
  • Any accident that occurred outside the geographical area
  • Loss or damage occurred due to war, mutiny, or nuclear risk
  • Driving without a valid license
  • Driving under the influence of drugs or liquor

Buying Process Of Future Generali Comprehensive Car Insurance

To buy the insurance, one needs to adhere to the following steps:

  1. Visit the official website of Future Generali General Insurance.
  1. From the “Menu” icon at the top right corner of the page, select “Motor”.
  1. Scroll down and select “Buy Online” under the “Car Insurance” section.
  1. A page named “Get An Instant Quote” will be displayed on the screen. Enter a few details, like car model, registration place, registration number, pin code, year of manufacture, etc., and then press “Proceed”.
  1. Now the next page will generate several quotes as per the details given. Select the suitable quote and fill out the proposal form.
  1. Now pay the premium by any of the listed payment methods and the policyholders can download the policy in their inboxes.

Claim Process Of Future Generali Comprehensive Car Insurance

The company’s claim process is swift and short. The process is as follows:

Intimate The Company:

The policyholder can fill out an online form from the company’s website or call their toll-free number 1800-220-233.


A surveyor from the insurance company will then inspect the vehicle.

Documents Submission:

The policyholder now needs to submit all the documents as requested by the company’s surveyor.

Approval Of Amount:

The insurance company will then approve a claim amount, which will be communicated to the Future Generali (FG) workshop.

Direct Payment:

Once the approval is done, the payment will be made directly to the FG workshop.

Renewal Process Of Future Generali Comprehensive Car Insurance

For renewing the insurance, follow the below-mentioned steps:

  1. Pay a visit to the official website of the company.
  1. Press “Renew” from the top banner and then select “Car Insurance” under the “Motor Insurance” section.
  1. Enter your 8-digit policy number or vehicle number without any special characters and then press “Proceed”.
  1. You will now see the premium amount you need to pay for renewing your Future Generali Comprehensive Car Insurance. Make payment through any of the given methods.
  1. Once the payment is done, your insurance will be renewed and its details will be sent to you through the registered mail address or phone number.

Frequently Asked Questions

Yes, it is possible to purchase insurance for the paid driver under the requirements of the Workmen’s Compensation Act as amended (Legal Liability to Employees). The purchase of this insurance requires only a small premium.

Yes, you must pay a minimum amount towards your own damage claims, known as the ‘deductible’. For example, you must pay Rs. 1000 for each claim for a car with a cubic capacity of up to 1500 CC. Additionally, replacement parts are subject to the claim assessment’s depreciation scale (see the policy wordings for the scale of depreciation applicable to individual parts). For instance, all plastic components are subject to a 50% depreciation rate.

Yes. You can move your car insurance to Future Generali by obtaining a retention certificate from your prior insurance provider.

Your Future Generali Car Insurance’s premium is determined by a number of variables, including the Insured Declared Value (IDV), Cubic Capacity (CC), age, make, and model of your car, discounts and loadings, geographical zones, and no-claims bonus.

The company can offer the following help under the feature of “Roadside Assistance”:

  • Mechanical and electrical breakdown
  • Towing due to an accident
  • Flat tyre
  • Dead battery
  • Keys locked-in
  • Contamination or running out of fuel
  • Local travel when on tour
  • Continuation of journey
  • Vehicle delivery
  • Overnight accommodation expenses when on tour
  • Urgent message reply
  • Medical coordination

For more details, kindly refer to the policy brochure!