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Car Insurance
Bought your dream car? But did you protect it against damages yet?
Repairing or replacing your car parts in the event of an accident or damage can be super inconvenient. But more than that, it can cost you a fortune. This is why you need car insurance.
It gives you financial protection against accidents or damages to your car. It also covers injuries sustained by others in the accident.
Car insurance provides coverage for medical expenses, repair costs, and liability to others involved in the accident. With an insurance policy in place, you can enjoy peace of mind knowing that all financial expenses can be taken care of in case of an accident or damage to your vehicle.
What is Car Insurance?
Your car is a friend you can always trust. Shouldn’t its safety be your priority?
You may be a safe driver behind the wheel. But your car’s safety is not always in your hand. With Generali Central’s Car Insurance, your car-related troubles take a back seat and you drive worry-free.
With our policy, you get protection against accidents, theft, damages, and much more!
Your car insurance or four-wheeler insurance policy depends on multiple factors like the make and model of your car, the level of coverage, location, etc. It also covers non-collision incidents such as theft, vandalism, or natural disasters.
You can select from a variety of vehicle insurance depending on the type of coverage you want. You can also select the frequency of the premium payment based on your preference. For example, you can pay the car insurance premiums monthly, quarterly, semi-annually, or annually.
What's more? With Generali Central, you can easily buy or renew car insurance online in a few simple steps.
Our motto is, you own it… We’ll cover it!
Why Choose Generali Central's Car Insurance?
Generali Central makes buying and renewing a car policy easier. So why settle for an average insurance policy when you can have so much more? With our comprehensive car insurance plan, you get benefits like-
INCLUSIONS
INSTANT POLICY ISSUANCE
RENEWAL REMINDER
6500+ partner workshops across India
Hassle-free Claim Process
Roadside Assistance
Towing Assistance (for accidents)
Quick Surveys
Anti-theft Devices
GCI Xpress and Xpress+
Add On Covers
Generali Central's motor vehicle insurance has got you (and your car) covered. With our four-wheeler policy, you get comprehensive car insurance coverage and much more. Our affordable policy comes with the following car insurance add-ons-
Other Benefits
Zero Depreciation
Works like anti-ageing. We forget your car is old and depreciated and offer you full claim value.
Theft or Loss of Keys
That is a sad situation. But fall back on us to reimburse the cost of replacement of key and locks.
Loss of Personal Belongings
Don’t lose hope. You can always take a new phone, laptop, etc. with the benefit we offer you.
Tyre Damage
No matter how strong, they get damaged. We reimburse you for tyre bursts, bulges, puncture, cuts, accidental damage and more
NCB Protection
We allow you to have an NCB advantage at the time of renewal, even if you claim in the previous year.
Engine Protector
Keep your engine running. We cover all losses and damages to the engine or gearbox caused by an accident.
Return To Invoice
We even stand with you when your car becomes a total loss after damage. We pay you the difference in the insurance value and invoice price of the bike.
Inconvenience Allowance
We understand repairs cause travel inconvenience. We pay you per day for the time your car is in the repairs.
Legal Liabilities
- Hired driver/conductor/cleaner for the car
- Employees travelling in/driving the car other than paid driver
- Non-fare paying passengers
Benefits of Having a Car Insurance
You can enjoy several benefits with car insurance coverage. Some of them include-
Financial Protection
Your vehicle insurance policy provides financial protection in case of accidents, theft, or damage to your vehicle. It provides you with the financial support you need to cover the costs of repairs or replacement of your vehicle. Without car insurance, you would have to pay for these expenses out of your own pocket, which can be expensive and financially straining. Moreover, the policy also covers non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes.
Third-party Liability
Suppose you meet with an accident and are found to be at fault. In such a situation, you may be responsible for the damages or injuries caused to the other party. This can lead to legal action against you. You may also have to pay for the damages out of your own pocket. But with 4-wheeler insurance, you get coverage for third-party liability. This means that your insurance company will pay for the damages or injuries to the other party involved in the accident. This can help you avoid financial and legal consequences and enjoy peace of mind knowing that you have protection in case of an accident.
