Cholamandalam Commercial Vehicle Insurance

About Zuno General Insurance Limited

Zuno General Insurance Limited was formerly known as Edelweiss General Insurance Company Limited. The company was formed in 2016 and aims to make the insurance process easy, transparent, and user-friendly.

With a strong digital infrastructure, Zuno provides quick policy issuance, transparent claims, and customer-first servicing. The company offers a wide range of insurance products, including motor, health, and travel insurance, with a special focus on simplified and paperless processes.

Key Features of Zuno Commercial Vehicle Insurance

Benefits of Zuno Commercial Vehicle Insurance

Here are the major benefits of choosing commercial vehicle insurance from Zuno General Insurance Limited:

• 3600+ network garages across 50 cities and 29 states
• Super-fast claims that get started with one call.
• Vouchers and rewards for a good driving record
• Streamlined and easy paperwork
• 24x7 customer support

Types of Zuno Commercial Vehicle Insurance

Zuno General Insurance Limited offers the following two types of commercial vehicle insurance policies:

• Third-Party Commercial Vehicle Insurance: This is a mandatory insurance policy as per the Indian Motor Laws. A third-party commercial vehicle insurance only offers coverage for damages caused to anyone else because of the insured vehicle. It only covers third-party, person, or property damage and is also known as a liability-only policy.
• Comprehensive Commercial Vehicle Insurance: This type of insurance is also known as a package policy and provides an extended coverage to vehicle owners. A comprehensive commercial vehicle insurance protects the insured vehicle against damages and also covers all third-party liabilities. Policyholders can also include add-ons to extend the protection further.

Zuno Commercial Vehicle Insurance Add-Ons

Policyholders can opt for the following add-ons with commercial vehicle insurance from Zuno General Insurance Limited:

• Zero Depreciation Cover: This add-on ensures the payout of the full cost of replaced or repaired parts during an accidental claim without deducting any depreciation costs. It is ideal for new or frequently used vehicles, helping reduce out-of-pocket expenses after accidents or part replacements.
• IMT 23 Cover: This add-on extends the coverage to parts that are generally excluded from a standard comprehensive policy, such as tyres, tubes, bumpers, mudguards, and paintwork. It compensates for damages to these components after deducting the applicable depreciation, offering wider protection for heavily used commercial vehicles.
• Accessories Cover (Electrical & Non-Electrical): This add-on covers damages caused to additionally-fitted accessories. It covers electrical accessories like fog lamps, AC units, etc., as well as non-electrical parts such as seat covers, carriers, etc. It ensures full protection for customised commercial vehicles.
• Personal Accident (PA) Cover: This add-on cover offers financial compensation in case of accidental death or permanent disability of the owner-driver or paid driver. It is mandatory for individual owners to have a personal accident cover of up to ₹15 lakhs as per the IRDAI.

How To Buy Zuno Commercial Vehicle Insurance?

Here are the steps to buy or renew Zuno commercial vehicle insurance online:

• Step 1: Visit the homepage of Policybazaar Insurance Brokers Private Limited
• Step 2: Click on "Commercial Vehicle Insurance"
• Step 3: Enter the vehicle details such as registration number, make, model, etc.
• Step 4: Choose the IDV, coverage type (TP or comprehensive), and required add-ons
• Step 5: Review the premium quote and make payment via UPI, net banking, or cards
• Step 6: The policy will be instantly available for download.

How To File a Zuno Commercial Vehicle Insurance Claim?

Policyholders can easily file a claim against their Zuno Commercial Vehicle Insurance Claim using the steps mentioned below: 

Documents Required to File a Zuno Commercial Vehicle Insurance Claim

The following documents are required to file a claim against a Zuno commercial vehicle insurance:

• Copy of insurance policy
• Registration Certificate (RC) of the vehicle
• Valid Driving License
• PAN and Aadhar of the insured
• Fitness Certificate
• Permit (if applicable)
• Invoice or proof of goods (in case of goods vehicle)
• FIR copy (in case of theft, bodily injury, or third-party loss)
• Duly filled claim form
• Final repair invoice and payment receipts (for reimbursement claims)

FAQs