IRDAI product register · general insurance

Generali Central Insurance Policy Wordings

IRDAI's non-life product register lists 55 Generali Central products and 127 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

Generali Central Insurance, formerly Future Generali India Insurance. The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Money, fidelity and crime · Cyber · Credit and political risk · Motor · Crop and rural · Personal accident · Health

Fire and property (24)

Product	UIN	Approved	Policy wording
FG Bharat Griha Raksha	IRDAN132RP0005V02202021	1 Apr 2022	Wording
FG Bharat Laghu Udyam Suraksha 1 add-on ACCIDENTAL DAMAGE IRDAN132RP0003V02202021/A0017V01202223 · 31 May 2022 Wording	IRDAN132RP0003V02202021	21 Apr 2022	Wording
FG Bharat Sookshma Udyam Suraksha 1 add-on ACCIDENTAL DAMAGE IRDAN132RP0004V02202021/A0016V01202223 · 31 May 2021 Wording	IRDAN132RP0004V02202021	21 Apr 2021	Wording
FG Business Suraksha-Sookshma 7 add-ons Additional Custom Duty IRDAN132RP0001V01202122/A0001V01202223 · 29 Apr 2022 Wording Claim Preparation Costs IRDAN132RP0001V01202122/A0002V01202223 · 29 Apr 2022 Wording Deterioration Of Stocks In Cold Storage Premises IRDAN132RP0001V01202122/A0005V01202223 · 29 Apr 2022 Wording Escalation IRDAN132RP0001V01202122/A0003V01202223 · 29 Apr 2022 Wording Insurance Of Additional Expenses Of Rent For An Alternative Accommodation IRDAN132RP0001V01202122/A0006V01202223 · 29 Apr 2022 Wording Involuntary Betterment IRDAN132RP0001V01202122/A0004V01202223 · 29 Apr 2022 Wording Loss Of Rent Clause IRDAN132RP0001V01202122/A0007V01202223 · 29 Apr 2022 Wording	IRDAN132RP0001V01202122	4 May 2021	Wording
Future Sampoorna Suraksha-Sookshma (Micro Insurance)	IRDAN132RP0016V01202122	18 Aug 2021	Wording
Standard Fire and Special Peril Policy-Accidental damage clause	IRDAN132A0001V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Accounts receivable	IRDAN132A0002V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Additional customs duty	IRDAN132A0003V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Automatic hold cover	IRDAN132A0004V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Boiler and Machinery Coverage Endorsement	IRDAN132A0005V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Capital addtions Clause	IRDAN132A0006V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Claim preparation costs	IRDAN132A0007V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Cost of rewriting records clause	IRDAN132A0008V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Deliberate Damage clause	IRDAN132A0009V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Electrical apparatus clause	IRDAN132A0010V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Employees personal property effects	IRDAN132A0011V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Errors and Omission	IRDAN132A0012V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-House Breaking	IRDAN132A0013V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Invlountary Betterment	IRDAN132A0014V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Keys and locks	IRDAN132A0015V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Merger and acquisition	IRDAN132A0016V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Minor works	IRDAN132A0017V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Obsolete Equipment	IRDAN132A0019V01201617	31 Mar 2017	Wording
Standard Fire and Special Peril Policy-Original Equipment Manufacture parts	IRDAN132A0018V01201617	31 Mar 2017	Wording

Shop, office, home and business packages (3)

Product	UIN	Approved	Policy wording
Future Sampoorna Suraksha	IRDAN132RP0001V02201112	30 Jul 2021	Wording
Home Secure Policy 8 add-ons Accidental Damage Clause IRDAN132RP0005V02200809/A0012V01202223 · 26 May 2022 Wording Claim Preparation Costs IRDAN132RP0005V02200809/A0009V01202223 · 26 May 2021 Wording Keys and Locks IRDAN132RP0005V02200809/A0010V01202223 · 26 May 2022 Wording Landscaping including lawns, plants, shrubs or Trees IRDAN132RP0005V02200809/A0013V01202223 · 26 May 2022 Wording Protection and Preservation of Property IRDAN132RP0005V02200809/A0014V01202223 · 26 May 2022 Wording Removal of Debris (in excess of 2% of the claim amount) IRDAN132RP0005V02200809/A0015V01202223 · 26 May 2022 Wording Tenant's legal liability IRDAN132RP0005V02200809/A0011V01202223 · 26 May 2022 Wording Third Party Liability IRDAN132RP0005V02200809/A0008V01202223 · 26 May 2022 Wording	IRDAN132RP0005V02200809	7 Apr 2021	Wording
Ports and Terminals Package Insurance Policy	IRDAN132CP0001V01201920	16 May 2019	Wording