Peace of Mind
Without car insurance, you constantly worry about the potential costs of an accident or theft, which can impact your driving and overall well-being. Knowing that you are protected in such unfortunate events gives you peace of mind and reduces your stress levels while driving. It is an assurance that you have financial and legal protection in case of an accident or theft. This makes your driving experience safer and more enjoyable. Plus, with Generali Central, you also get other added benefits like roadside assistance, zero depreciation, legal liabilities, etc.
Legal Protection
In India, it is mandatory to have car insurance. non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes. Additionally, the insurance protects you from legal issues that may arise if you are involved in an accident. For example, if you are at fault for an accident, you may be liable for damages or injuries sustained by the other party involved. This can result in a lawsuit, which can be costly and time-consuming to resolve. Car insurance gives you legal protection by covering the costs of legal fees and any settlements or judgments that may result from a lawsuit. This can save you time, money, and stress in the event of a legal dispute.
Coverage for Medical Expenses
If you get into an accident, you will not only have to bear the repair costs of your car, but you might also get hurt, leading to high medical expenses. In such cases, your motor insurance will cover the medical expenses of you and your passengers, regardless of who is at fault for the accident. This includes hospitalization, surgery, medication, and other necessary treatments. This helps you avoid unnecessary stress and financial burden during an already difficult time. Moreover, some policies also offer additional coverage for specific medical conditions or injuries. For example, if you have a pre-existing medical condition that requires regular treatment, you may be able to get coverage for these treatments through your car insurance policy.
Financial Protection
Your vehicle insurance policy provides financial protection in case of accidents, theft, or damage to your vehicle. It provides you with the financial support you need to cover the costs of repairs or replacement of your vehicle. Without car insurance, you would have to pay for these expenses out of your own pocket, which can be expensive and financially straining. Moreover, the policy also covers non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes.
Third-party Liability
Suppose you meet with an accident and are found to be at fault. In such a situation, you may be responsible for the damages or injuries caused to the other party. This can lead to legal action against you. You may also have to pay for the damages out of your own pocket. But with 4-wheeler insurance, you get coverage for third-party liability. This means that your insurance company will pay for the damages or injuries to the other party involved in the accident. This can help you avoid financial and legal consequences and enjoy peace of mind knowing that you have protection in case of an accident.
Peace of Mind
Without car insurance, you constantly worry about the potential costs of an accident or theft, which can impact your driving and overall well-being. Knowing that you are protected in such unfortunate events gives you peace of mind and reduces your stress levels while driving. It is an assurance that you have financial and legal protection in case of an accident or theft. This makes your driving experience safer and more enjoyable. Plus, with Generali Central, you also get other added benefits like roadside assistance, zero depreciation, legal liabilities, etc.
Legal Protection
In India, it is mandatory to have car insurance. non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes. Additionally, the insurance protects you from legal issues that may arise if you are involved in an accident. For example, if you are at fault for an accident, you may be liable for damages or injuries sustained by the other party involved. This can result in a lawsuit, which can be costly and time-consuming to resolve. Car insurance gives you legal protection by covering the costs of legal fees and any settlements or judgments that may result from a lawsuit. This can save you time, money, and stress in the event of a legal dispute.
Coverage for Medical Expenses
If you get into an accident, you will not only have to bear the repair costs of your car, but you might also get hurt, leading to high medical expenses. In such cases, your motor insurance will cover the medical expenses of you and your passengers, regardless of who is at fault for the accident. This includes hospitalization, surgery, medication, and other necessary treatments. This helps you avoid unnecessary stress and financial burden during an already difficult time. Moreover, some policies also offer additional coverage for specific medical conditions or injuries. For example, if you have a pre-existing medical condition that requires regular treatment, you may be able to get coverage for these treatments through your car insurance policy.
What is Covered by Generali Central's Car Insurance Policy?
At Generali Central, we only want the best for our customers. This is why our four-wheeler insurance policy covers a host of benefits. These include the following-
INCLUSIONS
Hassle-free Claim Process
At Generali Central, making a claim is as simple as buying car insurance online. You can easily make a claim online or offline in a few simple steps.
