A claim is a process wherein a policyholder gets compensated by the insurer for the damage incurred during an accident or any other unintentional mishap involving the insured car. Depending on the type of insurance policy purchased, the policyholder is entitled to claim a certain amount during a claim settlement process.

Purchasing a car insurance policy from Future Generali brings you a hassle-free claim settlement process. Apart from the usual reimbursement claim settlement, the company also offers cashless repair services at more than 3,500 network garages across the country.

List of Documents Required During Claim Settlement

The following documents are required at the time of settling a car insurance claim:

• Duly filled and signed claim form
• Copy of insurance policy document
• Copy of driving licence (DL) of the driver driving the car at the time of accident/mishap (with original DL for verification)
• Police FIR (if applicable)
• Copy of car’s Registration Certificate (RC)

How To Make Future Generali Cashless Car Insurance Claim

Future Generali Insurance has introduced a simple claim settlement process for the car insurance policy. Here are the steps to get cashless claim:

Step 1: Initiation of Claim

Intimate Future Generali immediately after an accident/mishap by calling at 1800 220 233 or by sending an SMS ‘MOTORCLAIM’ to 9222211100. You can also inform the insurer by visiting their official website. To initiate a claim online on Future Generali website, go the ‘Car Insurance’, select the ‘Motor Claim’ option, fill the required details and click on the ‘Submit’ button. You will receive an email and SMS confirming the initiation of the claim process.

Step 2: Survey of Insured Vehicle

Post initiation of a claim, Future Generali will send a surveyor to the accident spot who will carry out an inspection of the insured vehicle to assess the extent of damage.

Step 3: Documentation

After the completion of the survey of your car, you need to submit the relevant documents to the surveyor along with the duly signed claim form and FIR (if applicable).

Step 4: Towing of Car

After the submission of all the required documents by you, Future Generali will arrange a towing service for the damaged vehicle. The towing service is free up to Rs. 1,500. In case, you get the car towed by yourself, you are eligible to receive a reimbursement of Rs. 1,500 from the insurer.

Step 5: Car Repairs and Claim Settlement

Your car will get repaired at the nearest Future Generali partnered workshop. If you have opted either for the Future Xpress or Future Xpress+ claims subscription then the claim settlement services will be rendered to you on a priority basis at over 900 select workshops.

The entire approved claim amount for the repairs will be paid directly by the insurer to the garage. Only the liability to payment for the deductibles - compulsory and voluntary (if opted) will be on you.

How To Make Future Generali Reimbursement Car Insurance Claim

Future Generali Insurance has a simple reimbursement settlement process for the car insurance policy. Here are the steps to get reimbursement claim:

Step 1: Intimate Future Generali

Inform Future Generali immediately after an accident by calling at 1800 220 233 or by sending a text message ‘MOTORCLAIM’ to 9222211100. Alternatively, you can visit the company’s website to initiate a claim. For this, Select ‘Car Insurance’ tab on the homepage, click on the ‘Motor Claim’ option and fill the details asked. Click on the ‘Submit’ button to make your claim request.

Step 2: Survey of Car

A surveyor will be arranged by the company for inspection of damages incurred by the vehicle. The surveyor will send the damage report to the company for claim amount evaluation.

Step 3: Submission of Documents

Post survey of your car, submit all the necessary documents to proceed for the repairs of the car.

Step 4: Towing of Car

You can either get a towing service arranged by the insurer or can it arranged yourself. The towing service provided by the insurer will be free of charge up to Rs. 1,500. In case, you get your car towed yourself, you can get the towing charges reimbursed by the insurer up to Rs. 1,500.

Step 5: Car Repairs and Claim Settlement

You can get your car repaired at a garage of your preference and make payment for the cost of repairs at the garage. The claim amount of repairs will be reimbursed to you by the insurer post submission of all the original repairs bills and other required documents. The company will reimburse you with the claim amount after factoring deductibles within 7 days of final submission of the documents.

Future Generali has a set of specific conditions for the approval of the claim. The claim is rejected by the insurance company under the following circumstances:

• Expired car insurance policy.
• Delay made in informing the insurer about the accident.
• If the accident happened because of the breaking of traffic rules.
• Repair of the vehicle done before the inspection by the surveyor.
• Absence of valid documents with the driver at the time of the accident.
• If the driver was driving the car under the influence of intoxicants.

Future Generali No Claim Bonus

A car insurance policy is designed to benefit you by compensating your expenses, but Future Generali provides benefits for not making any claim as well by offering No Claim Bonus. It is a reward given in terms of discount to policyholders for spending a claim-free year. With this bonus, you can lower the premium cost for your car insurance plan in the next policy year. The NCB benefit starts from 20% and is accumulated with every consecutive claim-free year up to 50%, which is applicable to the premium of the own-damage section of a comprehensive car insurance policy.

To retain NCB benefit, every policyholder must renew its car insurance policy before the due date. If you fail to renew your policy before the expiry date, in such a case, the insurer allows you to renew it in the grace period of 90 days but after that, your NCB will terminate. This benefit belongs to policyholders as it is given for safe driving which results in a claim-free year. To keep your No Claim Bonus intact, you must try to avoid raising a claim. In order to achieve this, you should at least try bearing the minor claims on your own as small damage repair costs could be lesser than the accumulated NCB discount. However, you can also buy an NCB protect add-on cover to secure NCB even after making a claim.