Engineering (1)

Product	UIN	Approved	Policy wording
Infrastructure Project Long Term Professional Indemnity	IRDAN132CP0002V01201819	6 Sep 2018	Wording

Liability (7)

Product	UIN	Approved	Policy wording
Clinical Trial Insurance	IRDAN132P0001V01201819	30 May 2018	Wording
Insolvency Professionals	IRDAN132CP0003V01201819	6 Sep 2018	Wording
Insurance Brokers Professional Indemnity Insurance	IRDAN132P0003V01201617	10 Mar 2017	Wording
Products Liability Insurance	IRDAN132RP0019V01202223	13 Jun 2022	Wording
Public Liability Act Insurance	IRDAN132RP0020V01202223	13 Jun 2022	Wording
Public Liability Policy- Industrial Risks	IRDAN132RP0018V01202223	13 Jun 2022	Wording
Public offering of securities insurance	IRDAN132P0013V01201718	30 Jun 2017	Wording

Money, fidelity and crime (1)

Product	UIN	Approved	Policy wording
Commercial Crime Insurance	IRDAN132P0002V01201617	2 Nov 2016	Wording

Cyber (1)

Product	UIN	Approved	Policy wording
Cyber Risks Insurance	IRDAN132P0016V01201718	6 Sep 2017	Wording

Credit and political risk (2)

Product	UIN	Approved	Policy wording
Political violence insurance policy	IRDAN132P0001V01201617	12 Aug 2016	Wording
Trade Credit Insurance Policy	IRDAN132P0004V01201617	31 Mar 2017	Wording

Motor (11)

