ZUNO Car Insurance
Zuno car insurance is designed to protect a car and its owner from any financial setbacks arising due to unanticipated events like road accidents, theft, fire, etc.
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About Zuno Car Insurance Company
Zuno General Insurance Company (Formerly known as Edelweiss General Insurance Company Limited) is an investment and financial services company based in Mumbai. The company deals in various insurance-related services, including car insurance, among others.
The Zuno General Insurance Company aims to offer insurance services in a simple and hassle-free manner. With its end-to-end customer services, the company also offers fast claim assistance to its policyholders.
Benefits of Zuno Car Insurance
By purchasing car insurance from Zuno General Insurance Company Ltd. (Formerly known as Edelweiss General Insurance Company Limited), you can avail the following benefits:
- The insurance company provides car repair services at more than 1,500 network garages.
- Faster claim settlement with a customer-centric approach
- Zuno car insurance also offers discounts to members of the Automobile Association of India.
- Discounts on the installation of anti-theft devices are also offered.
- Zuno car insurance claim settlement ratio is 98%.
- The company also offers Personal Accident Cover to its policyholders.
Types of Zuno Car Insurance Policy
Zuno car insurance offers three types of motor insurance policies. Let’s have a look at these:
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Zuno Private Car Liability Only Insurance
The Private car liability only policy offers compensation to a third party on behalf of the policyholder for bodily injuries, death or damage caused to a third party’s property in the event of an accident involving the insured car. Under this plan, the coverage offered for third-party injury or death is unlimited, while for third-party property damage, it's limited to up to Rs. 7.5 lakh.
However, the Zuno liability-only policy does not cover any damages caused to the insured car.
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Zuno Private Car Package Insurance
The Private car package policy is a comprehensive car insurance plan by Zuno General Insurance Company that ensures the financial safety of the insured car during unanticipated events like road accidents, theft, fire, natural disasters, etc. In addition, this policy also covers the policyholder against any third-party liability arising due to a road accident by the insured car.
The Private car package insurance can also be enhanced by purchasing add-on covers at the payment of some extra premium amount.
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Zuno Stand-Alone Own Damage Insurance Policy
The Zuno Stand-Alone own damage policy covers a policyholder against damages to the insured vehicle in events like fire, theft, earthquake, riot, etc. This policy can be purchased in addition to a third-party liability-only policy to obtain enhanced coverage. Just like the package policy, this plan also allows the car owner to buy add-on covers on payment of an additional premium.
Zuno Car Insurance Premium Calculator
By using a Zuno car insurance premium calculator, a policyholder can calculate the estimated car insurance premium before purchasing a policy. This online tool helps in checking whether a policy fits your needs or not.
ZUNO Car Insurance: Add-Ons
Depreciation Protect
The Depreciation Protect cover by ZUNO car insurance compensates a policyholder with the amount of depreciation incurred by the insured car.
The zero dep add-on is applicable to cars that are less than 7 years old. A policyholder can utilise this cover only for the first 2 claims during the policy tenure.
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NCB Protect
The NCB Protect add-on cover allows a policyholder to protect his/her existing No Claim Bonus even after raising a claim during a policy tenure.
In case you raise a claim during a policy year, your NCB won’t become zero if you already have this add-on.
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Pay As You Drive Cover
This add-on combines pay as you drive and pay how you drive benefits. It allows customers to receive discounts on their annual OD (own damage) premium depending on the distance covered.
The Pay as You Drive cover gives policyholders three slab options of Own Damage cover - up to 5000 km, 5000 to 7500 km and 7500 to 10,000 km annually. A policyholder would receive a discount on the premium if the car were driven under the chosen slab in a policy year. Moreover, this add-on incentivises good driving behaviour. The better the driving score, the lesser the premium and vice versa.
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Key and Lock Protect
Under this add-on cover, the insurance company will compensate for the cost of repair/procurement of a new key and lock if the existing key/lock is damaged or lost.
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Roadside Assistance
The Road Side assistance cover provides roadside assistance to the policyholder if the insured car suffers a mechanical or electrical breakdown on the road.
A claim raised under this add-on will not be counted as a claim, thus not impacting your NCB reward as well.
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Engine Protect
Any damage to the engine of a car, unless accidental, is not covered under a standard Zuno car insurance policy.
The engine protect add-on compensates policyholders against the damages sustained by the insured car's engine and gearbox due to water ingression or oil leakage.
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Invoice Value Protect
In case of total loss and theft of the vehicle, the insurance company will pay the latest available sales price of the vehicle to the policyholder under return to invoice add-on cover.
Under this add-on, the insurer will also compensate for road tax and registration charges.
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Consumable Expenses Protect
Under the consumable add-on cover, the insurance company covers the cost of consumables that are replaced/replenished during the repair of the insured car.
Consumables include engine oil, AC gas oil, brake oil, etc.
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Personal Belongings Protect
The insurance company will pay for the loss or damage of personal belongings of the policyholder, such as clothes, laptops, etc., during an unanticipated incident such as a road accident of the insured car.
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Mandatory Deduction Protect
Under a Mandatory Deduction Protect add-on cover, the insurance company will waive the mandatory deductible at the time of claim settlement, as mentioned in the policy.
This add-on cover can be purchased for cars less than 5 years old.
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View more Add-ons
How to Renew Zuno Car Insurance?
To avail the continuous benefits of the Zuno car insurance policy, it is important to renew your car policy before the expiry date. Follow the below-mentioned steps to renew your four-wheeler insurance from Policybazaar.com:
Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited and go to the “Car Insurance” section from the homepage.
Step 2: On the given renewal form, enter your car number and select ‘View Prices’.
Step 3. Enter the expiry date of your policy and details of the previous claim
Step 4: Find the required Zuno motor insurance plan from the list of motor insurance plans. To view policy details, select the “Policy details” option
Step 5: Select the add-on covers you wish to add at an extra premium and proceed
Step 6: Enter the No Claim Bonus of your existing policy and proceed forward
Step 7: You have to fill out the proposal form and proceed with “Summary and Payment"
Step 8: Once the premium has been verified, you can pay the amount using your preferred payment method.
Step 9: Once paid, your Zuno car insurance renewal will be complete.
The Zuno motor insurance renewal documents will be sent to you on your registered email id.
How to File a Claim Under ZUNO Car Insurance?
In case your car meets with an accident or any other mishap, you can call ZUNO Car Insurance to raise a claim. Let’s see how it should be done:
1
Contact the Insurer:
Contact ZUNO car insurance provider soon after the incident to register your claim
2
Keep Relevant Documents:
Keep all the relevant documents handy as you will need them during claim filing. Fill out the claim form and attach the required documents.
3
Submit Pictures
Once you have informed ZUNO General Insurance Company, a professional will be assigned to your case for car damage assessment. The surveyor will evaluate your case and will take you through the claim process.
4
Claim Settlement
Your case will be resolved by the surveyor based on your opted plan and its coverage. In the case of a cashless claim, the insurance company will settle the claim directly with the network garage. In the case of non-network garages, you will have to pay the repair expenses, which will be reimbursed to you later by the insurance company.
Documents Required to Raise a Claim Under ZUNO Car Insurance
Mentioned below are the documents that you would need to submit as part of your ZUNO car insurance claim procedure-
- Duly signed claim form
- Police FIR copy
- Copy of valid Driving License
- Estimated cost of the repair work
- Repair bills as well as payment proof or discharge voucher
- Road tax receipts
- Copy of the car insurance policy
- Copy of Registration Certificate (RC)
