Future Generali Motor Secure Policy

• Protection from loss or damage to your car
• Cover for third party liability
• Personal accident cover for owner cum driver
• Accident towing assistance
• Avail No Claim Bonus benefit
• Riders to customize the policy coverage
• Instant policy issuance
• 24x7 customer service
• Round the clock roadside assistance
• Personalized service with enhanced touch points
• Smooth and speedy claims settlement
• Cashless claims settlement in 2500+ workshops

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

No Claim Bonus (NCB) of 20%, 25%, 35%, 45% & 50% is applicable, in case of a claim-free policy year. The NCB benefit may vary depending on the type of vehicle and the number of no-claim policy years.

Discounts

You can avail discounts in premium in case you opt for voluntary excess, installation of anti-theft device and automobile association membership

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Zero Depreciation: It pays the depreciation amount deducted on the value of the parts replaced for an approved claim, in case of loss or damage caused to the vehicle insured.
• NCB Protection: Normally in case of a claim, the ‘No Claim Bonus (NCB)’ of your vehicle insurance policy gets impacted. However under this cover, the existing NCB of the expiring policy can be retained at the time of renewal. This benefit is available only for one single claim during the policy period.
• Return to Invoice: In the event of a Total loss/ Constructive Total Loss (CTL) or Total Theft of the vehicle, it pays the ‘shortfall amount’ between the amount received and the current replacement value of the vehicle if the same make model is available.
• Loss/Theft of Keys: In case, your keys are lost or stolen, the cost to replace your car keys and locks or locksmith charges are reimbursed.
• Engine Protector: It covers the consequential damage to the internal parts of the Engine arising out of water ingression leakage of lubricating oil following damage to Engine due to accidental means.
• Loss of Personal Belongings: The loss or damage caused to the personal baggage such as laptop, mobile phone, etc. kept in the insured vehicle is payable. It provides much needed protection to your personal belongings.
• Tyre Damage: This add-on cover provides reimbursement for tyre bulge, puncture, bursting, cut or accidental damage.
• Inconvenience Allowance: This cover pays on a daily basis for the period when your vehicle is undergoing repairs, in the event of an accident.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss/Damage caused due to War/Mutiny/Nuclear risks, etc.