Product	UIN	Approved	Policy wording
Future Secure Private Car Package Policy	IRDAN132RP0001V05201213	6 Jul 2021	Wording
Future Secure Private Car Package Policy – 3 Years 13 add-ons Additional Towing Charges- 3 years IRDAN132RP0004V01201819/A0017V01201819 · 15 Oct 2018 Wording Basic Roadside Assitance- 3 years IRDAN132RP0004V01201819/A0012V01201819 · 15 Oct 2018 Wording Consumables- 3 years IRDAN132RP0004V01201819/A0008V01201819 · 15 Oct 2018 Wording Daily Cash Benefit- 3 years IRDAN132RP0004V01201819/A0020V01201819 · 15 Oct 2018 Wording Engine Protector-3 years IRDAN132RP0004V01201819/A0014V01201819 · 15 Oct 2018 Wording Hospital Cash Cover- 3 years IRDAN132RP0004V01201819/A0019V01201819 · 15 Oct 2018 Wording Increased Property Damage and Liability Benefit- 3 years IRDAN132RP0004V01201819/A0016V01201819 · 15 Oct 2018 Wording Loan Protection- 3 years IRDAN132RP0004V01201819/A0015V01201819 · 15 Oct 2018 Wording Loss of Driving License and Registration Certificate- 3 years IRDAN132RP0004V01201819/A0018V01201819 · 15 Oct 2018 Wording Personal Accident Plan for i)Death Only ii)PTD iii)TTD- 3 years IRDAN132RP0004V01201819/A0013V01201819 · 15 Oct 2018 Wording Protection of NCB- 3 years IRDAN132RP0004V01201819/A0010V01201819 · 15 Oct 2018 Wording Return to Invoice - 3 years IRDAN132RP0004V01201819/A0009V01201819 · 15 Oct 2018 Wording Tyre Damage- 3 years IRDAN132RP0004V01201819/A0011V01201819 · 15 Oct 2018 Wording	IRDAN132RP0004V01201819	30 Aug 2018	Wording
Future Secure Private Car Policy – Bundled 13 add-ons Additional Towing Charges- Bundled IRDAN132RP0006V01201819/A0043V01201819 · 15 Oct 2018 Wording Basic Roadside Assitance- Bundled IRDAN132RP0006V01201819/A0038V01201819 · 15 Oct 2018 Wording Consumable- Bundled IRDAN132RP0006V01201819/A0034V01201819 · 15 Oct 2018 Wording Daily Cash Benefit- Bundled IRDAN132RP0006V01201819/A0046V01201819 · 15 Oct 2018 Wording Engine Protector-Bundled IRDAN132RP0006V01201819/A0040V01201819 · 15 Oct 2018 Wording Hospital Cash Cover- Bundled IRDAN132RP0006V01201819/A0045V01201819 · 15 Oct 2018 Wording Increased Property Damage and Liability Benefit- Bundled IRDAN132RP0006V01201819/A0042V01201819 · 15 Oct 2018 Wording Loan Protection- Bundled IRDAN132RP0006V01201819/A0041V01201819 · 15 Oct 2018 Wording Loss of Driving License and Registration Certificate- Bundled IRDAN132RP0006V01201819/A0044V01201819 · 15 Oct 2018 Wording Personal Accident Plan for i)Death Only ii)PTD iii)TTD- Bundled IRDAN132RP0006V01201819/A0039V01201819 · 15 Oct 2018 Wording Protection of NCB- Bundled IRDAN132RP0006V01201819/A0036V01201819 · 15 Oct 2018 Wording Return to Invoice - Bundled IRDAN132RP0006V01201819/A0035V01201819 · 15 Oct 2018 Wording Tyre Damage- Bundled IRDAN132RP0006V01201819/A0037V01201819 · 15 Oct 2018 Wording	IRDAN132RP0006V01201819	30 Aug 2018	Wording
Future Secure Two Wheeler Package Policy	IRDAN132RP0016V02200708	24 May 2022	Wording
Future Secure Two Wheeler Package Policy – 5 Years 13 add-ons Additional Towing Charges- 5 years IRDAN132RP0005V01201819/A0029V01201819 · 15 Oct 2018 Wording Basic Roadside Assitance- 5 years IRDAN132RP0005V01201819/A0025V01201819 · 15 Oct 2018 Wording Consumable- 5 years IRDAN132RP0005V01201819/A0022V01201819 · 15 Oct 2018 Wording Daily Cash Benefit-5 years IRDAN132RP0005V01201819/A0032V01201819 · 15 Oct 2018 Wording Hospital Cash Cover- 5 years IRDAN132RP0005V01201819/A0031V01201819 · 15 Oct 2018 Wording Increased Property Damage and Liability Benefit- 5 years IRDAN132RP0005V01201819/A0028V01201819 · 15 Oct 2018 Wording Loan Protection- 5 years IRDAN132RP0005V01201819/A0027V01201819 · 15 Oct 2018 Wording Loss of Driving License and Registration Certificate- 5 years IRDAN132RP0005V01201819/A0030V01201819 · 15 Oct 2018 Wording Loss of Personal Effects and Belongings- 5 years IRDAN132RP0005V01201819/A0033V01201819 · 15 Oct 2018 Wording Personal Accident Cover-5 years IRDAN132RP0005V01201819/A0026V01201819 · 15 Oct 2018 Wording Protection of NCB- 5 years IRDAN132RP0005V01201819/A0024V01201819 · 15 Oct 2018 Wording Return to Invoice - 5 years IRDAN132RP0005V01201819/A0023V01201819 · 15 Oct 2018 Wording Zero Depreciation- 5 years IRDAN132RP0005V01201819/A0021V01201819 · 15 Oct 2018 Wording	IRDAN132RP0005V01201819	30 Aug 2018	Wording