6500+ partner workshops across India
With Generali Central's new car insurance, you can repair your car at any of the 6500+ partner workshops across the country.
Roadside Assistance
Car broke down in an unknown place with no mechanic in sight? Worry not. Our comprehensive car insurance coverage got you covered. No matter the time or place, we're always ready to help you with roadside assistance whenever you need it.
Towing Assistance (for accidents)
Accidents can take a toll on your physical and mental health. In such a situation, worrying about getting your car towed can be an added hassle. But not with Generali Central's car insurance. When you buy online car insurance from Generali Central, you also get towing assistance in case of an accident, no matter where you are.
Anti-theft Devices
You are eligible for anti-theft device discount in Our Comprehensive Car Policy, If Your vehicle is fitted with anti-theft device as approved by Automobile Research Association of India (ARAI).
GCI Xpress and Xpress+
Motor insurance can take a lot of time to settle. And we at Generali Central understand this. That’s why we offer two express claim services – GCI Xpress and Xpress +. By opting for these, you can skip the long line and get on-priority car repairs and claim settlements.
What is not covered?
EXCLUSIONS
Normal wear, tear and general ageing of the vehicle
Loss or damage due to war, mutiny or nuclear risk
Any accident outside the geographical area
Any damage to / by a person driving the vehicle without a valid license
Any damage to / by a person driving the vehicle under the influence of drugs or liquor
Key Features of Car Insurance Policy
When you buy four-wheeler insurance online from Generali Central, you get to enjoy premium features like-
Affordable pricing- Comprehensive coverage
- Flexible premiums
- A hassle-free claim process
- 24*7 assistance and much more
Moreover, with our GCI Xpress and Xpress+ policies, you get exciting features like-
Roadside Assistance
Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7.
GCI Xpress & Xpress+
A simplified process to offer you a more personalised service at the same time smooth and speedy claims settlement.
Reasons to Buy Car Insurance Online
With Generali Central, you can easily buy a car insurance policy online from the comfort of your home. If you haven't considered buying third-party car insurance online, here are a few reasons why you must-
Convenience
One of the major benefits of buying car insurance online is the convenience it offers. You can compare car insurance policies, coverage options, and premium rates without leaving your home or visiting multiple insurance agents or companies.
Cost-effective
Buying car insurance online can also be cost-effective. This is because many insurance companies offer discounts for online purchases. You can also compare multiple quotes and coverage options to find the best deal that fits your budget and requirements.
Time-saving
Online car insurance renewal or buying can save you time as well. You can easily find and compare policies and premiums from multiple insurance companies. All this without scheduling appointments with insurance agents.
Easy Access to Information
Buying car insurance online gives you easy and quick access to essential information about different policies, coverage options, and terms and conditions. You can also read through policy documents and FAQ sections to understand the coverage and limitations of each policy.
Faster Claim Processing
Insurance companies typically have faster processing times for online claims and renewals. Why? Because they use digital technology to simplify the process. This means that you can file a claim and receive reimbursement or repairs faster as compared to traditional insurance companies.
Flexibility
Car insurance buying or car insurance renewal online gives you greater flexibility to manage your policy. You can easily update your policy information, make payments, or file a claim online at any time, without visiting the insurance office.
Factors Affecting Car Insurance Premium
Your car insurance premium is the amount you pay for your car insurance policy. It can vary depending on several factors. Here are some of the key factors that can affect your car insurance premium-
Type of Vehicle
The type of vehicle you drive can affect your insurance premium. Sports cars and luxury vehicles are typically more expensive to insure than standard sedans or hatchbacks. This is because they are more expensive to repair or replace. As a result, the premium you pay on these cars is usually higher.
Usage
How you use your car can also affect your car insurance price. If you use it for business or commuting purposes, you will typically pay a higher premium than if you only use it for personal use.
Coverage Options
Your insurance premium also depends on the coverage options you choose. For example, if you want add-ons like legal liabilities or tyre damage to your policy, your premium will be higher.
