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Generali Central Standalone Own-Damage Car Insurance Policy

Standalone own-damage insurance offers protection against own-damage costs in case of an unfortunate incident. This is one of the three types of car insurance covers that Generali Central offers its customers and is an advisable purchase along with compulsory third party insurance. The insurance provides a layer of protection for the insurance holder by providing compensation in a time of crisis and thus giving them financial stability.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Generali Central

Third Party Insurance

Generali Central Standalone Own-Damage

Generali Central Comprehensive Insurance

Coverage

Generali Central’s third party insurance provides coverage for third party liabilities in case of a mishap comprising bodily injuries, death and property damage.

Generali Central’s standalone own-damage insurance provides coverage for own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Additionally, insurance providers give NCB for claim-free years.

Generali Central’s comprehensive insurance plan offers coverage for both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered.

Add-ons

Generali Central’s third party insurance does not offer add-on covers.

Generali Central’s standalone own-damage insurance offers a number of add-on covers are available with this type of cover.

Generali Central’s comprehensive insurance plan offers several add-on covers along with comprehensive plans.

Cost

Generali Central’s third party insurance cheapest policy and provides basic coverage.

Generali Central’s standalone own-damage insurance is more expensive than third party insurance but offers better coverage.

Generali Central’s comprehensive insurance plan is the most expensive of the three but this is because it offers holistic coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under Generali Central Standalone Own-Damage Policy?

The following are the aspects that are covered under Generali Central’s standalone own-damage cover:

  • Road accidents that cause the car.
  • A fire or explosion that causes damage to the car.
  • Cases of total damage or theft of the car.
  • Damage that occurs due to a natural disaster or man-made calamity such as floods.

What is Not Covered Under Generali Central Standalone Own-Damage Policy?

The following are the aspects that are not covered under Generali Central’s standalone own-damage cover:

  • Breakdowns that occur due to a mechanical or an electrical failure.
  • Mishaps that occur due to some form of illegal driving.
  • You can also purchase add-on covers to further strengthen the standalone own-damage insurance.

Benefits of Generali Central Standalone Own-Damage Policy

These are some of the benefits of purchasing a standalone own-damage policy from Generali Central:

  • It offers insurance holder security in times of crisis by providing compensation for own-damage costs.
  • Add-on covers that offer enhanced protection to the policyholder.
  • Own-damage covers also offer NCB for the claim-free years.

How To Purchase Generali Central Standalone Own-Damage Policy?

Below-mentioned is the steps to purchase a Generali Central standalone own-damage policy:

Step 1: Visit our website InsuranceDekho and select the car insurance tab. From the drop-down menu select ‘Standalone Own Damage’ from the options available.

Step 2: You need to enter your car’s registration number. If you do not have this information you can alternatively enter its make, model and year of registration.

Step 3: Provide your personal details such as your name and phone number. Once all the required information is entered select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage policies will be visible on your screen. Next, you can select the offer by Generali Central standalone own-damage insurance and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected Generali Central standalone own-damage policy and the policy document will be sent to your registered email ID.

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Generali Central Car Insurance User Reviews

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408 User reviews
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  • User Friendly Services

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    By VALLABHANENI MAHEEDHAR
    On: March 20, 2023
  • Smooth process

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    Maruti Wagon R New Delhi
    By SUMITA TANEJA
    On: March 19, 2023
  • Swift renewal process

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    On: March 10, 2023
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    While I was looking for car insurance for my Renault car, I came across the Generali Central car insurance plan on the InsuranceDekho website. All the plans had detailed information which made it easier for me to choose the plan best suited for me.

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    On: March 3, 2023
  • Detailed information

    The InsuranceDekho website provides detailed information about each plan they offer, this helped me choose an appropriate plan. I picked the Generali Central car insurance plan for my Nissan Magnite. The plan has all the required features and benefits. Happy with the purchase.

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    By Nihit Saxena
    On: February 21, 2023
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    On: February 10, 2023
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    very informative and satisfying team had clarity and patience to discuss details at length very neutral approach and efforts clearly indicated that subject is the matter beyond sales.

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    By SONPAL SINGH
    On: February 10, 2023
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    On: February 1, 2023
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    By Dev Chauhan
    On: January 19, 2023
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    By Pradeep Singh
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    On: January 2, 2023
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    On: June 6, 2022
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    On: May 6, 2022
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    By Shivam sharma
    On: March 4, 2022
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    On: February 7, 2022
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Generali Central Reviews

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Generali Central Standalone Own-Damage FAQs

  • How does premium calculation take place for Generali Central Own damage car insurance plan?

    The premium for Generali Central Own damage car insurance plan is calculated by taking several aspects into consideration such as age of the car, make of the car, engine cc, vehicle type, geographical zone, etc.

  • What are the different types of motor insurance policies available in the insurance market?

    Being a policy proposer, you are given the option to choose amongst three different types of motor insurance plans available in the market i.e. comprehensive insurance policy, third party liability policy and own damage insurance policy.

  • What do you mean by Generali Central Own damage insurance?

    By purchasing Generali Central Own damage insurance policy, you can stay protected against any kind of losses or damages sustained by your own vehicle due to any accident, mishap or theft.

  • What documents do you require to make the own damage insurance claim?

    The following set of documents are needed in order to make claim:

    • Copy of car insurance policy
    • FIR Report Copy
    • Repair estimate
    • Car RC
    • Driving license
    • No Claim certificate
    • Photos and other proofs of the accident
    • Other documents (as asked by the insurer)

  • Is it necessary to buy an own damage insurance policy for my vehicle?

    No, as per law it is not mandatory to buy an own damage insurance plan for your vehicle. However, according to Indian Motor Tariff Act, it is necessary to purchase at least a third party liability insurance plan for your vehicle.

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