{"buttonLabel":"Get a Quote","productCollection":"car_insurance_companies","productId":"10","productLink":"https:\/\/general.futuregenerali.in\/car-insurance-online","productName":"Future Generali"}
{"buttonLabel":"Get a Quote","productCollection":"car_insurance_companies","productId":"10","productImage":"referral_logos\/in\/insurance\/future_generali-1","productLink":"https:\/\/general.futuregenerali.in\/car-insurance-online","productName":"Future Generali"}

Future Generali Car Insurance Review: Enhance Your Coverage With Add-Ons

Future Generali Insurance Company offers a cheap comprehensive car insurance policy, and is best suited for new and used sedan drivers. They offer 19 different add-ons, but their claim settlement and incurred claims ratios are both well below average.

Future Generali Car Insurance Review: Enhance Your Coverage With Add-Ons

Future Generali Insurance Company offers a cheap comprehensive car insurance policy, and is best suited for new and used sedan drivers. They offer 19 different add-ons, but their claim settlement and incurred claims ratios are both well below average.

Editor's Rating

3.0/5.0

Good for

  • Consumers seeking an abundance of add-on coverage options
  • New and used sedan drivers

Bad for

  • Consumers looking for an online policy
  • Higher-risk drivers seeking an insurer with strong claim settlement history

Future Generali Insurance Company offers a single comprehensive car insurance policy which covers the insured vehicle from both man-made and natural damages, covers third party injuries and damages, and requires personal accident coverage for the owner or driver as a mandatory add-on.

The company's annual premiums are cheap, especially for new and used sedans. In fact, of the 16 car insurers in our study, Future Generali's used sedan premiums are the cheapest at up to 54% below the national average. They offer 19 different optional add-ons to enhance your coverage beyond the standard scope, and four discounts to reduce your annual cost even further.

Future Generali has an underwhelming online platform, with a weak interface and a slow quoting tool, which makes it frustrating for consumers who want to quickly buy a policy online. Their 86.9% claim settlement rate and 69% incurred claims ratio are also suboptimal, and could lead to long claim settlement lead times and disappointing settlement decisions.

If you're seeking a cheap, online comprehensive insurance plan from a company with a strong claim settlement track record, consider a few alternatives. Reliance General Insurance, Digit Insurance, Cholamandalam MS General Insurance, and Liberty General Insurance all have comparably-priced policies to Future Generali, but offer the best online portals of any of the 16 insurers we studied. They also all have much more optimal claim settlement and incurred claims rates than Future Generali.

Alternatives We Recommend

{"items":["\u003Cstrong\u003EBest All-Around\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Image\" data-eventlabel=\"Reliance General Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003E\u003Cimg alt=\"Reliance General Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/reliance-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Button\" data-eventlabel=\"Reliance General Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Image\" data-eventlabel=\"Reliance General Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003E\u003Cimg alt=\"Reliance General Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/reliance-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Button\" data-eventlabel=\"Reliance General Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Reliance Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/reliance-car-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EBest New\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - 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Button\" data-eventlabel=\"GoDigit\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - Image\" data-eventlabel=\"GoDigit\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003E\u003Cimg alt=\"GoDigit\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/digit-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - 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Image\" data-eventlabel=\"Cholamandalam MS\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003E\u003Cimg alt=\"Cholamandalam MS\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/CholaMS-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Button\" data-eventlabel=\"Cholamandalam MS\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Image\" data-eventlabel=\"Cholamandalam MS\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003E\u003Cimg alt=\"Cholamandalam MS\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/CholaMS-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Button\" data-eventlabel=\"Cholamandalam MS\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Cholamandalam MS Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/chola-ms-car-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EGreat Online Policies\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Image\" data-eventlabel=\"Liberty Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003E\u003Cimg alt=\"Liberty Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/liberty-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Button\" data-eventlabel=\"Liberty Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Image\" data-eventlabel=\"Liberty Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003E\u003Cimg alt=\"Liberty Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/liberty-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Button\" data-eventlabel=\"Liberty Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Liberty Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/liberty-car-insurance-review\"\u003ERead More\u003C\/a\u003E"],"offsetPercentage":20}
Summary of Future Generali Car Insurance Company
Future Generali has the cheapest annual premiums for used sedans, 54% below average
Choose from up to 19 add-on coverages and apply up to 4 discounts to your policy
Submit a claim in just a few minutes with either of their Xpress claim submission methods


Future Generali Comprehensive Car Insurance Policy and Details

Future Generali's comprehensive policy is most affordable for sedan drivers, especially for used sedans. Their annual premiums for a used Honda Amaze start at Rs. 6,018, 54% below the market average of Rs. 13,162. Premiums for a new Honda Amaze are up to 14% below the market average of Rs. 21,200.

Bar graph showing premium prices for a used Honda Amaze
Bar graph showing premium prices for a used Honda Amaze

Policy inclusions and exclusions are relatively standard across the car insurance industry in India. The rate of depreciation for cars and individual parts, as well as the maximum amount each plan is insured for (Rs. 15 lakhs) is also standard across the industry. Future Generali's comprehensive scope of coverage follows the industry standard, covering their policyholders against damages to the insured vehicle from both natural and man-made accidents, as well as damages and injuries to third parties. Personal accident coverage for the owner or driver of the insured car is usually included in all comprehensive policies, so Future Generali makes this a mandatory add-on. The company's comprehensive plan does not protect against:

  • Driving under the influence of drugs or alcohol
  • Driving without a valid license
  • Using a private vehicle for commercial activity
  • Staged accidents or accidents caused by speeding
  • Driving outside policy's geographical limits

Future Generali provides 19 optional add-ons, the most of any car insurer in our study, and quite a few of them are unique. They offer a daily cash benefit, which is offered by less than half of the insurers we reviewed. It provides you with a monetary allowance for each day you are inconvenienced while repairs are being performed to your car.

