Future Generali Two-Wheeler Insurance

1.  The Future Generali third party to wheeler insurance plans provides coverage to all sort of damages sustained by the third party two wheelers.

1.  The insurance plans also provide complete coverage in case of the death of the third party.
2. The policyholders will receive the legal coverage for any sort of court proceedings which is caused due to the dispute with the third party.
3. The company bears the cost of the damages caused to the two-wheeler of the third party in an accident.

Comprehensive Bike Insurance

The Future Secure Two-Wheeler Insurance Package is a comprehensive policy widely chosen in India for its extensive protection and affordability. Policyholders can customise their coverage to suit individual needs. The main features of this package include coverage for damages from accidents, natural, and man-made calamities; optional add-ons like roadside assistance, zero depreciation, and engine protection; personal accident coverage up to Rs.15 lakhs, third-party liability coverage for property damage or bodily injury; and legal assistance for disputes arising from road incidents.

1.  The policy covers all types of damages caused to the two-wheeler including, road accidents, damage owing to natural and manmade calamities. 
2. The policyholders can also add the riders into the plan to enjoy additional benefits. Some of the popular riders availed by most of the policyholders are roadside assistance rider, zero depreciation rider, and engine protection rider. 
3. The policyholders will get personal accident coverage of Rs.15 lakhs. 
4. The plan also covers all sorts of third-party liability expenses. For instance, if the policyholder damages third party vehicle, the insurance company will provide the compensation on your behalf. 
5. In case of any legal dispute, the insurance company will provide legal coverage which may cause owing to a road mishap.

Advantages of Purchasing Future Generali Two-Wheeler Insurance

Now, let us have a look at the benefits of buying Future Generali Two-Wheeler Insurance Plan

1.   Instant Policy Online: The customers can purchase Future Generali Two-Wheeler Insurance policy online by visiting the company’s website. To purchase the policy, you need to enter your details in the company’s website and make the payment of premium.

1. Emergency Assistance: Future Generali Two-Wheeler Insurance offers emergency assistance service to the policyholders within the city for accidents. Apart from this, the policyholders can ask for the claim with the help of its customer care service.
2.   Easy Renewal: Future Generali offers automatic renewal reminder service to its policyholders so that they can pay the policy premium within the stipulated time. Apart from this, you can easily renew your policy by visiting the Future Generali’s official website and make the premium payment. Once the premium amount is paid, your policy will automatically get renewed.

1. Claim Process: Claim process plays a significant role in an insurance policy. The company has come up with the simple and easy claim settlement process. The policyholders will be provided with two claim settlement processes. They can either go for the cash claim settlement process or can reimburse the amount later on.

1. Wide Network: Future Generali two insurance has partnered with 2,500 cashless garages across India. The policyholders can avail a cashless settlement at any of its network garages across India.

Add-on Coverages with Future Generali Two-Wheeler Insurance Plans

Given below are the add-on covers with Future Generali Two-Wheeler Insurance Plans:

Zero Depreciation

In zero depreciation, the insurance company does not consider the depreciated value of the vehicle during the claim settlement process. The policyholders will receive the enter claim amount on the basis of current showroom price of the two-wheeler.

Engine Protector

The engine protector rider offers complete coverage of your two wheeler’s engine. Under the normal bike insurance plans, the engine protection is not covered. Hence, this rider is extremely important.

Loss of Personal Belongings

In case of an accident, if you lose your personal belongings like laptop, phone, or helmet, you can register a claim for the same and get the compensation for the damages caused.

NCB Protector

The No Claim Bonus (NCB) that the policyholder build up will get exhausted by a single claim. Thus, it is important to opt for NCB protector. With the help of this rider, you will be able to keep the NCB intact even after you register a claim on the comprehensive two-wheeler insurance policy.

Inclusions Under Future Generali Two-Wheeler Insurance

Future Generali Two-Wheeler Insurance policy offers the following the coverage to the policyholders:

1.  Third party Liability: The third-party liability offers the coverage against any damages or liability that may incur due to the injury or death to any third party.

1. Theft: Under a comprehensive bike insurance plan, the policyholder can claim the amount in case the bike gets stolen. Here, the company will cover the amount of losses that you suffered through which you can purchase a new bike.

1.  Vehicle Damages: Comprehensive bike insurance plan provides coverage of any sort of damage caused to your vehicle owing to theft, accident, etc. In fact, certain damages like broken parts, scratches, and dents are also covered under this plan. In addition, if the bike is damaged due to an accident, then you can register a claim for repairs.

1.  Personal Accident: Under this plan, the insurance provider offers coverage of accidental disablements or deaths suffered in a bike accident.

Exclusions Under Future Generali Two-Wheeler Insurance

Given below are the certain permanent exclusions under Future Generali Two-Wheeler Insurance:

1. Mechanical or Electrical Breakdown: The insurance company does not provide coverage for an electrical or mechanical breakdown of a vehicle.
2. Inappropriate Use: If damage or loss caused to the two-wheeler due to inappropriate use, then insurance company is not liable to cover the loss.
3. Outside Geographical Area: If damage caused to the bike outside the geographical limits, you will not be able to claim the amount.
4. Servicing: Two-wheeler require time to time servicing so that it can run smoothly in a long run. The service cost needs to be paid by the owner of the bike, not by the insurance company.
5. Drunk Driving: If an accident is caused due to drunk and drive, the insurance provider will not entertain the claim against such sort of damages. 
6. Driving without a license: If any damage is caused to your two-wheeler in case you are driving without a license, the insurance company will not cover your losses.

How to Apply for Future Generali Two-Wheeler Insurance?

To apply for Future Generali Two-Wheeler Insurance, you need to follow the given steps:

Step  1 - Visit the https://general.futuregenerali.in/motor-insurance/bike-insurance.

Step  2 - You will get a pop-up option, where you need to enter you’re your basic information such as name, email id, mobile number, engine number, registration number, model, and manufacturer of your vehicle.

Step 3  - Next, click on ‘Get a Quote’ and create your profile.

Step 4 - Now, you will be able to review your coverage and change the coverage according to your requirement.

Step 5  - Agree to the terms and conditions, choose the premium payment method, and make the payment. 

Step 6 - Once you paid the premium, you will be able to download the policy document from your registered email address.

Future Generali Bike Insurance Claim Settlement Process

Future Generali Insurance Company provides cashless claims and reimburse claims of the bike insurance plans. Now, we will have a look at the step and step procedure of both types of claims.

Cashless Claim Settlement Procedure

The following steps explain the cashless claim settlement procedure:

Step 1: First, you need to intimate the insurance company by filling the online application form that is available in the official website. You can also send SMS to 9222211100 by typing ‘MOTORCLAIM’ or call on 02267837800/ 18605003333/ 1800220233.

Step 2: A surveyor will be sent by the insurance company to inspect your moto bike and check the damage type.

Step 3: You need to submit all the important documents to the surveyor for verification purposes.

Step 4: Once the verification is done, the claim amount will be sent to the network garage.

Reimbursement Claim Procedure

The following are the steps related to the reimbursement claim:

Step 1: Firstly, you have to apply for the claim to the insurance company online or call at 02267837800/ 18605003333/ 1800220233. Alternatively, you can type ‘MOTORCLAIM’ and send it to 9222211100.

Step 2: The insurance company will send a surveyor to inspect your vehicle.

Step 3: Once the inspection is done, you have to submit the relevant documents that show the proof of your vehicle’s damage.

Step 4: Once the verification is done, the insurance company will do the payment to the workshop and send the bill to the surveyor.

Step 5: Finally, the company will disburse the amount to the insured within seven working days from the date of submission of documents.