Most Trusted Car Insurance
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. The Zuno General Insurance Company offers dedicated four-wheeler insurance plans based on the needs of the car owners. They also provide cashless assistance in case of any road mishap.
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.
Key features of Zuno Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs. 15 Lakhs
Network Garages
1,500
No Claim Bonus
Yes
No. of Zero Dep Claims
2
No. of Comprehensive Claims
Unlimited
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.
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:
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.
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.
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.
Coverage Under ZUNO Car Insurance
What is Covered?
Theft
Damages sustained by the insured car due to theft, burglary, and housebreaking are included.
Self-ignition
Any damage caused by fire, lightning, explosion, and self-ignition is covered.
Manmade Disasters
Losses arising due to manmade disasters, such as strikes and riots.
Natural Disasters
Natural calamities like earthquakes, floods, storms, typhoons, hurricanes, rockslides, cyclones, etc. are covered.
Accidental Means
Accidents by external means are included in the car insurance.
In-transit Damages
Damages sustained by the insured vehicle while in transit by rail, road, lift, inland - waterways or air - are covered.
Terrorist Act
Damages incurred due to any terrorist activity.
What is not Covered?
Invalid Driving Licence
Any accidental loss or damage if the driver was found driving without a valid driving licence is not covered.
Outside Geographical Area
Accidents that take place outside the scope of the geographical area as mentioned in the policy.
Consequential Damages
Any consequential damage or loss arising due to car accidents is not covered. For example, if you leave your damaged car unattended and later on, you find out that some of its parts have been stolen, then the insurer will not pay for the loss.
Civil War
Any type of loss or damage resulting due to situations like enemy strikes, riots, or other warlike incidents.
Wear and Tear or Breakdown
The cost of repairing routine wear & tear or electrical/mechanical failures is not covered.
Drunk Driving
Damages due to driving under the influence of alcohol or drugs are excluded from the ZUNO motor insurance policy.
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.
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.
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.
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. The key and lock protect add-on can only be used once during a policy tenure and is non-transferable.
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:
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:
Contact the Insurer:
Contact ZUNO car insurance provider soon after the incident to register your claim
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.
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.
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-
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FAQs - ZUNO Car Insurance
-
Is it possible to transfer my NCB from my last insurance provider to ZUNO car insurance?
Yes, you can transfer your NCB to ZUNO General Insurance Company when you switch your insurer. But to avail your No Claim Bonus or NCB, you must renew your car insurance policy before it expires or within 90 days of the expiry date. Failure to do so will nullify your NCB. -
What is the maximum No Claim Bonus that I can avail of?
The maximum No Claim Bonus that you can enjoy is a 50% discount on your own damage car insurance premium. This maximum limit is applicable only if you have not lodged any claim in the previous 5 years. -
How long will I be covered under the ZUNO Car Insurance policy?
ZUNO car insurance policy is usually valid for a year, except in the case of new cars. The policy commencement and expiry date are clearly mentioned in your policy documents. Also, you don't need to worry about renewing your ZUNO car insurance policy, as the insurer will send you a reminder in advance so that you can renew your policy within the stipulated time. -
How long will it take for my claim to be processed?
ZUNO car insurance claims are generally settled within 7 working days. All you need to do is submit all the essential documents, and your claim will be settled immediately. -
Can I find ZUNO network garages in my area?
ZUNO has a great network of workshops/garages, so you will be able to find a cashless garage nearby. You can also check the list of all the garages on the insurer's site. -
What will happen if I lose my ZUNO car insurance policy documents?
Once you have made the payment, the insurer will send you a soft copy on your registered email ID. In case you lose your hard copy, you can refer to the soft copy that is there in your inbox. To get another hard copy, you can call the insurer. You can also send them an e-mail and get your copy right away. -
If I file a ZUNO car insurance claim, will a surveyor be appointed to check out my insured car?
Yes, the insurance company will appoint a surveyor to examine your car. It is important to keep your ZUNO car insurance documents handy during the inspection.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
