Future Generali Online Car Insurance


Motor Secure

The difference between driving safe and driving secure.
You stop at every signal, you slow down when you are supposed to, and follow every rule to the letter.  Unfortunately, your vehicle’s fate doesn’t depend on you alone. Future Motor Suraksha takes care of any damage your vehicle might suffer. This plan, which is in its first year of operations; covers everything, including third party expenses. So now when you drive, rest assured; we take just as much care of your car as we do of you.


  • Instant policy issuance
  • Toll-free assistance number for customer service and claims registration
  • Prompt and timely claims survey
  • Cashless / direct settlement at our approved workshops
  • Claims finalisation within seven working days from receipt of all documents
  • Accidental towing assistance (within city limits only)
  • Automated renewal reminder service
Private Car Insurance


  • Vehicle damage: This benefit covers any damage to your vehicle on account of an accident, burglary, theft or housebreaking. It also protects your vehicle against damage due to fire, lightning, self-ignition, explosion, riot, strike, malicious act, terrorism, earthquake, flood, cyclone and inundation. This cover encompasses protection against any damage caused to your vehicle while in transit by road, rail, air, elevator and lift
  • Third party liability: This benefit protects you against any third party liability that you may incur due to the death of, or bodily injury to, any person; or damage to property. The policy also covers the legal expenses you might incur to defend this claim. This is a mandatory insurance coverage for your vehicle
Additional coverage’s

  1. Personal accident cover:

    The motor insurance provides compulsory personal accident cover of Rs. 1 lakh for individual owners of the vehicle while driving. This is not applicable for a Company owned Vehicle.
    You can also opt for a personal accident cover for passengers (named or un-named) up to a maximum Capital Sum Insured of Rs. 2 lacs per person

    • Available only if the owner of the vehicle holds a valid driving license.

  2. 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 vehicle.
    • Employees traveling in/driving the vehicle other than paid driver.
    • Non-fare paying passengers

Bonus and Discounts:
  • No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)

  • Transfer of NCB:You can transfer full benefits of No Claim Bonus when you shift your motor insurance policy to another company.

  • Voluntary Excess discount: A further discount on the premium is available if you opt for a Voluntary Excess (available only for Private cars and Two wheelers) in addition to the Compulsory Excess. (Compulsory Excess is the amount of loss which the insured has to bear in each and every claim.).

  • Automobile Association Membership:You can also avail of additional discount if you are a member of a recognized Automobile Association in India (available only for Private cars and Two wheelers).

  • Anti-theft devices: In case you have installed an ARAI approved anti theft device in your vehicle, you get a discount of 2.5 % on the OD Premium to a maximum of Rs. 500 for four-wheelers and Rs 50/- for two wheelers

Motor Add on

With growing needs and dynamic external factors, the regular car insurance is no longer sufficient. Future Generali offers you unique Add on covers for additional protection to your vehicles.

Plan Name Covers Optional Covers
Plan 1 Zero Depreciation
Loss of Keys
Loss of Personal Belongings
Roadside Assistance
Tyre Damage
NCB Protection
Engine Protector
Return to Invoice
Inconvenience Allowance
Plan 2 Roadside Assistance


The Company will indemnify the Insured in respect of the cost incurred by the Insured towards bearing the depreciation amount applicable under the Motor Comprehensive Package Policy for the Insured vehicle following an identifiable and admissible claim under the Motor Comprehensive Package Policy.


Under this cover you will be reimbursed with the cost incurred by you towards replacing Car keys, locks and locksmith charges following theft or loss of your vehicle keys Conditions

  • Replacement should be carried out in manufacturer’s authorized dealership/garages or
  • Company authorized garages
  • Each claim shall be subject to 10% co-share of the value of such replacement subject to a
  • Minimum of Rs 500/- by you
  • Allowed only once during the policy period.
No keys shall be deemed to be irrecoverably lost until 3 days after the loss date


This cover offers protection to your valuable personal belongings that are burgled or stolen from your locked vehicle including laptop and/ or mobile