Location
Your location can also affect your car insurance premium. Similarly, if you live in big cities and metros with heavy traffic throughout the day, your premium will be high.
Type of Engine
Cars that run on diesel usually have higher insurance premiums. This is because diesel vehicles and their IDVs are expensive. Therefore, the car insurance price for these vehicles is higher than their petrol or CNG counterparts.
Customizations
Many insurance providers allow you to customize your third-party car insurance policy to fit your requirements. While this is a great way to get your desired insurance coverage, it can be more expensive than a regular policy.
How to Reduce Car Insurance Premium?
While car insurance is important to protect your vehicle against accidents or damages, it can take a toll on your finances. However, you can take a few steps to reduce your insurance premiums. These include-
Increase Your Deductibles
You can reduce your insurance premiums by increasing the amount you are willing to pay before your insurance coverage kicks in. However, make sure to choose a deductible that you can afford to pay in case of an accident.
Drive Safely
A clean driving record can lower your insurance premium. This is because insurance companies consider safe drivers to be a lower risk.
Choose a Safe Car
Cars with advanced safety features and a high safety rating are considered lower risk, which can reduce your premiums.
Opt for a Higher No-Claim Bonus
A no-claim bonus is a discount on your insurance premium if you have not made any claims during the previous year. By opting for a higher no-claim bonus, you can lower your premium.
Research Well
Comparing quotes from different insurance providers can help you find the best deal on car insurance. Remember to compare not only the premium but also the coverage and deductibles offered.
Pay Annually
Many insurance companies offer a discount for annual payments. Therefore, opting for annual payments can help you reduce your premium amount.
What Factors Impact Insured's Declared Value (IDV)?
The Insured's Declared Value (IDV) is the maximum amount that the insurance company will pay in case of total loss or theft of a vehicle. Several factors affect the IDV of a vehicle. These include-
- Age of the vehicles
- Make and model of the vehicle
- Fuel type
- Geographical location
- Accessories
- Condition of the vehicle
- Insurance claims history
- Market value of the vehicle
- Age of the vehicles
- Make and model of the vehicle
- Fuel type
- Geographical location
- Accessories
- Condition of the vehicle
- Insurance claims history
- Market value of the vehicle
When choosing an insurance policy, make sure to keep these factors in mind. This will help you calculate the IDV accurately and ensure adequate coverage in case of total loss or theft of the vehicle.
Some Helpful Documents
When buying or renewing car insurance, you must present the following documents-
- The original copy of the Vehicle Registration Certificate
- A valid Driving License
- Identity proof (passport, Aadhaar card, voter ID card, or PAN card)
- Address proof (utility bill or rental agreement)
- Previous insurance policy (if you are renewing the policy)
- PUC certificate
- Vehicle inspection report
Why buy Car Insurance
Our insurance policy provides comprehensive coverage, which includes
Covers damages
Imagine damages like a broken windshield, dents, and shattered headlights. Can’t, right? Well, with our insurance, you won’t have to!
Third-Party Liability
Stay financially protected in situations where someone is injured or if their property is damaged with our third-party liability cover.
Personal Accident Cover
Accidents hurt, but financial security doesn’t! Secure yourself and your family today with our personal accident cover. Get accident cover up to Rs. 15 lakhs!
Roadside Assistance
Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7.
How Can I Purchase Generali Central's Car Insurance?
Review your quote
Select a quote that suits you and fill our proposal form.
Pay and get your policy
Now pay the premium and get your policy in your inbox!
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your car needs. You also get documents for your better understanding and convenience.
Policy Schedule
You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premiums Receipt
You will receive the receipt of the premium amount you have paid to purchase this policy.
Policy Coverage and Terms & Conditions
This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Endorsement form
In case, you wish to make any changes to your policy document, fill in the service request form and submit it to the nearest branch.
Claim form
You can intimate your claim online or submit the form to your nearest branch or alternatively email it to us.
Complaint/feedback form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal
In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.
What is the claim process?
