Generali Central Car Insurance is a motor insurance product offered by Generali Central Insurance Company Limited. The company was previously known as Future Generali India Insurance Company Limited and was rebranded to Generali Central in 2025 following a new joint venture identity with Central Bank of India, offering convenient online car insurance options.
Generali Central Insurance Company Limited is a general insurance provider established in 2006 and registered with the Insurance Regulatory and Development Authority of India (IRDAI) under registration number 132. It operates as a joint venture combining the global expertise of the Generali Group with strong Indian institutional backing, expanding its reach across multiple insurance segments.
The company has achieved notable milestones, such as ISO certifications and has built partnerships with banks to enhance distribution and accessibility. Headquartered in Mumbai, it continues to offer a wide range of products, including motor, health, and property insurance solutions.
Here are the key features of Generali Central Car Insurance, including coverage options, claim benefits, and add-ons for complete protection.
| Feature | Details |
|---|---|
| Cashless Garage Network | 6,500+ cashless garages across India for hassle-free repairs |
| Policy Tenure | Minimum 1 year to maximum 3 years policy options available |
| Claims | Unlimited claims allowed during the policy period |
| Zero Depreciation Cover | Zero dep claims available with an add-on for the full claim value without depreciation deduction |
| Roadside Assistance (RSA) | Comprehensive RSA support, including towing, battery jumpstart, flat tyre assistance, fuel delivery, and more |
| Add-ons Available | Wide range including Zero Depreciation, Engine Protect, Consumables Cover, Key Replacement, Return to Invoice, and more |
| Claim Process | GCI Express and Express+ |
| Customisation | Flexible plans with multiple add-ons to suit different driving needs |
Generali Central offers multiple car insurance policies designed to provide essential legal protection as well as comprehensive coverage for your vehicle against various risks.
This policy covers legal liabilities arising from injury, death, or property damage caused to a third party due to your car. It is mandatory under Indian law and ensures financial protection against third-party claims.
This policy covers damage or loss to your own vehicle due to events like accidents, fire, theft, natural disasters (flood, cyclone, earthquake), and man-made incidents such as riots or malicious acts.
A comprehensive policy combines both third-party liability and own damage cover, offering all-round protection. It includes coverage for accidents, theft, natural calamities, and transit-related damages, making it the most complete option.
Generali Central Car Insurance offers wide-ranging coverage to protect your vehicle against damages, losses, and third-party liabilities under various unforeseen events.
Damage or loss due to fire, explosion, self-ignition, or lightning
Loss of vehicle due to burglary, housebreaking, or theft
Damages caused by riots and strikes
Damage arising from earthquakes, including fire and shock impact
Losses due to natural calamities like floods, storms, cyclones, and hailstorms
Accidental damage caused by external means
Damages resulting from malicious acts
Losses caused by terrorist activities
Damages incurred while the vehicle is in transit via road, rail, water, or air
Damage due to landslides or rockslides
Third-party liabilities, including injury, death, or property damage
Personal accident cover for owner-driver, including death or disability compensation
Generali Central Car Insurance excludes certain situations and conditions where claims are not covered, helping policyholders understand the limitations of their coverage.
Consequential loss, normal wear and tear, depreciation, and mechanical or electrical breakdown
Damage to tyres and tubes unless the vehicle is damaged at the same time
Loss or damage when the driver is under the influence of intoxicating liquor or drugs
Any loss or damage occurring outside the specified geographical area
Claims arising from contractual liabilities
Damage when the vehicle is used outside the permitted usage conditions
Driving by a person without a valid driving licence
Any indirect or consequential loss or expenses
Loss or damage due to nuclear risks or radioactive contamination
Loss or damage caused by war, invasion, civil war, rebellion, or similar events
Generali Central Car Insurance offers a range of benefits that ensure complete protection, easy claims, and a hassle-free experience.
Hassle-free and quick claim settlement process through GCI Express and Express+.
Access to 6,500+ partner garages for easy cashless repairs
Roadside assistance support for emergencies like breakdowns and towing
Option to enhance coverage with add-ons like zero depreciation and more
Financial protection against accidents, theft, and unforeseen damages
Legal liability coverage for third-party injury, death, or property damage
Flexible policy options to suit different coverage needs
Easy policy management and claim tracking through digital platforms
Generali Central Car Insurance offers an extensive cashless garage network, ensuring convenient and seamless repair services across India.
Access to 6,500+ cashless garages across India for convenient and hassle-free repairs
A wide network ensures easy availability of authorised workshops in multiple cities
Quick and seamless cashless claim settlement at network garages
Option to locate the nearest garage easily using the official locator tool
You can find nearby garages here: Garage Locator
WhatsApp Support: Send a ‘Hi’ to +91 7678006000
Toll-Free Numbers: 1800 220233, 1860 500 3333
Landline Support: 022 6783 7800
Roadside Assistance (RSA): 1800 210 1212
Email Support: GCIcare@generalicentral.com
Head Office Address:
Generali Central Insurance Company Limited (formerly known as Future Generali India Insurance Company Limited)
Unit 801 & 802, 8th Floor, Tower C, Embassy 247 Park,
L.B.S. Marg, Vikhroli (West), Mumbai – 400083
Generali Central Car Insurance is a motor insurance product offered by Generali Central Insurance Company that provides financial protection against accidents, theft, natural disasters, and third-party liabilities.
It offers Third-Party Liability Insurance, Standalone Own Damage Cover, and Comprehensive Car Insurance policies.
Yes, at least third-party car insurance is mandatory in India under the Motor Vehicles Act.
It covers own vehicle damage, theft, fire, natural and man-made calamities, third-party liabilities, and personal accident cover for the owner-driver.
Premium depends on factors like vehicle age, make and model, location, IDV (Insured Declared Value), add-ons selected, and driving history.
You can buy it online through the official website, insurance aggregators, or offline through authorised agents and branches.
Add-ons include Zero Depreciation Cover, Engine Protection, Roadside Assistance, Consumables Cover, Key Replacement, and Return to Invoice.
You can renew your policy online via the insurer’s website, through agents, or by visiting a branch before the expiry date.
Yes, it offers cashless repairs through a network of 6,500+ garages across India.
Typically required documents include the policy document, RC copy, driving licence, claim form, FIR (if applicable), and repair bills/estimates.
You can check the status online via the insurer’s website, mobile app, or by contacting customer support.
Claims are usually settled within 30 days after submission of all required documents.
You can download your policy document from the official website or request it via customer support or email.
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