  • Not applicable to theft from vehicles parked in No-Parking zone and from un-attended vehicle after accident
  • Current market value of the laptop or mobile will be the sum-insured for these items
Laptop is subjected to an excess of Rs 5000/- and others to an excess of Rs 500/-


This cover provides reimbursement for the cost of tyre including the air valve due to bulge, puncture, bursting, cut or damage arising out of an accident
Compensation will be as below:

Age of the vehicle Compensation
Less than 6 months 100% reimbursement of cost of new tyre
More than 6 months and less than 1 year 75% reimbursement of cost of new tyre
More than 1 year and less than 2 years 50% reimbursement of cost of new tyre
2 years and more NIL

  • Cover for only one event in the entire policy period; provided that the vehicle is not more than 2 years old from the date of manufacture.


Normally in case of a claim, the ‘No Claim Bonus (NCB)’ component of your car insurance policy gets impacted. However under this cover, the existing NCB can be retained at the time of renewal

  • Vehicle should be renewed with us
  • Only one single claim is lodged in the entire expiring Policy period
  • Insured vehicle is repaired in a Company Authorized Garage


The Company shall compensate for the consequential loss to the internal child parts of the engine and/or gear box of the insured vehicle arising out of:
   a. Water ingression
   b. Leakage of lubricating oil and/ or damage to engine and/or gear box of the insured vehicle arising out of leakage of lubricating oil due to Accidental means.


This cover pays the difference between the ‘claim amount receivable’ under the policy and the ‘purchase price of vehicle’ as per invoice in case the vehicle is declared a Total Loss or a Constructive Total Loss.
In case the same vehicle make and model is available at a lower price than the purchase price, then the lower price will be considered for arriving at the differential amount.

The cover also pays first time registration charges and road tax on the insured vehicle (applicable for the RTO that the registered address belongs to as per the Motor Policy)

  • Cover is available for vehicles up to 3 years old.


This allowance pays on per day basis for the period when the vehicle is undergoing accidental repairs in the garage as allowed by the surveyors
Allowance of Rs 3000/- per day is payable
Maximum period for which the allowance can be paid is 15 days with a time excess of 3 days

  • Repair should be carried out in FG preferred garages only.
Period that will be considered for arriving at the eligibility will be the date on which the job card is opened till the date the accidental repairs allowed by the surveyor is finished


1. Towing due to Accident/ Breakdown

  • If your vehicle is immobilized on a public road due to any accident covered by the Policy, we will
    • Arrange for towing of the insured vehicle to the nearest Company’s authorized repair shop/ garage.
    • Provide for custody and storage of the insured vehicle until the Repair shop/ Garage re-open, if such Repair shop/ Garage being closed due to holidays or night hours.
  • Exclusions
    • Cost of towing beyond 100 kilometers from the spot of such accident of the insured vehicle.
    • Any payment to a third-party for towing/ storage/ recovery by the Insured or on his behalf, unless specifically agreed by the Company.

2. Flat Tyre

  • If your vehicle is immobilized on a public road, due to a flat tyre caused by puncture of or damage to the tyre/ tube/ valve or bolts of the tyre, We will
    • Arrange for an automobile technician to attend to the insured vehicle on the spot of such event to replace the flat tyre with the spare tyre carried in the insured vehicle.
  • Exclusions
    • Cost of parts or replacement elements or consumables and their transportation cost to the site of immobilization due to flat tyre in case repairs are carried out on spot of immobilization.
    • Entire cost of Tyre Repair shop/ Garage’s bill, and their transportation cost to and from the site of immobilization if the flat tyre had to be taken to any Tyre Repair shop/ Garage for repairs.

3. Dead Battery

  • If the engine of your vehicle fails to start due to a dead battery, we will
    • Arrange for an automobile technician to attend to the Insured vehicle on the spot of such event, to help jump start the vehicle so that it can be driven on its own power on self-propelled basis to the nearest Repair Shop/ Garage.
  • Exclusions
    • Cost of parts or replacement elements, consumables and recharging of battery and its/ their transportation cost to and from the site of immobilization due to dead battery in case battery jump start could not be carried out on spot of immobilization.
    • Entire cost of replacement battery and its transportation cost to the site of immobilization if the dead battery had to be replaced by another.

