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Future Generali Comprehensive Car Insurance Overview

There are types of Future Generali Comprehensive plan

Comprehensive package policy

This policy has a wider scope of coverage. It covers both third party liability as well as the damages suffered by the car. The coverage benefits include the following-

  • Financial liability faced if any individual is killed due to the car
  • Financial liability faced if any individual is physically hurt due to the car
  • Financial liability faced if the car damages any individual’s property
  • Damages faced by the car due to natural disasters like earthquakes, floods, landslides, road slides, cyclone, storm, etc.
  • Damages faced by the car due to man-made disasters like fire, malicious acts, riots, strikes, etc.

Future Generali Claim Settlement Ratio


Future Generali


Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Future Generali has a claim settlement ratio of 93%, as compared to the industry average of 94.67%.

Future Generali Premium Calculator

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Add-ons Available Under Future Generali Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. Future Generali Car insurance plans offer the following types of add-ons with the comprehensive policy:

This add-on pays the full claim amount without deducting the applicable depreciation on the policy. Depreciation is applicable to the parts of the car which are damaged and are being repaired or replaced. This depreciation reduces the number of claims payable. But when you buy this add-on the depreciation is not deducted from the claim amount. The entire amount of claim is paid.

This add-on pays the invoice value of the car if the car is completely damaged or if it is stolen. The invoice value would include the first time registration charge of the car, road tax and customs duty paid on the car.

No claim bonus is allowed under car insurance policies if you do not make a claim in the policy. This bonus allows you a premium discount and the discount increases with every successive claim-free year. However, if you make a claim, the entire no claim bonus would become zero. This add-on protects the accumulated no claim bonus even if there is a claim under the policy.

If the keys of the car are lost or stolen, you get the coverage for the cost of replacement of the keys.

If your laptop and/or mobile is stolen while placed in the car, the cost of replacing the stolen items would be covered under the policy.

Coverage is allowed for replacing the tyre when it bulges, bursts gets punctured or gets damaged due to any other reasons.

When the car is being repaired, this add-on pays you a daily cash allowance for covering the costs that you incur in the absence of the car.

This add-on covers the loss or damage suffered by the car’s engine and/or gearbox due to water seepage or leakage of engine oil.

This cover pays a lump sum benefit in case of accidental death of the owner/driver of the vehicle. Moreover, the damages of the car are also covered under the policy.

If your car breaks down on the road due to mechanical and electrical breakdowns, towing due to an accident, flat tyre, dead battery, locked-in keys, running out of fuel or contamination of fuel, the coverage gives you round the clock help.

This coverage provides you with advanced coverage benefits when your vehicle breaks down. The coverage is allowed for the following –

  1. Continuation of the journey to your destination
  2. Local travel facility when you are on a trip
  3. Cost of overnight accommodation in a hotel when you are on a trip
  4. Delivery of your vehicle
  5. Medical coordination in case you need medical assistance
  6. Urgent message relay

How To Raise A Claim Under Future Generali Comprehensive Car Insurance

For own damage claims

  1. Inform the insurance company immediately of the claim. If your car has suffered any damage, the insurance company would tell you the location of the nearest preferred garage wherein you would be able to avail cashless repairs
  2. Take your car to the preferred garage mentioned by the company for cashless repairs. In case your car cannot be driven to the garage, the company would also arrange for a towing facility for the same
  3. At the garage, the insurance company’s surveyor would come and assess the extent of loss that the car has suffered
  4. The surveyor would, then, prepare a claim report and an estimate and submit the report and the estimate to the insurance company
  5. The company would then approve the claim
  6. Once the claim is approved, repairs on the car would begin
  7. When the repairs are completed, the repair costs are settled directly by the insurance company and you can take the delivery of the car

For third party claims

  1. If there is third party damage, the police should be informed immediately along with the insurance company
  2. The claim would then be taken to the motor accidents tribunal which would decide the financial liability that is payable
  3. The liability would be paid by the insurance company and the claim would be settled

For theft of the car

  1. If the car is stolen, the insurance company and the police should be informed immediately
  2. The police would try and locate the car. If they are unable to do so, they would issue a non-traceability certificate
  3. This certificate would then be presented to the insurance company and the company would settle your claims

Alternatively, you can also avail claim settlements through Turtlemint. If you bought your Future Generali car insurance policy through Turtlemint, you can inform Turtlemint and the company would then help you in getting your claims settled. Turtlemint has a claim handling team which handle the claims of their customers. You can get in touch with the company’s team of claim experts through their number 1800 266 0101 or post an email to the claiming team at their ID claims@turtlemint.com. Once the team is informed of your car insurance claim, they would take up the claim process on your behalf and coordinate with the insurance company to get the claims settled.

Documents Required For Claims

To buy a car insurance policy from Future Generali, you would have to submit the below-mentioned documents

  1. RC book of the car
  2. Driving license of the person driving the car
  3. Copy of the car’s PUC certificate
  4. Your KYC documents which include your age proof, identity proof and address proof
  5. Policy bond in original
  6. Claim form which should be filled and signed
  7. Police FIR for third party and theft claims

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