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Future Generali Zero Depreciation Cover

The loss in the value of a bike over time is taken into consideration by the insurance companies as a depreciation factor. The depreciation charges are cut off from the claim amount at the time of claim settlement. You can opt for Zero Depreciation cover to avoid the deduction of depreciation charges. Future Generali Zero Depreciation cover ensures that the insurer does not deduct any depreciation charges from the claim amount.

Future Generali Zero Depreciation add-on cover can be opted with a standalone own damage or comprehensive insurance plan. It enhances the scope of coverage of the existing two-wheeler insurance policy. A zero depreciation add-on cover ensures free of cost repairs or replacement of the depreciable parts of the insured two-wheeler. With this add-in cover one can avail full claim settlement amount without depreciation deductions.

Benefits of Future Generali Zero Depreciation Cover

Following are some benefits of opting for a Zero Depreciation add-on cover with your two-wheeler comprehensive or standalone own-damage insurance policy:

  • Additional Protection: The zero depreciation add-on cover provides additional protection to the policy holder by providing compensation for repairs/replacements of the depreciable parts of the insured two-wheeler. This way you can avail additional protection as at the time of filing a claim depreciation deductions can reduce the amount of claim.
  • Full Claim Settlement: With a zero depreciation add-on cover the policyholder can avail full claim settlement amount as cost for repairs/replacements for depreciable parts of the insured two-wheeler. While claim settlement of a two-wheeler insurance policy with zero depreciation the claim amount is calculated without considering the depreciation deductions
  • Saves Money: Although opting for a zero depreciation add-on cover slightly increases the premium rate of the two-wheeler insurance policies but can save money in the long run. You may have to pay an extra premium for the add-on cover but at the time of filing a claim this add-on cover lets you avail full claim settlement amount.

Depreciation Rate Applicable on Bike With And Without Zero Depreciation Add-on

Age of Bike

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Part of Bike

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Rubber/nylon/ plastic parts

50%

0%

Fibre glass parts

30%

0%

Glass parts

Nil

0%

What is Included under a Future Generali Two-Wheeler Insurance Policy with Zero Depreciation Cover?

Following aspects are covered under a Future Generali Two-Wheeler Insurance policy with Zero Depreciation Cover:

  • Cost of depreciable parts such as nylon, fiberglass, plastic or rubber parts of the two-wheeler is covered under a two-wheeler insurance policy with zero depreciation add-on cover
  • Zero depreciation cover may also include partial damages to the battery and tyres.
  • Compensation for the cost of repairs/replacement of the depreciable parts beared the policyholder will be provided to the policyholder at the time of claim settlement.

What is not Included under a Future Generali Two-Wheeler Insurance Policy with Zero Depreciation Cover?

Following are some things which shall not be covered under a Future Generali Two-Wheeler Insurance policy with Zero Depreciation Cover:

  • Loss or total damage of the insured two-wheeler
  • Damages to the insured two-wheeler due to mechanical fault or failure.
  • Routine ageing/wear and tear is not covered under a two-wheeler insurance policy along with zero depreciation add-on cover

Factors Affecting Future Generali Zero Depreciation Cover

To avail the benefits of Future Generali Zero Depreciation, You need to abide by the conditions mentioned below:

  • It can be availed by bikes with a maximum age of 5 years.
  • You can claim this cover only twice in the entire policy period.
  • The repair and replacement due to common wear and tear are exclusions under this cover.
  • No coverage is provided in cases of a total loss, mechanical and electrical breakdown of the bike.

Explore Future Generali Bike Insurance

Must Read Articles before buying Future Generali Bike Insurance

Future Generali Bike Insurance User Reviews

4.9
Rating based on
414 User reviews
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What users are saying
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  • Efficient Claims Settlement

    I had a claim for my Future Generali Bike Insurance Policy for my Bajaj bike, and the process with InsuranceDekho's cashless garage was efficient. It was reassuring to know my insurer had everything under control.

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    M
    By Mukesh Bagga
    On: November 21, 2023
  • Depreciation-Free Repairs

    I appreciate how zero-dep insurance added to my Future Generali Bike Insurance Policy from InsuranceDekho ensures depreciation-free repairs for my Suzuki bike. It's a great relief for me.

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    A
    By Anoop Singh
    On: November 9, 2023
  • No Hidden Surprises

    I feel that with InsuranceDekho, there were no hidden surprises during renewal. The terms and conditions for the Future Generali Bike Insurance Policy are transparent, and I know what I'm getting for my KTM bike.

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    S
    By Sumil Magr
    On: November 3, 2023
  • Financial Security on the Road...

    Third-party car insurance from InsuranceDekho provides financial security on the road. I know I won't face unexpected expenses in a legal situation because of the secured Future Generali Bike Insurance Policy for my Honda bike.