4. Keys Locked-In

  • If your vehicle is immobilized on a public road, due to loss of its keys, or its keys being either locked inside the vehicle or broken, resulting in a situation where the Insured is unable to gain entry into the insured vehicle, we will
    • Locate and retrieve duplicate set of keys under due authorization of the Insured to do so, and deliver such keys to the Insured or his authorized representative upon production of personal identification and authorization.
    • Arrange for an automobile technician to attend to the insured vehicle on the spot of such event in order to attempt the opening of the vehicle door with normally available tools, if the Insured desires to attempt opening the vehicle, since retrieval of a duplicate set of keys would be time consuming.
  • Conditions
    • Personal Identification details of the insured matching with the Policy and vehicle records shall be produced for verification by the automobile technician, before any such attempt to reopen the vehicle is undertaken.

5. Contamination/ Incorrect or Running Out of Fuel

  • If your vehicle is immobilized on a public road at least one kilometer away from the nearest petrol pump, due to the insured vehicle running out of fuel, or the fuel in the insured vehicle being incorrect or contaminated, we will
    • Arrange for delivery/ replacing/ changing the fuel – as the case may be, up to a maximum of five liters- on the spot where the insured vehicle stands immobilized.
  • Exclusions
    • This service is not available if the Fuel type of the insured vehicle is other than Petrol or Diesel.
    • Actual cost of the Fuel.

6. Continuation of Journey

  • If your vehicle is immobilized on a public road, at least 50 kms away from the address of the Insured as appearing in the Policy Schedule, and On-the-spot repairs fails to mobilize the vehicle on its own power on self-propulsion basis, and it has had to be towed away to a Repair shop/ Garage for repairs, we will
    • Make arrangement for an alternate hired car/ taxi with capacity to carry all the occupants of the immobilized vehicle (subject to the maximum of licensed carrying capacity of the insured vehicle), for continuation of their onward journey or return home.
  • Exclusions
    • The Car hire/ Taxi expense beyond the first 50 Kilometers.
    • Any Car hire/ Taxi expense incurred by the Insured, if the arrangement of hiring such vehicle is done on his/ her own, without prior consent of the Company.

7. Local Travel when on Tour

  • If your vehicle is immobilized at a place, at least 100 Kilometers away from the address of the Insured and the vehicle is in a Repair shop/ Garage for repairs, we will
    • Arrange for an alternate hired car on best availability basis in that area, for the period the vehicle is undergoing repairs in the Repair Shop/ Garage but not exceeding 3 (three) days on 8 (Eight) hours/ 80 (Eighty) kilometer basis, to provide for the local travel of the Insured.
  • Exclusions
    • The car hire expense beyond the first 8 (Eight) hours/80 (Eighty) kilometers in a day.
    • Any car hire expense incurred by the Insured, if the arrangement of hiring such vehicle is done on his/ her own, without prior consent of the Company.

8. Overnight Accommodation Expense when on Tour

  • If your vehicle is immobilized at a place, at least 100 Kilometers away from the address of the Insured as appearing in the Policy Schedule, On-the-spot repairs could not be carried out , the vehicle has had to be towed away to a Repair shop/ Garage for repairs and the vehicle is not delivered back on the same day within close of business hours of the Repair shop/ Garage, we will
    • Arrange for hotel accommodation for the occupants of the vehicle for the period the vehicle is under repair in the Repair Shop/ Garage but not exceeding 3 days, subject to the following conditions:
      • The hotel accommodation will be provided on twin sharing basis for all the occupants of the immobilized insured vehicle
      • The cost of such accommodation will be subject to maximum of Rs 2500/- per person per night, but not exceeding Rs 25000/- per event.
      • This benefit will not be available, if the Insured is availing of the benefit of local travel when on tour.
      • Any hotel accommodation charges incurred by the Insured, if the arrangement of such accommodation is done on his/ her own, without prior consent of the company, will not be reimbursed.