Future Secure Two Wheeler Policy – Bundled 13 add-ons Additional Towing Charges- Bundled IRDAN132RP0007V01201819/A0055V01201819 · 15 Oct 2018 Wording Basic Roadside Assitance- Bundled IRDAN132RP0007V01201819/A0051V01201819 · 15 Oct 2018 Wording Consumable- Bundled IRDAN132RP0007V01201819/A0048V01201819 · 15 Oct 2018 Wording Daily Cash Benefit-Bundled IRDAN132RP0007V01201819/A0058V01201819 · 15 Oct 2018 Wording Hospital Cash Cover- Bundled IRDAN132RP0007V01201819/A0057V01201819 · 15 Oct 2018 Wording Increased Property Damage and Liability Benefit- Bundled IRDAN132RP0007V01201819/A0054V01201819 · 15 Oct 2018 Wording Loan Protection- Bundled IRDAN132RP0007V01201819/A0053V01201819 · 15 Oct 2018 Wording Loss of Driving License and Registration Certificate- Bundled IRDAN132RP0007V01201819/A0056V01201819 · 15 Oct 2018 Wording Loss of Personal Effects and Belongings- Bundled IRDAN132RP0007V01201819/A0059V01201819 · 15 Oct 2018 Wording Personal Accident Cover-Bundled IRDAN132RP0007V01201819/A0052V01201819 · 15 Oct 2018 Wording Protection of NCB- Bundled IRDAN132RP0007V01201819/A0050V01201819 · 15 Oct 2018 Wording Return to Invoice - Bundled IRDAN132RP0007V01201819/A0049V01201819 · 15 Oct 2018 Wording Zero Depreciation- Bundled IRDAN132RP0007V01201819/A0047V01201819 · 15 Oct 2018 Wording	IRDAN132RP0007V01201819	30 Aug 2018	Wording
Long Term Two Wheeler Insurance Package Policy	IRDAN132P0002V01201718	31 May 2017	Wording
Standalone Motor OD Future Secure Private Car Policy 16 add-ons Additional Road Side Assistance-Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0013V01201920 · 26 Jul 2019 Wording Additional Towing Charges -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0003V01201920 · 26 Jul 2019 Wording Basic Road Side Assistance-Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0012V01201920 · 26 Jul 2019 Wording Consumables -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0004V01201920 · 26 Jul 2019 Wording Daily Cash benefit -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0014V01201920 · 26 Jul 2019 Wording Engine Protector -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0018V01201920 · 26 Jul 2019 Wording Hospital cash cover -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0008V01201920 · 26 Jul 2019 Wording Increased property damage liability benefit -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0005V01201920 · 26 Jul 2019 Wording Loan protection cover -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0007V01201920 · 26 Jul 2019 Wording Loss of Driving licence / Registration certificate-Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0006V01201920 · 26 Jul 2019 Wording Personal Accident Plan -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0017V01201920 · 26 Jul 2019 Wording Plan for Covering Laptop or mobile- Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0015V01201920 · 26 Jul 2019 Wording Protection of NCB -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0010V01201920 · 26 Jul 2019 Wording Return to Invoice -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0009V01201920 · 26 Jul 2019 Wording Tyre Damage- Add On Cover For Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0011V01201920 · 26 Jul 2019 Wording Vehicle Protection Riders -Add On Cover for Standalone Motor OD Future Secure Private Car Policy IRDAN132RP0001V01201920/A0016V01201920 · 26 Jul 2019 Wording	IRDAN132RP0001V01201920	26 Jul 2019	Wording
Standalone Motor OD Future Secure Two Wheeler Policy 13 add-ons Additional Towing charges -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0019V01201920 · 26 Jul 2019 Wording Basic Road side assistance -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0020V01201920 · 26 Jul 2019 Wording Consumables -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0029V01201920 · 26 Jul 2019 Wording Daily cash benefit -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0021V01201920 · 26 Jul 2019 Wording Hospital cash cover -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0022V01201920 · 26 Jul 2019 Wording Increased property damage liability benefit -Add On Cover for Standalone Motor OD Future Secure Two IRDAN132RP0002V01201920/A0023V01201920 · 26 Jul 2019 Wording Loan protection cover -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0024V01201920 · 26 Jul 2019 Wording Loss of driving licence / registration certificate -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0025V01201920 · 26 Jul 2019 Wording Loss of personal effects and belongings -Add On Cover for Standalone Motor OD Future Secure Two Whee IRDAN132RP0002V01201920/A0026V01201920 · 26 Jul 2019 Wording Personal accident cover -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0027V01201920 · 26 Jul 2019 Wording Protection of NCB -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0031V01201920 · 26 Jul 2019 Wording Return to Invoice-Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0030V01201920 · 26 Jul 2019 Wording Zero Depreciation -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy IRDAN132RP0002V01201920/A0028V01201920 · 26 Jul 2019 Wording	IRDAN132RP0002V01201920	26 Jul 2019	Wording
Third-Party Long-Term Private Car Insurance Policy – 3 years	IRDAN132RP0003V01201819	30 Aug 2018	Wording
Third-Party Long-Term Two-Wheeler Insurance Policy – 5 years	IRDAN132RP0002V01201819	30 Aug 2018	Wording

