Future Generali Commercial Vehicle Insurance

With Future Generali Commercial Vehicle Insurance, you can safeguard your business from the unexpected. Whether you have a fleet of delivery trucks or a single company car.

Vehicles Included are :

This insurance policy offers comprehensive coverage for a variety of commercial vehicles, including:

  • Delivery trucks
  • Box trucks
  • Pickup trucks
  • Vans
  • Taxis
  • Buses

Key features and Benefits

Key FeatureBenefit
Coverage for damages to the vehicleProtects your commercial vehicle from damages due to accidents or events
Coverage for third-party liabilitiesCovers legal liabilities arising from accidents involving your vehicle
Roadside assistanceProvides assistance in case of a breakdown or accident on the road
Cashless claim settlementAllows you to get your vehicle repaired at any of the network garages
No-claim bonusOffers a discount on your premium if you don’t file any claims
Transfer of insuranceAllows you to transfer your insurance to the new owner of the vehicle
Coverage for personal accidentCovers accidental death or disability of the driver

Types of Insurance

One type of coverage offered by Future Generali is third party liability insurance. This type of policy covers damages or injuries caused to third parties, such as other drivers or pedestrians, in an accident involving your commercial vehicle. This coverage is required by law in India and protects you from financial liability in the event of an accident.

Another option is comprehensive insurance, which covers damages to your own vehicle in addition to third party liability. This type of policy offers protection against a wide range of risks, including accidents, natural disasters, theft, and vandalism. Comprehensive insurance is a good choice for businesses that rely on their commercial vehicles as a primary source of income.

Why choose Future Generali Commercial Vehicle Insurance?

  • Wide coverage : This policy covers a wide range of commercial vehicles, ensuring that you can protect all of your business assets.
  • Customizable coverage : You can tailor this policy to meet the specific needs of your business, so you only pay for the coverage you need.
  • Reputable company : Future Generali is a trusted and reputable insurance company with years of experience in the industry. You can trust that you are in good hands with this policy.

Coverages are Included

  1. Accidents : Comprehensive insurance covers damages to your commercial vehicle caused by an accident, whether it is your fault or the fault of another driver.
  2. Natural disasters : If your commercial vehicle is damaged by a natural disaster, such as a flood or a storm, comprehensive insurance will cover the damages.
  3. Theft : If your commercial vehicle is stolen, comprehensive insurance will cover the cost of replacing it.
  4. Vandalism : If your commercial vehicle is damaged by vandals, comprehensive insurance will cover the cost of repairs.

Coverages not Included

  1. Wear and tear : Normal wear and tear of your commercial vehicle is not covered under your policy. This includes things like worn tires or brakes, or other parts that naturally degrade over time.
  2. Damage caused by illegal activities : If your commercial vehicle is damaged while being used for illegal activities, such as smuggling or transporting stolen goods, the damages will not be covered by your policy.
  3. Intentional damage : If you or another driver intentionally causes damage to your commercial vehicle, it will not be covered under your policy.
  4. War or nuclear risks : Any damages caused by war, nuclear accidents, or other such events are not covered under your policy.
  5. Electromagnetic radiation : Damage caused by electromagnetic radiation, such as lightning strikes, is not covered under your policy.
  6. Electrical or mechanical breakdown : If your commercial vehicle suffers from an electrical or mechanical breakdown, the repairs will not be covered under your policy.

How to Buy and Renew Future Generali Commercial Vehicle Insurance?

  1. Determine the type of coverage you need :
  • Determine the type of coverage you need based on the specific needs of your business and the type of vehicles you operate.
  • Consider factors such as the value of your vehicles, the nature of your business, and the types of risks you face on the road.
  1. Research and compare policies :
  • Research different policies from various insurance companies to compare coverage options and prices.
  • Look for policies that offer the coverage you need at a competitive price.
  1. Get quotes :
  • Contact Future Generali or an insurance broker to get quotes for commercial vehicle insurance.
  • Provide details about your business and the vehicles you need to insure in order to get an accurate quote.
  1. Review and understand the policy :
  • Carefully review the policy to understand the coverage it provides and any exclusions or limitations.
  • Make sure you understand the terms of the policy before making a purchase.
  1. Buy the policy :
  • Once you have found a policy that meets your needs and budget, purchase it.
  • Keep a copy of the policy in a safe place and make sure all drivers have access to it.
  1. Renew the policy :
  • Most commercial vehicle insurance policies have a specific term, after which they need to be renewed.
  • Keep track of when your policy is set to expire and begin the renewal process in advance to avoid any lapses in coverage.
  • Consider shopping around and comparing policies again when it’s time to renew to make sure you are getting the best coverage for your needs and budget.
  1. Keep your policy up to date :
  • Make sure to update your policy whenever you make changes to your business or fleet of vehicles.
  • This includes adding new vehicles, changing the nature of your business, or hiring new drivers.
  • Failing to keep your policy up to date can result in inadequate coverage and may result in denied claims.

Claiming Process

  • Determine if you are eligible for a claim under your Future Generali Commercial Vehicle Insurance policy. This may include having a valid policy in place, being involved in an accident that is covered under your policy, and having all necessary documentation and information on hand.
  • Contact the Future Generali customer care team as soon as possible after the incident occurs. You can do this by phone, email, or through the company’s online claims portal.
  • Provide all necessary information and documentation to the customer care team. This may include the police report, witness statements, and any damage estimates or repair bills.
  • Keep track of all communication with the company and make sure to follow up if you do not hear back within a reasonable timeframe. It’s important to stay on top of the claims process to ensure a smooth and efficient resolution.
  • Consider hiring a claims adjuster or lawyer to help you navigate the process and ensure that you receive the maximum amount of compensation possible.
  • Keep copies of all documents and communication related to your claim for your own records.

Documents Required

  1. Vehicle registration certificate : This document serves as proof of ownership of your commercial vehicle. It includes details such as the make and model of the vehicle, its registration number, and the name and address of the owner.
  2. Valid driving license : You will need to provide a copy of your valid driving license to demonstrate that you are legally allowed to operate your commercial vehicle.
  3. Vehicle insurance certificate : If you already have an insurance policy in place for your commercial vehicle, you will need to provide a copy of the certificate as proof of coverage.
  4. Vehicle fitness certificate : This document, issued by the local transport authority, verifies that your vehicle is in good working condition and meets the necessary safety standards.
  5. Vehicle inspection report : An inspection report, carried out by a qualified mechanic, can help to identify any potential issues with your vehicle that may affect its insurance coverage.
  6. Previous insurance policy details : If you have previously insured your commercial vehicle, you will need to provide details of your previous policy, including the policy number and the name of the insurance company.


Q1-What types of commercial vehicles are covered under Future Generali Commercial Vehicle Insurance?

A1-This insurance covers a range of commercial vehicles including trucks, buses, and vans.

Q2-Is there a minimum age requirement for the vehicle to be eligible for coverage?

A2-Yes, the vehicle must be at least 3 years old to be eligible for coverage.

Q3-Can I add additional coverage to my policy?

A3-Yes, you can add additional coverage such as liability insurance or roadside assistance to your policy.

Q4-Can I cancel my policy at any time?

A4-Yes, you can cancel your policy at any time by contacting the customer service team. However, you may be required to pay any outstanding premiums or fees.