9. Repatriation of Vehicle

  • If your vehicle is immobilized at a place, at least 100 kilometers away from the address of the Insured, On-the-spot repairs could not be carried out and had to be towed away to a Repair shop/ Garage for repairs, and the repaired vehicle was delivered after 3 days, the company will
    • Repatriate the repaired vehicle to the address of the Insured as appearing in the Policy Schedule.
  • This benefit is also available to any insured vehicle immobilized after an accident, at least 100 kms away from the address of the Insured as appearing in the Policy Schedule, and no Company’s authorized Repair shop/ Garage is available.
  • Exclusions
    • Any Repatriation expense incurred by the Insured, without prior consent of the Company.

10. Medical Coordination

  • If your vehicle meets with an accident, and any of the occupants gets injured, then We will
    • Provide for a conference call with nearest Medical Service Provider including an Ambulance service Providers.
  • Conditions
    • The cost of such service providers has however to be borne by the Insured. The Company shall however be in no way responsible for the quality of service rendered by such Service Providers

* For more details on terms and conditions, please call our Customer Care Executive or visit our nearest branch



Buy Online

Buy Online Car Insurance from Future Generali


Motor Express Claims
Choose a Plan from:

  • Dear Ajay,
    At the outset I would like to say that it was a wonderful experience, I had with regards to the insurance claim for my car (Maruti Swift).  ...more

    Raghavender Srirampur

  • Hi Abhishek,
    Though Rohan is still in hospital, I wanted to send you this note of thanks for your actively remaining engaged in helping the family   ...more

    Best Regards,
    Rakesh Kumar (India Human Resources)

  • Customer was mighty pleased and appreciated   ...more

    Transcript of VOC received on call from Mr. SalilPareshSawwashere

  • “Dear FG Team,
    I’m Prasanna called this morning to know claim process for my Car which met with an accident last night.   ...more

    Prasanna V Business Analyst

  • “To:
    All concerned with Future Generali Ins. Co. Ltd.   ...more

    Thanking you Mr. Ranjit& Future Generali Insurance Co. Ltd.
    Advocate Patel”

  • Dear Sir,
    I hope this mail finds you in best of your health and spirit.
    Mr. Samnan Shaikh assisted me with resolution of the complaint.  ...more

    Thanks and Regards,
    Chandra ShekharBhattacharjee

  • Dear Sir
    Policy no. 2014-A0298201-FPP
    We would like to thank the insurance company Future Generali, for   ...more

    Thank you
    Deepthi Reddy
    D/o RajgopalRajender Reddy

  • I am happy in the way which Viral took the responsibility of handling my claim complaint. I had initially approached my local branch for my claim   ...more

    Transcript of VOC received on call from: Mr.Vishesh

  • Respected Sir
    It’s after a long time I got an opportunity to send across a mail to you. At present I am writing this mail as a happy customer of Future Generali GIC. My car (Fiat) was insured with Future   ...more

    Best Regards,
    Ambili George

  • "We are very much thankful for your utmost co-operation and completed the settlement process of claims of my employees Within a very short period  ...more

    Venkat Reddy
    Company Secretary

  • We would like to express our gratitude to you and your team for all your support for the settlement of our claim in our film, “zindagiMileginadubara”  ...more

    Excel Entertainment Pvt. Ltd

  • Thank you for your kind co-operation. The efforts and the sincerity of your company need to get appreciation and will the name of the company be on my mind .  ...more


  • We would like to put on record our appreciation for the efficient handling of our claim for loss due to collision of MV Khalijia 3 by the entire team of   ...more

    Shanti SarupReniwal(Director.)

  • "We thankful acknowledge of receipt of Rs.9695500.00(Rupee ninty five thousand and five hundred only only)toward full and final settlement of our claim.we  ...more

    Ashok Gupta
    Managing Director

  • "We appreciate your sincere efforts in our claims and we are greatful to Future Generali people that they stand by us in our claims and help  ...more

    Tushar Desai

  • I would like thank you and your team member Prashant for the excellent service given to me with regard to inspection of my car and settling the valuation of my car on time. Special  ...more

    Vice President &Zonal Business Head

  • ……this is regarding my car claim (ford fiesta MH-04-DN-2688) recently lodged and cleared by your company…….the point of appreciation is the quick  ...more

    Pioneer Investcorp Ltd.,

  • Thanks both of you for settling my above said claim with in week. Really appreciate about your claim settlement process under future express. Thanks for co-operation and support.

