Generali Central Car Insurance

Generali Central Insurance Company is made via a joint partnership venture between two leading companies: Generali Group and Future Group. The insurer started providing insurance solutions in 2006, which is their establishment year. Since their inception, they have sold 3.2 million different types of policies (retail, personal, commercial, and rural) all over India, with 2.6 lakh+ claim settlements per year.

Today, they are on the list of India’s top 10 private general insurance companies with assets under management (AUM) of ₹6,748 Crore and a Gross Written Premium of ₹4,627 Crore. (1)

About Generali Central Insurance Company

Having car insurance is vital and mandatory if you are a car owner to protect yourself and the car from any financial and legal obstacles that may arise due to accidents and natural disasters. These scenarios can be dreadful for all the parties involved, like the owner, the car, and a third-party vehicle or person. So, to ensure car protection, Generali Central car insurance offers its customers different types of car insurance, including third-party, own-damage, and comprehensive car insurance.

Key Features

Below are some of Generali Central's car insurance key features that make it one of the best insurance companies.

• Affordable Pricing: The insurance company provides car insurance at affordable premium rates.

• Future Xpress and Future Xpress +: Generali Central car insurance offers insured two express claim services, i.e., Future Xpress and Future Xpress+, to get on-priority car repairs and claim settlements.

• Flexible Premiums: You have the flexibility to make the insurance premium payments at your convenience.

• Comprehensive Coverage: Comprehensive car insurance plans offered by the company provide comprehensive coverage and cover you in different scenarios.

• Hassle-free Claim Process: With 96.3 Claim Settlement Ratio, claim processing is done hassle-free without any interruptions or delays.

• 24*7 Assistance: The insurer provides 24*7 assistance in case you have any queries or need help regarding the policy or claim settlement.

Key Metrics

Eligibility To Purchase a Car Insurance Plan

The below eligibility criteria must be followed by an individual to buy car insurance in India.

• The applicant must be at least 18 years old and an Indian resident.
• They should have a valid driving licence.
• The car should have a registration certificate.
• The vehicle should have a PUC or Pollution Test Certificate.
• The candidate should have a valid ID and proof of address.

Types of Car Insurance Plans Offered by Generali Central

Let’s discuss the types of insurance plans offered by Generali Central.

Third-party liability insurance: Third-party liability car insurance is mandated by Indian law, which means to drive a vehicle on Indian roads, you must have this insurance. It covers the legal and financial liabilities in the scenario if the insured car causes any damage to the involved third-party.

Own damage cover: The own damage car insurance policy protects your own car from any type of man-made or natural disaster. This type of car insurance has affordable premiums, and by adding riders, you can increase the scope of your base insurance policy.

Comprehensive cover: Comprehensive car insurance provides you with holistic protection. This includes cover for third-party liability along with damages done to one’s vehicle due to an accident. It also covers the bodily injury of the policyholder and the third-party person.

How Much Does Generali Central Car Insurance Cost?

The Generali Central car insurance starts from Rs. 2,094.

Add-ons offered by Generali Central Car Insurance

Let’s look at the add-ons provided by Generali Central car insurance.

Zero Depreciation: Zero Depreciation or zero-depth rider gives you the benefit of receiving full claim value even after the depreciation of your car value. No matter how old your car gets, you will receive the total value for it.

Theft or Loss of Keys: The ride-on will save you in the situation when your car key is misplaced or lost. It will pay for the cost of replacing your car key or the car lock.

Loss of Personal Belongings: This rider will provide coverage if you lose any personal belongings, such as phones or laptops, in a car accident.

Tyre Damage: Tyres are a crucial part of the car, but basic car insurance does not provide coverage for the tyre. This is why the tyre damage rider provides coverage in case of tyre bursts, bulges, punctures, and accidental damages.

NCB Protection: This rider gives you the opportunity to get an NCB or No Claim Bonus at the time of policy renewal, even if you have made a claim in the previous year.

Engine Protector: Repairing the engine and gearbox of your car after an accident can be very expensive. This rider protects your gearbox and your engine in case it’s damaged due to an accident.

Return To Invoice: When the car is damaged beyond repair or if it is stolen, the return to invoice rider will assist you in getting the original invoice value of the car.

Inconvenience Allowance: It provides you with an allowance to commute to places when your car is at repair after an accident.

Legal Liabilities: This rider takes care of the legal liabilities of the policyholder after an accident. With the help of this rider, the policyholder will get full assistance from the insurance company in legal matters.

What Is Covered and What is Not Covered?

Let’s find out what is covered and what is not covered under the Generali Central car insurance policy.

INCLUSIONS:

• Roadside Assistance: If you are stuck at a place where there is no mechanic or garage in sight, roadside assistance will help you get out of the situation.

• Towing Assistance: Get towing assistance in case of an accident, no matter what your location is.

• Third-Party Liability: If a third party is injured or their property is damaged due to your car, third-party liability will provide coverage in the scenario.

• Covers Damages: Broken windshields, shattered headlights, and car dents are covered.

• Personal Accident Cover: Generali Central provides the insured with personal accident cover of up to Rs. 15 lakh.

EXCLUSIONS:

• Wear, tear and normal ageing of vehicle
• Loss due to nuclear activities, war, or mutiny
• Accidents outside the geographical area
• Claims arising out of any contractual liability
• Driving without a valid driving licence or under drugs or alcohol influence.

How To Make A Claim For Generali Central Car Insurance?

Let’s see the claim process for Generali Central car insurance.

• To make a claim, you have to fill out the claim form available online on their website (2) or call 1800-220-233.

• The company will send surveyors to inspect your vehicle.

• Submit the required documents to the surveyors.

• Then, the insurer will communicate the approved amount to the workshop, and payment will be made.

Generali Central Car Insurance Renewal Process

Follow these steps to renew your Generali Central car insurance policy.

Step 1: Visit the InsuranceDekho website

Open the official website of InsuranceDekho and click on the ‘Renew Policy’ option.

Step 2: Verify Details

Enter your registered mobile number along with the OTP you received.

Step 3: Select Your Policy and Review Details

On the dashboard, select Generali Central car insurance and check the details of your policy. Then, click on the ‘Proceed’ option.

Step 4: Make Payment

To complete the renewal process, make the payment using UPI, credit, or debit card.

Generali Central Car Insurance Customer Service & Support

Generali Central Contact Details

You can get in touch with the Generali Central customer care team through the following ways: (2)

• Download the FGI INSURE APP from the Apple App Store or Google Play Store.
• You can reach the team through the Customer Portal
• Send a ‘Hi’ on their WhatsApp number +917678006000
• Email them at fgcare@futuregenerali.in

InsuranceDekho Contact Details

You can also reach out to the InsuranceDekho officials if you need any help with your Generali Central policy.

• Phone Number: +91-7551196989
• Email: support@insurancedekho.com

Complaints & Grievance Redressal

Generali Central Grievance Redressal

• Call: 1800-220-233 / 1860-500-3333 / 022-67837800
• Email: fgcare@futuregenerali.in/care.assure@futuregenerali.in

InsuranceDekho Grievance Redressal

• Write to us: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
• Phone number: 7551196989 (Monday to Sunday, 24*7) (excluding public holidays)
• Website: https://www.insurancedekho.com/contact-us

References:

• https://www.generalicentralinsurance.com/