Car wear and tear coverage, mechanical and electrical failure or breakage coverage, and tyre and tube coverage are normally non-negotiable policy exclusions in India, but Future Generali offers all three as add-ons. They are one of just six** insurers we studied to offer any of these three coverages, and one of just two to offer all three.

Add-On CoverageAvailability
Depreciation CoverageAvailable
Engine & Gear Box ProtectionAvailable
Consumable Expense CoverageAvailable
Key & Lock ReplacementAvailable
Roadside AssistanceAvailable
Invoice Price CoverageAvailable
Electrical Accessories CoverageAvailable
Non-Electrical Accessories CoverageAvailable
Personal Accident Coverage (Passenger)Available
CNG Kit CoverageAvailable
Legal Liability For Paid Driver/WorkerAvailable
No Claims Bonus ProtectionAvailable
Small Repair ClaimsAvailable
Daily Cash AllowanceAvailable
Ambulance Expense CoverageAvailable
Personal Belongings CoverageAvailable
Mechanical & Electrical Fail & Break CoverageAvailable
Tyre & Tube CoverageAvailable
Wear and Tear CoverageAvailable
Conveyance BenefitUnavailable
EMI ProtectionUnavailable
Road Tax CoverageUnavailable
Hospital Cash AllowanceUnavailable
Medical Expense CoverageUnavailable
Loss of License/Registration ReplacementUnavailable

To help make Future Generali's policies even cheaper, they offer four potential discounts, which is just about average for Indian car insurers. The four discounts offered are standard among the companies we analysed.

DiscountAvailable
No Claims BonusYes
Voluntarily Increased DeductibleYes
Auto Association MembershipYes
Anti-Theft DeviceYes
Vintage CarNo
Vehicle Modified for HandicappedNo
Multi-VehicleNo
Personal InformationNo
Specific LocationNo
Credit ScoreNo


Comparing Future Generali's Profile Against the Market

Despite a 4.5-of-5 star rating on PolicyBazaar and a 5-star rating on InsuranceDekho, Future Generali doesn't measure particularly well against their competitors. Their policyholders are satisfied with the level of customer service Future Generali provides, as well as the affordable annual rates, but they also mention certain drawbacks like a low base level of coverage. Many of the lower-rated reviews describe their comprehensive policy as just "okay".

The company's 86.9% claim settlement rate is the lowest among the 16 insurers in our study, so it reduces the likelihood that your claim will be settled in a timely fashion. Their 69% incurred claims ratio (ICR) is suboptimal, and indicates a weaker ability to settle claims against annual premium collection. A healthy range for a car insurer is 75-90%.

Future GeneraliMarket Average
Market Share1.95%3.57%
Incurred Claims Ratio69%90%
Claim Settlement Rate86.9%94.3%
Cashless Garages2,5003,870
PolicyBazaar Star Ratings4.5 (53 reviews)4.2 (22 reviews)
InsuranceDekho Star Ratings5.0 (151 reviews)4.9 (167 reviews)

Future Generali offers just 2,500 cashless garages in their network, over 1,000 fewer than the average among the insurers in our study, so be sure to use the cashless garage locator on their website to ensure there is a convenient repair facility near you. They also provide a branch locator, so you can find agents and offices in your area.


Online Car Insurance Payment Portal

Future Generali's online payment portal leaves much to be desired. The quoting and purchasing tool tends to have slow loading times, feels outdated, and takes longer to navigate through than many of the other portals we reviewed. Many of the required information fields contain a drop-down to select from, but often the drop-down does not appear and the page needs to be reloaded. They do not offer the option to send you a copy of your quote via WhatsApp, email, or SMS, and you're unable to apply any of their discounts to your policy online.

Aside from the lackluster purchasing process, the rest of Future Generali's website contains a number of useful tools. They provide a live support option if you need more assistance, a call back option if you'd rather have an agent reach you by phone, and a policy status portal, where you can download the details of your coverage. There is also a cashless garage locator and a branch locator, so you can ensure both convenient repairs and visits to a Future Generali office in your area.

The company does not provide a car insurance calculator unfortunately, but they do have a detailed section on their claims process, which includes two different submission methods.


Claim Settlement Process

Future Generali allows its policyholders to submit claims online or by phone, but does not offer the service within a smartphone app. They aim to settle all claims within seven business days, compared to the majority of insurers in our study who settle claims within the same day. They also do not offer the ability to track your claim online.

Uniquely, Future Generali has two different claim submission packages. The Future Xpress package will find you the lowest cost to repair your car in case of an accident, and they will perform a survey of the damage on the spot. This method is best for policyholders who are looking for the cheapest option. The Future Xpress+ bundle provides the same benefits as the standard package, but comes with instant claim settlement in exchange for a potentially more expensive repair. This package is best for busier customers and those who prioritize speedy settlements and repairs over the lowest cost.


Mike Wagenman

Mike Wagenman is a Senior Research Analyst at ValueChampion India, specializing in insurance. He holds a Bachelor of Arts degree in Communication and Business from Rider University, and his prior work experience includes data, revenue, and business analysis in the international travel and technology markets. Mike has worked with clients around the world to help identify financial value and find the most optimal way to achieve success.