What to do in case my vehicle meets with an accident?
As soon as your vehicle meets with an accident or injures a third party or damages the property of a third party, inform us on our contact centre +91 22 40976655. Our claims executive will get in touch with you and guide you on the procedures and documents necessary to process your claim.
What if the accident takes place in a city other than where the policy was issued?
It doesn't matter where the accident happens. Just call our contact centre and our claim executive will guide you through the procedures.
Do I need to report the loss to the police?
You have to obtain a FIR in any of the following cases:
- Bodily Injury to any Third Party involved in the accident.
- Theft of the entire vehicle.
- Theft of accessories, stereo-recorders, other vehicle parts.
- Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists, etc.
- For all commercial vehicles.
Is spot survey compulsory for commercial vehicle?
Yes. Spot survey is compulsory for commercial vehicle.
Are the accidental damages to my vehicle covered under the policy?
If you are having Own Damage coverage under your motor insurance policy with Future Generali, the damages to your vehicle will be covered under the policy. Subject to terms and condition and exclusion of the policy.
What is third party insurance liability? Are the damages to vehicle covered under this policy?
As per the Motor vehicle Act 1938, no vehicle can ply in a public place without the Third Party insurance coverage; Third Party insurance covers the following:
- Any injury / death to a person caused by your car.
- Any damage caused to the property (excluding your own vehicle) of some other individual by your vehicle.
In any of the above events, the insurance company will be liable to the person suffering such a loss.
What if I am having only Theft and Act policy or Act Only Policy for my vehicle? Would the loss to my vehicle be covered under the policy?
If you are having a Theft or Act only policy, accidental damages to your vehicle would not be covered. Only Theft of vehicle is covered under Theft Policy. Similarly and third part liability will be covered under Act policy.
What is the claim procedure after the claim is notified?
Future Generali will take the following steps as mentioned below once the claim is notified.
- The surveyor will be appointed within 24 hours from the time of notification.
- The surveyor will carry out the inspection and assess the loss and inform the assessment to the insured.
- The surveyor will carry out the Re-inspection after the repairs are completed.
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Post Repairs - Non Cashless Workshop
Insured have to make the payment to the workshop.
Original repair invoice and payment receipt needs to be submitted to Future Generali.
Claim amount will be settled within seven working days after receiving the final document.
Post Repairs – Cashless Workshop
- In Case of Future Generali Convenient Workshops insured have to pay the difference amount as informed to him by our surveyor.
- Future Generali Convenient Workshops will submit the original bill and satisfaction voucher to Future Generali after the delivery of the vehicle to the customer.
- Future Generali will settle the claim amount with the work shop within seven working days from the date of receipt of final document.
What are the documents that need to be kept ready?
In case of own damages claim following is the indicative list of documents required:
- Claim form duly filled and signed by the insured.( You can download the claim form from our website)
- Copy of registration certificate of the vehicle along with original for verification.
- Copy of effective and valid driving license along with original for verification.
- Policy copy
- FIR (For Theft, Third party Injury / Damage; Commercial vehicle, Highway accidents-Major losses only).
- Repair bills and receipt.
In addition to above documents following documents as mentioned below will be required for Commercial Vehicle.
- Copy of Fitness certificate along with original for verification.
- Copy of Permit along with original for verification.
- Copy of Load challan along with original for verification.
Our surveyor would update you on the additional documents required in case of theft claims.
How do I get a claim form?
A form is included in the policy kit that you must have received. However for your convenience our representatives will supply the claim form for you. The claim form would also be available in our Future Generali Convenient Workshops .You can also down load the claim form from our web site.
Where will the survey be carried out?
Surveyor will come to the workshop where the vehicle will be left for repairs.
How soon will the surveyor reach for spot survey?
Spot Survey will be completed within 24 working hrs.
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What if my vehicle is not in a driving condition?
Immediately notify the loss to Future Generali on our contact centre. Our contact centre executive will assist you to get your vehicle towed to our Future Generali Convenient Workshops .. In the meanwhile keep the vehicle in safe place.
Where should I repair my vehicle?
You can get your vehicle repaired at any of our Future Generali Convenient Workshops Our surveyor or Contact Centre will also assist you in selecting one of our Future Generali Convenient Workshops.
What if I want to use a workshop of my own choice?