We treat our customers like VIPs and so our claim process is short and swift.
Contact Us
Fill an online form or call us at our toll-free number 1800-220-233
Inspection
Our surveyor will inspect your vehicle
Documents
Provide requested documents by the surveyor
Approved Amount
Approved claim amount will be communicated to the workshop
Direct Payment
Payment will be directly made to GCI workshop
FAQs – Frequently asked questions
Yes,you have to contribute a minimum amount towards own damage claims which is known as Deductible-e.g.Rs.1000 for each claim for car with cubic capacity up to 1500 CC will have to be borne by you.In addition,replaced parts are subject to the depreciation scale(Refer Policy Wordings for the scale of depreciation applied for various parts)in the claim assessment. For e.g.50% depreciation is applied on all the plastic parts.
Note:depreciation waiver cover can be separately opted. Zero depreciation add on cover is provided by Generali Central for vehicles up to the age 5 years.
Yes,it is possible to insure the paid driver(Legal Liability to Employees)under provisions of Workmen’s Compensation Act as amended.This cover is available on payment of a nominal premium amount.
Yes,it is compulsory to insure the Registered Owner of the vehicle against risk of Personal Accident only if he/she holds a valid driving license.This cover is available on payment of a nominal premium amount.
Yes,they may be insured against risk of Personal Accident for a sum not exceeding Rs.2 lakhs per passenger by paying an additional nominal premium.
No Claim Bonus is allowed to the Insured and not to the insured car.Hence,on sale of the car,the insurance policy can be transferred to the new owner but not the No Claim Bonus.The new owner has to pay the difference on account of No Claim Bonus for the balance policy period.The original owner can,however,use the No Claim Bonus from his old car(the one he has sold)to a new car purchased by him.For this he has to apply to the existing insurance company and get the No Claim Bonus reserving letter
Motor insurance premiums can be influenced by various factors like the make and model of the vehicle, your driving history, the vehicle's age, and the type of coverage.
Motor Own Damage Insurance is a form of insurance to help you in the event of damage to your car in an accident.Motor Own Damage Insurance covers a wide variety of cases,from broken windows to theft or damages arising out of an accident.
Motor third-party insurance cover,which is also referred to as the‘act only’cover,is a statutory requirement under the Motor Vehicles Act,1988.It is referred to as a‘third-party’cover since the beneficiary of the policy is someone other than the two parties involved in the contract(the car owner and the insurance company).The policy does not provide any benefit to you.However,it covers any legal liability that you may incur due to death/disability of third-party and/or loss or damage to the third-party property while using the car.
In India, you can select from three types of motor insurance policies for your car or bike:
Third-party liability insurance (mandatory by law)- Own damage cover
- Comprehensive cover
For the Own Damage Claims Yes,you can opt for a cashless claim settlement if you approach our Generali Central Convenient Workshops for repairs to your car.In case you get your car repaired in a non-network workshop,Claims will be directly settled to you upon submission of all required documents within 7 days.
Third Party claims are awarded by Motor Accident Claims Tribunals as per provisions of Motor Vehicles Act 1988 and settled by Generali Central.
Insuring your car against the risks of Third Party liability is mandatory as per Motor Vehicles Act 1988.Most private car owners however prefer comprehensive or package policy covering the risks of loss or damage to the car-Own Damage in addition to the Third Party Liability Risk.
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Car insurance renewal-it's something that everyone has to tackle, but let's be honest, most of us do it at the last minute. Maybe you're busy, or that renewal date slips your mind. It happens. The good news? Renewing your car insurance on Generali Central is actually easier than it seems. With a little prep and the right details, you can renew quickly and maybe even save some money. Here's how to breeze through the process-and actually get the value you should.
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Download documents
PRODUCT NAME: Motor Protect Private Car Package Policy | UIN NO: IRDAN132RPMT0001V06201213 | LAUNCH DATE: 1ST OCTOBER 2020
*Discounts has been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discount applicable only to the Own Damage section and discount may vary as per the vehicle make, model, RTO, age of the vehicle.
