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Future Motor Secure

Your car is your pride, a source of joy and your delightful getaway from the mundane life. Imagine if something untoward happens to your car? Behind the wheels, you are a careful driver. However, your vehicle’s safety is not only in your hands. With us, you choose not only a reliable partner but a fast and secure experience for your car.Read More

Future Motor Secure takes care of any damage that your vehicle may suffer. This plan covers everything including third party expenses. So now when you drive, rest assured, we take just as much care of your car as we do of you. Read Less

FEATURES

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Cashless settlement in 2500+ network garages**

Coverage for theft, accidents and terrorist activities

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Instant policy issuance

Claims finalisation within 7 working days from the receipt of all documents

Towing assistance (within city limits only) hence

PLAN OPTIONS/VARIANTS

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    Future Motor Secure

    • Vehicle damage: This benefit covers any damage to your vehicle on account of an accident, burglary, theft or housebreaking.
      • It also covers your vehicle on account of any damage caused due to fire, lightning, self-ignition, explosion, riot, strike, malicious act, terrorism, earthquake, flood, cyclone and inundation This cover also encompasses protection against any damage caused to your vehicle while in transit by road, rail, air and elevator.

    Third party liability: This benefit protects you against any third party liability that you may incur on account of the death or bodily injury to any person or damage to property. The policy also covers the legal expenses you might incur to defend this claim. This is a mandatory insurance coverage for your vehicle.

    • Coverage for natural disasters like earthquakes, floods, fires and storms
    • Cashless repairs in 4300+ network garages**
    • Coverage for theft, accidents and terrorist activities
    • No claim bonus## up to 50%
    • ₹15 lakh Personal Accident Cover, if opted by insured
    • 8 add ons to choose from
    • Third-party legal liabilities cover
    • Third party’s death or injury
    • Instant claim settlement via InstaSpect#

    Stand-alone own-damage car insurance

    • Coverage for natural disasters like earthquakes, floods, fires and storms
    • Cashless repairs in 4300+ network garages**
    • Coverage for theft, accidents and terrorist activities
    • No claim bonus## up to 50%
    • 8 add ons to choose from
    • Instant claim settlement via InstaSpect#

    Third party car insurance

    • Third party’s death or injury
    • Third-party legal liabilities cover
    • ₹15 lakh Personal Accident Cover, if opted by insured

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    Add-ons*

    • Roadside assistance cover: In case of a breakdown/accident with – towing to network garage, battery jumpstart, minor repairs, on-call support and taxi benefits.
    • Engine protect plus cover: Pays for repair or replacement of a damaged engine. A handy add-on for those who stay in a region prone to flooding during the rains, or if you own a high-end car.
    • Consumables protect cover: Pays for repair or replacement of nut and bolt, screw, washer, grease, lubricant, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, break oil and related parts.
    • Zero depreciation cover: As your car ages, the value of its parts decreases or depreciates. Zero Dep. cover compensates you for the claim amount that gets deducted because of depreciation.
    • Garage cash cover: Gives a daily allowance for alternate travel while your car is repaired at the garage. You can use this money to pay for cab or auto fare.
    • Loss of personal belongings cover: Covers personal belongings, such as your camera, Bag, Sun glasses and clothes in your car. It has you covered, in case these belongings go missing from your car or get damaged in an accident.
    • Key Protect: In case of damage or loss of car keys due to theft or burglary, the cost of repairing/replacing the car keys is compensated.
    • Return to Invoice: Pays the Insured the difference between the Insured’s Declared Value (IDV) of the insured vehicle and the total actual expenses incurred towards acquisition of a new vehicle of similar make and model to the insured, upon the occurrence of Total Loss / Constructive Total Loss as defined in the Policy
    • NCB Protect: protects Your Earned No claim Bonus, in the event of an Own Damage claim made for Partial Loss including claims for Windshield glass, Total Loss, and Theft of vehicle/ accessories

Exclusions

Exclusions

  • Car wear & tear and ageing
  • Damages while driving under the influence of drugs or liquor
  • Any consequential loss
  • Mechanical or electrical breakdown
  • Damages while driving without a valid license
  • Loss/damage due to war, mutiny or nuclear risk

CLAIMS

Cashless Claims

  • Note the number of the other vehicle involved in the accident, if any.
  • Note down the names and contact details of witnesses, if any.
  • Contact our toll free number 1800 2666 and get your claim number / reference number or alternatively send SMS as “CLAIM” to 575758 and you will receive call from call center representative.
  • The Call Centre Representative will provide you with the details of the documents required for claim processing and also details of our preferred cashless garage.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Take the vehicle immediately to the suggested garage.
  • Our Customer Service Manager (CSM) will contact you within 24 hours of registering the claim.
  • Submit all the required documents to the dealer / CSM and get them verified with the originals.
  • Our CSM will get the estimate for the repairs of your vehicle and give approval after assessment.
  • Payments that need to borne by us at our preferred garage will be made directly to the garage on completion of the repairs.
  • Our CSM will inform you about the balance amount that has to be paid by you as per policy terms and conditions.

Reimbursement Claim

  • Note the number of the other vehicle involved in the accident, if any.
  • Note down the names and contact details of witnesses, if any.
  • Contact our toll free number 1800 2666 and get your claim number / reference number or alternatively send SMS as “CLAIM” to 575758 and you will receive call from call center representative
  • Our Customer Service Manager (CSM) will contact you within 24 hours of registering the claim.
  • Submit all the required documents to the CSM and get them verified with the originals. Click here to download claim forms
  • ICICI Lombard will initiate the claim process
  • ICICI Lombard will reimburse the approved claim amount directly to the customer

Bajaj Allianz life Smart Protect Goal

Disclamier

* Add on covers are available by paying additional premium. This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale.Read More

“For detailed information on risk factors, term & conditions etc., please refer to the product brochure and policy wordings, consult your advisor/agent or visit Future Generali’s website before concluding a sale”
Future Secure Two Wheeler Package Policy - IRDAN132RP0016V01200708
Future Secure - Two Wheeler (Liability Only) - IRDAN132RP0019V01200708
Standalone Motor OD Future Secure Two Wheeler Policy - IRDAN132RP0001V01201920Read Less

FREQUENTLY ASKED QUESTIONS

Why do I need to insure my car?

In India, third-party car insurance is compulsory for all car owners. Moreover, own-damage car insurance covers you in case of accidents, theft and fire. In case of any untoward incident, you don't have to pay out of pocket for repairs or replacement if you have a valid insurance policy.

What are the benefits of buying motor insurance online?

When you buy motor insurance online, you get an instant policy, as there is no documentation or paperwork involved. You also have the advantage of choosing from multiple payment options, e.g. credit card (Visa, Master, AMEX card), net banking, debit card etc.

What are the various types of vehicles that I can insure online?

You can insure a private car and two-wheeler online.

How quickly can I buy/ renew car insurance online?

It takes just a few minutes to buy or renew car insurance online. You just have to enter the vehicle details, contact info and insured details, and pick the covers you need. Once you make the payment, you receive an instant policy.

Are offline and online car insurance policies the same?

Yes, they are. In case of online car insurance, once you make payment, we send the policy documents to your email and your registered address.

Where can I check my car insurance policy details?

You can check all your car insurance details in your policy documents. You can also login to our website or IL Take Care app to check the below details: Policy number, Policy start and end date, Policy type (Comprehensive/OD only/TP only)Engine & chassis number 

What is an endorsement?

An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.

Do I need a valid PUC to drive in India?

Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

Do I need to have a valid insurance policy to get my new vehicle registered?

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

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