If you choose to use your own workshop please note that, we will be unable to offer a cashless facility to you. You will have to make the full payment to the workshop and submit the final bills and receipt. You will receive the claim amount within seven days after submitting the final document.
How much time will be required to repair the vehicle?
It depends on the extent of the damages to your vehicle and also on the time that the workshop will take to repair the vehicle. However if you have opted to repair the vehicle in our Future Generali Convenient Workshops you will get the priority for repairs among other vehicles.
What is the amount that I would have to bear for the claim?
You will have to bear the following:
- The amount of depreciation as per the rate indicated in the policy document.
- Compulsory deductible under the policy.
- Voluntary deductions under the policy, if you have opted for it.
What to do in case of Third Party property damage or bodily injury?
Intimate Future Generali about the accident and update the details mentioned for third part property damage or bodily injury in the claim form.
Don’ts
Don’t admit any fault or liability.
Don’t forget to record the details of damage caused to any property or injury to anyone involved.
Don’t make any payment to the third party.
What is the effect of claim on my policy?
In case of any claim during the insured policy period, at renewal, you will loose all the NCB “No Claim Bonus” that you have accrued over the years. Also there will be a loading on your premium at the time of renewal.
What should I do if my vehicle is stolen?
Immediately notify the loss to the nearest police station from the place where the vehicle was stolen and also intimate the same to Future Generali on our contact centre number. Our surveyor will get in touch with you and assist you for further course of action.
What should I do if only windscreen of my vehicle is damaged?
Immediately notify the loss to Future Generali on our contact centre, we have a tie up with Windshield experts who will arrange to repair or replace the glass damage. This service can also be available at your door step.
Are the accidental damages to my vehicle covered if someone else was driving at the time of accident?
If your vehicle is insured under comprehensive insurance policy and the person driving your vehicle holds a valid driving license the accidental damages are covered subject to terms and conditions as indicated in the policy.
Is the Personal Accident cover applicable to any other person driving my vehicle?
Yes. If the insured has paid an additional premium to get an coverage of personal Accident to the insured or any named person other than paid driver or cleaner.( Applicable to private cars and motorized two wheelers.
What if I have an accident with an uninsured vehicle? What is the extent to which I am covered?
If you have taken a comprehensive policy for your vehicle you are fully covered against all the accidental damages to your vehicle subject to terms and condition indicated in the policy document. Your are also covered for the Third Party liability if any arising out of the said accident subject to terms and conditions mentioned in the policy document.
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Who is eligible for the claim if there is a hypothecation on my vehicle?
If a vehicle under hire purchase or hypothecation is a total loss, the claim for accident damage or theft is paid to the finance company, bank or corporate body with whom the vehicle is leased/hypothecated. However, if the damage can be repaired, the claim is normally paid to the vehicle owner. If it's a cashless repair facility at an authorized dealer, then the amount is paid to the dealer where the vehicle has been repaired.
Can I claim for accumulated damages over a period of time?
No. As per policy condition mentioned in the policy every loss has to be intimated immediately to insurer. Insurer should get an opportunity to survey and assess the loss. Moreover policy excess is applicable for every claim.
Will you give me an advance on the basis of a damage estimate?
No, your vehicle must first be repaired, after which we reimburse the amount payable to you under your policy
What is meant by Total Loss?
The insured vehicle shall be treated as a Constructive Total Loss, if the aggregate cost of retrieval and/or repair of the vehicle subject to the terms and conditions of the policy, exceeds 75% of the IDV of the vehicle. Total Loss refers to accident damage to your vehicle where the cost of repairs amounts to more than 75% of the IDV on your policy.
What is salvage and what happens to it?
Salvage refers to discarded parts that are damaged beyond repair and, therefore, need to be replaced.
If these parts have no economic value (broken glass, torn plastic, rubber parts), they are thrown away. However, parts like doors, panels, petrol tanks, front forks, etc., do have a residual commercial value. To avoid recycling of such parts that may be repaired and sold as new, these need to be mutilated to prevent malpractices by unethical workshops. Sometimes a nominal amount is deducted towards salvage from the claim amount as assessed by the surveyor.
What is compulsory deductible?
An excess is the amount for which you are responsible in the event of a claim. It is meant to reduce the number of small claim.
What is voluntary excess?
This is the amount you have opted at the time of purchase of insurance. This is in addition to compulsory excess applicable at the time of claim.
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