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    A
    By Aamir Shah
    On: October 31, 2023
  • All-Inclusive Protection Done ...

    I appreciate how InsuranceDekho gets all-inclusive protection right with their comprehensive bike Future Generali Bike Insurance Policy. The policy covers every aspect of my Honda bike ownership and makes it hassle-free.

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    By Dheeraj Sabr
    On: October 23, 2023
  • Effortless Car Insurance Claim...

    InsuranceDekho made my Future Generali Bike Insurance Policy’s claim process effortless. Their quick response and seamless claim settlement allowed me to get my Hero bike back on the road in no time.

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    By Rajesh Goswami
    On: October 17, 2023
  • Tailored Coverage Options with...

    InsuranceDekho's own damage coverage with the Future Generali Bike Insurance Policy is an amazing policy. They offer tailored options for my KTM bike to meet my individual needs, ensuring that I get the right protection.

    Read More

    S
    By Sanjay Koul
    On: October 12, 2023
  • Wide Network, More Options

    InsuranceDekho's extensive network of cashless garages means more options for repairs. It's reassuring to know that as my Honda bike is insured under the Future Generali Bike Insurance Policy, help is never too far away.

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    K
    By Kartik Mahadevan
    On: October 6, 2023
  • Renewal Made Easy

    InsuranceDekho's car insurance renewal is hassle-free. I didn't have to jump through hoops or deal with confusing paperwork while renewing my Future Generali Bike Insurance Policy for my KTM bike. Their commitment to a smooth renewal process is evident.

    Read More

    S
    By Sunil Gayen
    On: September 29, 2023
  • Efficient Claims Handling

    InsuranceDekho handled my claims for third-party insurance efficiently which I filed for my Future Generali Bike Insurance Policy. They ensured I received the necessary support during a challenging situation for my Triumph bike.

    Read More

    M
    By Manoj Verma
    On: September 20, 2023
  • User-Friendly Interface for Ea...

    The user-friendly interface of InsuranceDekho's premium calculator made premium estimation easy for my Future Generali Bike Insurance Policy for my Triumph bike, even for someone like me who isn't tech-savvy.

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    R
    By Ram Chauhan
    On: September 15, 2023
  • Claim Submission Made Easy

    I am so relieved that I took the decision to buy the Future Generali Bike Insurance Policy for my Yamaha bike on time. In some unforeseen circumstances, I had to submit a claim with InsuranceDekho. The entire process was easy and user-friendly. Their online platform simplifies the process.

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    By Urvashi Saluja
    On: September 13, 2023
  • Flexible Add-On Options for En...

    I appreciate the flexible add-on options offered by InsuranceDekho's comprehensive coverage. The Future Generali Bike Insurance Policy allows me to enhance the protection for my Hero bike based on my needs.

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    By Lalit Rai
    On: September 11, 2023
  • Simple and Streamlined

    Using Cashless Garages with InsuranceDekho is simple and streamlined. I don't have to worry about reimbursement hassles; the entire process of the Future Generali Bike Insurance Policy is designed for maximum convenience for my Honda bike.

    Read More

    D
    By Deepak Lalit
    On: September 7, 2023
  • Guidance at Every Step

    From filing the claim to receiving the settlement for my Future Generali Bike Insurance Policy, InsuranceDekho provides guidance at every step. Their support has been crucial in navigating the claim process for my Hero bike.

    Read More

    V
    By Vineet Goel
    On: September 5, 2023
  • Budget-Friendly Coverage

    InsuranceDekho's Third-Party Car Policy is a budget-friendly way to fulfill insurance requirements. It's a practical choice for those looking for essential coverage without excess costs. I bought the coverage along with the Future Generali Bike Insurance Policy for my Royal Enfield.

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    G
    By Gurasis Singh
    On: September 1, 2023
  • Transparent and No Hidden Cost...

    The Premium Calculator provides transparency by breaking down costs clearly. With InsuranceDekho, I know exactly what I'm paying for my Future Generali Bike Insurance Policy, and there are no hidden surprises when it comes to my Hero bike policy premiums.

    Read More

    By Tanmay Brar
    On: August 29, 2023
  • Zero Depreciation - A Must-Hav...

    For someone like me who just bought a new Hero bike, a zero depreciation add-on from InsuranceDekho is a must-have. The Future Generali Bike Insurance Policy ensures you don't lose money on repairs.

    Read More

    A
    By Anurag Bansal
    On: August 25, 2023
  • Timely Reminders for coverage

    I appreciate the timely renewal reminders from InsuranceDekho to renew my Future Generali Bike Insurance Policy. It ensures my Yamaha bike remains continuously protected with comprehensive coverage.

    Read More

    R
    By Rakesh Shukla
    On: August 23, 2023
  • Clear and Transparent Policy T...