Crop and rural (2)

Product	UIN	Approved	Policy wording
Pradhan Mantri Fasal Bima Yojana	IRDAN132P0015V01201718	4 Jul 2017	Wording
Restructured Weather Based Crop Insurance Scheme	IRDAN132RP0061V01201819	23 Feb 2019	Wording

Personal accident (2)

Product	UIN	Approved	Policy wording
Stand-alone Compulsory Personal Accident Cover for Owner-Driver.	IRDAN132RP0060V02201819	16 Feb 2020	Wording
Stand-alone Compulsory Personal Accident Cover for Owner-Driver.	IRDAN132RP0060V01201819	12 Dec 2018	Wording

Health (1)

Product	UIN	Approved	Policy wording
FG Dog Health Cover	IRDAN132RP0002V01202122	6 May 2021	Wording

Add-ons filed on their own (29)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Accidental damage clause Add-on covers for Industrial All Risk Policy	IRDAN132A0003V01201718	8 Jun 2017	Wording
Additional Custom Duty	IRDAN132RP0004V01202021/A0011V01202122	6 Jul 2021	Wording
Additional custom duty-FG Bharat Laghu Udyam Suraksha	IRDAN132RP0003V01202021/A0007V01202122	23 Jun 2021	Wording
Additional customs duty Add-on covers for Industrial All Risk Policy	IRDAN132A0004V01201718	8 Jun 2017	Wording
Boiler and Machinery Coverage Endorsement Add-on covers for Industrial All Risk Policy	IRDAN132A0005V01201718	8 Jun 2017	Wording
Brands and Label-FG Bharat Laghu Udyam Suraksha	IRDAN132RP0003V01202021/A0006V01202122	23 Jun 2021	Wording
Claim Preparartion Costs	IRDAN132RP0004V01202021/A0010V01202122	6 Jul 2021	Wording
Claim Preparation Costs	IRDAN132RP0005V01202021/A0014V01202122	6 Jul 2021	Wording
Cost of rewriting records clause Add-on covers for Industrial All Risk Policy	IRDAN132A0006V01201718	8 Jun 2017	Wording
Cosumables --Add on cover for two wheeler insurance -package	IRDAN132A0018V01201718	19 Apr 2017	Wording
Electrical apparatus clause Add-on covers for Industrial All Risk Policy	IRDAN132A0007V01201718	8 Jun 2017	Wording
Escalation-FG Bharat Laghu Udyam Suraksha	IRDAN132RP0003V01202021/A0005V01202122	23 Jun 2021	Wording
Hospital cash cover Add on cover for two wheeler insurance policy-package	IRDAN132A0027V01201718	19 Apr 2017	Wording
House Breaking Add-on covers for Industrial All Risk Policy	IRDAN132A0008V01201718	8 Jun 2017	Wording
Immediate repair clause-FG Bharat Laghu Udyam Suraksha	IRDAN132RP0003V01202021/A0004V01202122	23 Jun 2021	Wording
Incrased property damage liability benefit --Add on cover for two wheeler insurance -package	IRDAN132A0022V01201718	19 Apr 2017	Wording
Invlountary Betterment Add-on covers for Industrial All Risk Policy	IRDAN132A0009V01201718	8 Jun 2017	Wording
Involuntary Betterment	IRDAN132RP0004V01202021/A0008V01202122	6 Jul 2021	Wording
Involuntary Betterment-FG Bharat Laghu Udyam Suraksha	IRDAN132RP0003V01202021/A0003V01202122	23 Jun 2021	Wording
Keys and Locks	IRDAN132RP0005V01202021/A0015V01202122	6 Jul 2021	Wording
Keys and locks Add-on covers for Industrial All Risk Policy	IRDAN132A0010V01201718	8 Jun 2017	Wording
Limited Escalation	IRDAN132RP0004V01202021/A0009V01202122	6 Jul 2021	Wording
Non Premium clauses 19 under Industrial All Risk Insurance Policy	IRDAN132A0012V01201718	8 Jun 2017	Wording
Non Premium clauses under Standard Fire and Special Peril Policy	IRDAN132A0001V01201718	19 Apr 2017	Wording
Obsolete Equipment Add-on covers for Industrial All Risk Policy	IRDAN132A0011V01201718	8 Jun 2017	Wording
Personal accident cover--Add on cover for two wheeler insurance -package	IRDAN132A0021V01201718	19 Apr 2017	Wording
Tenant's Legal Liability	IRDAN132RP0005V01202021/A0013V01202122	6 Jul 2021	Wording
Third Party Liability	IRDAN132RP0005V01202021/A0012V01202122	6 Jul 2021	Wording
Zero Depreciation--Add on cover for two wheeler insurance -package	IRDAN132A0017V01201718	19 Apr 2017	Wording

Names in the register

IRDAI registration number 132. Filed as: Future Generali India Insurance Company Limited; Future Generali India Insurance Co. Ltd; Future Generali India Insurance CompanyLimited; Future Generali India Insurance Co. Ltd Zero Depreciation -Add On Cover for Standalone Motor OD Future Secure Two Wheeler Policy. Its claim settlement, solvency and market share figures: Generali Central profile.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Generali Central policy wordings?

Above: every Generali Central product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Generali Central general insurance products are in IRDAI's register?

55 products and 127 add-ons, approved 2016 to 2022.

Which lines of cover does Generali Central file most?

By number of products in the register: fire and property 24, motor 11, liability 7, shop, office, home and business packages 3.

Why are Generali Central products filed under another name?

The register keeps each product under the name the insurer used when it filed. Generali Central Insurance: formerly Future Generali India Insurance.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.