    Reliance Life Insurance Company Limited,

  • This is regarding the claim settlement for my New Verna Car No . MH 01 AX 9005 !! I would like to Thank You for getting my car inspection  ...more

    Deeku Shah
    GokulWheelz&Accessoriez Pvt. Ltd.

  • First of all accept my vote of thanks from bottom of my heart for the help you have provided to our Bank and the family of the late staff memeberRajendraJagtap  ...more

    CKP Bank

  • I would like to thanks Mr.VivekanadSanghvi from the claim department for looking into matter, I am very happy with prompt response i got from your team, thank you very much.

    Praise on our Facebook page for the Claims Department

  • It was really nice to have you as a surveyor for the claim of my Vehicle MH 14 CC 6880 (Ford Figo).Though in this claim I had to pay around Rs. 17,000/- from  ...more

    Vishal Godhe

  • Never had a better service than yours, will always recommend people to buy your insurance. Thanks for your response.

    Sachin Fulfagar
    Pune MH

  • Thank you, I have received the Endorsement Letter dated February 09, 2011 today with my correct address. I am very satisfied with your prompt action.

    Dr Prasanta Sekhar Kundu

  • To appreciate that your officer Mr. Sameer has shown interest in my case. The points you have mentioned are noted and I will post the same as soon as possible. I  ...more

    Ansley Dias

  • Thanks for your prompt resolution. This is worth appreciation

    Vinod Bhat
    Jammu J&K

  • Thanking you for your kind cooperation and resolving my complain. It has given me a great pleasure and interest in you for future business.

    Anil Kumar Baveja

  • Thank you very much for your help. We really appreciate your help full attitude. Your politeness and positive attitude is well commendable

    K.K. Mahajan; Ashok Jairath

  • Thank you Sir, I don't really have words to thank to for taking so urgent action and provide me the NCB certificate required in my case. Now I also feel sorry to go to Govt. Insurance Company instead of my own earlier chosen Future Generali. Anyway thanks

    Kanhya Lal

  • Our sincere thanks to you and all other officials / staff concerned of FG, both at Chennai and Mumbai, who have helped in resolving the issue with lot of efforts  ...more

    Kartik and Chitra Alai
    Chennai TN

  • I appreciate your detailed reply, I feel little reassured now. I believe, the same attitude reflected in your e mails should be imbibed by your staff, particularly those interacting with customers and other stakeholders.

    Rohit Dalvi
    Mumbai MH

  • Thank you very much for quick action

    Aniruddha Kolte

  • Appreciate your timely intervention and help rendered. Thank you, especially the Gurgaon branch here


  • Thank you for the efforts taken and co operation.

    S. Santhanam
    Manager (Admin)

  • Thanks. I am very appreciate from your system and quick replay. I am fully satisfied from your service.

    Shailesh Joshi

  • Thanks to all the persons who were involved in my complain resolution. It was a pleasant experience. Thanks again for such  ...more

    Pallav Mishra
    Patna BR

  • I profusely thank you for resolving the issue to my entire satisfaction in a short span of time which shows the concern/caring nature of your esteemed Organisation towards the customers. My special thanks to Mr. Irfan Mulla for his inept handling of this case

    B. Krishnamurthy

  • Thank u for very much...for Ur effective result.

    Soloman Henry

  • I want to thank the team for the support during this painful crisis.


  • Thanks for your payment of my claim against cheque Nos. 289467 & 289468 of Rs. 184030/- & 8959/- received on 30.04.2011 & 05.05.2011  ...more

    Vikas Donvalkar
    Mumbai MH

  • Thank you very much for the assistance and I hope to get the same good customer satisfaction in future too.