    InsuranceDekho provided clear and transparent policy terms for their third-party car insurance. It was easy to understand what's covered and what's not when I bought the Future Generali Bike Insurance Policy for my Triumph bike.

    Read More

    P
    By Pintu Kapoor
    On: August 11, 2023
  • Worry-Free Riding Experience

    With InsuranceDekho's comprehensive bike insurance, I enjoy a worry-free riding experience. I know that my Hero bike is well-covered with the Future Generali Bike Insurance Policy in case of any unforeseen events, and that gives me the confidence to explore the roads without concerns.

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    S
    By Saanjli Puri
    On: August 9, 2023
  • Highly Satisfying Claim Experi...

    My claim experience with InsuranceDekho while filing for the Future Generali Bike Insurance Policy for my Honda bike was highly satisfying. They lived up to their promises, and I received the required support without any hassles.

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    By Shravan Dhandiwal
    On: August 7, 2023
  • Insurance

    Good service and instant feedback done I got it issued the policy is 10 mins . This is amazing digitisation . Need to keep doing the same

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    By PRAGNYA KOGJE
    On: August 2, 2023
  • Flexible and Customizable Own ...

    I appreciate InsuranceDekho's flexibility in offering customizable own damage coverage options when I purchased the Future Generali Bike Insurance Policy. Their team assisted me in choosing the right plan for my Avan bike.

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    By Nimesh Sharma
    On: August 2, 2023
  • Top-Notch Service with Zero De...

    InsuranceDekho provided top-notch service when I made a claim under the zero depreciation cover for my Future Generali Bike Insurance Policy. The entire process was smooth, and the repairs were handled with utmost care for my BMW bike.

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    By Vidhush Goel
    On: July 31, 2023
  • Quick and Accurate Quotes

    I was impressed with the speed and accuracy of Insurance Dekho's premium calculator. Within seconds, I had multiple quotes at my fingertips for easy comparison. And because of the comparison, I took the decision to purchase the Future Generali Bike Insurance Policy for my BMW bike.

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    By Pradeep Kumar
    On: July 25, 2023
  • User-Friendly Platform

    The InsuranceDekho platform is incredibly user-friendly, making it easy to navigate and obtain a third-party car insurance policy quickly. I appreciate their efficient issuance process that I got for the Future Generali Bike Insurance Policy for my TVS bike, saving me time and effort.

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    By Mayan Kochar
    On: July 24, 2023
  • Comprehensive Coverage for Act...

    InsuranceDekho's comprehensive coverage that I got with the Future Generali Bike Insurance Policy protected my Hero bike against acts of God, such as earthquakes or floods. The coverage extended to damages caused by these events.

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    By Arun Singh
    On: July 20, 2023
  • Quick Response and Resolution

    InsuranceDekho's responsiveness and swift resolution of my Future Generali Bike Insurance Policy claim exceeded my expectations. They responded promptly to the claim request for my Aprilia bike and resolved it efficiently, minimizing any inconvenience on my part. I'm impressed with their level of service.

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    By Himanshu Sahni
    On: July 18, 2023
  • Personalized Assistance

    InsuranceDekho provided personalized assistance during the renewal of my Future Generali Bike Insurance Policy for my Mahindra bike. Their representatives understood my specific needs and helped me choose the right coverage.

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    By Anush Anand
    On: July 14, 2023
Future Generali Reviews

Future Generali Zero-Depreciation Add-on Cover FAQs

  • Does the Zero Depreciation cover provide for plastic parts of bikes?

    Yes, Future Generali Zero Depreciation cover provides coverage for plastic parts of the insured’s bike. Thus, when you opt for it, the insurance company does not take into consideration the 50% depreciation rate applicable on it.

  • Do I receive the full claim amount if I opt for Zero Depreciation cover?

    Adding Zero Depreciation cover ensures maximum claim by eliminating the depreciation factor. However, you do not receive the full claim amount as the deductibles will be factorized at the time of claim settlement.

  • What are the advantages of Future Generali Zero Depreciation cover?

    The Future Generali Zero Depreciation cover provides the following advantages to its policyholders:

    • Policyholders save significant cost on the repairs and maintenance of the depreciated parts of the insured’s bike.
    • Ensures full IDV amount as the claim amount.
    • Provides free of cost replacement of depreciated bike parts.

  • Can I avail Zero Depreciation cover in case of theft of the insured’s bike?

    No, you cannot avail Zero Depreciation cover in case of theft of the insured’s bike.

  • How can I add the Zero Depreciation cover to my policy?

    Zero Depreciation cover can be added to your policy in the following ways:

    • By visiting its official website
    • By dialling its helpline number 1860 500 3333 or 1800 220 233
    • By visiting the nearest branch

    You can add this cover to your comprehensive bike insurance policy at the time of purchase, renewal or in the middle of the tenure.

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