    Binoy Thapa

  • I thank you very much for your immediate action on my telephonic complaint as regards delay in surveying my vehicle under policy cover note no. D1692404. At the  ...more

    Vijaykumar M.K
    Ravipuram Cochin; KL

  • I have received the cheque from our HR representative.I would like to thank to Ms. Seema Sunil and Dr. Dhannjay Chavan. I am really happy with the way of handling by customer care person Ms. Seema Sunil. The promptness is highly appreciable

    Anandakumar Marappan
    Bangalore KA

  • “This is SantanuBandyopadhyay, in reference to our discussion in your office, regarding the settlement of my insurance (Policy No - V1250942-FTW) claim.I would  ...more

    Santanu Bandyopadhyay

  • “We are very glad to inform you that you settled our Motor Claim No.CV146782, Vehicle No.AS01DC 7363 within very short time. We are  ...more

    For, Crystal Logistic Cool Chain Pvt. Ltd.

  • Thanks both of you for settling my above said claim with in week. Really appreciate about your claim settlement process under future express. Thanks for co-operation and support.

    Reliance Life Insurance Company Limited, Mumbai

  • We thank you very much for the claim settlement made to our client RB Creations and Ohm Knits Fashion.We place ...more

    Rama. Ramanathan
    Director - Operations

  • I am very happy to note the contents of Future Generali e-mail dated August 31, 2012 about settlement of my claim in five days after receiving my grievance letter. In the present day  ...more

    With Best Regards, G.N. Murthy,
    Sr. Manager, R&D and lab (retd.),
    HPCL Visakha refinery.

  • “To start with let me thank you all for the follow up and for resolving my problem. I appreciate the time taken by each of you to assist me.I am fully satisfied ...more

    Capt. Sorab Vesuna
    Samsara Shipping Pvt Ltd - Nhava Sheva

  • “Thanks a lot for such a prompt rectification of the complaint, hoping same cooperation and business in future.”

    Rahul Phade – Boisar

  • “Thanks indeed for your prompt action.
    I have enjoyed interacting with customer service and quite impressed with the service provided. Please take this on record.”

    Arup Bhattacharya-Mumbai

  • Hi FG,
    A Big thank you for de-stressing me by the kind words from your Customer Care Executive -Anita Mudaliar. It was great on your part to issue the soft   ...more

    Thanks and regards,
    Fredrick Jos - Chennai

  • “I really want to appreciate for your co-operation and dedication by which I am able to get my claim amount. Thank you for all your hard work.”

    S. VaraPrasad

  • Thanks for the kind Support provided. Much Appreciated

    Thanks & Regards
    Mr. Satish Gangadhar - Bangalore
    Intel Service – Line Leader; Strategic Outsourcing Delivery

  • Dear Team,
    “I appreciate your quick resolution & I am satisfied with your Grievance Redressal Officer services. Thanks to Mr. Irfan Mulla for kind help & support.”

    Ankit Gupta – Lucknow

  • Dear Anita,
    Thank you for the prompt response. I think I should have contacted the company directly.   ...more

    Harish Bindumadhavan- Advisor
    Deloitte Touche Tohmatsu India Private Limited – Bangalore

  • Sir,
    Thanks for the prompt follow up. All the best to you and your team. Keep it up.

    Mr. Alan Lawrence – Mumbai

  • Dear Sir/Madam,
    “Thank you for your kind cooperation and I promise you that I will have long term association with Future Generali Insurance Company with no doubt.”
    Thank you...............

    Mr. Shashidhar Dandin- Bangalore

  • “Thank you Rupali for processing this quickly and in an organized manner.”

    Mr. Sachin Kotian

Media & Communications

Shop for attractive insurance solutions inside a mall.

Secure Online Payment
Verisign Secured | MasterCard | VISA
Share / follow
Share  |  

Public Disclosure | Annual Report | Privacy Policy | Disclaimer | Customer Partner Caution | Glossary | Site Map
Future Generali India Insurance Co. Ltd., Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone (W),
Mumbai - 400 013. IRDA Registration No: 132. CIN: U66030MH2006PLC165287     Copyright © 2014. Future Generali. All Rights Reserved.

Tax benefits are as per Income Tax Act, 1961, and are subject to modifications made thereto from time to time. Insurance is the subject matter of the solicitation.
IRDA | Life Insurance Council | General Insurance Council | Insurance Ombudsman | Consumer Education - IRDA