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Zuno Standalone Own Damage Car Insurance

Zuno Standalone Own Damage car insurance policy is designed to specifically cover damages to the insured car due to unforeseen incidents like collisions, natural disasters, etc. This plan by Zuno General Insurance Company plan can be purchased if you already have third-party car insurance and want to cover your car financially.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Upto 50%
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

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Coverage Under Zuno Standalone Own Damage Car Insurance

Inclusions
Exclusions

Losses or damages arising out of fire, explosion or self-ignition
Partial or total loss sustained by the insured car due to theft, burglary or housebreaking
Damages by floods, typhoons, earthquakes or any other natural disaster
Damages to the insured vehicle due to manmade acts like strikes or terrorist activity
Claims can also be raised for damages to the insured car while it was in transit
Damages arising out of external means, such as an accident or collision are covered.

Claims cannot be raised for any consequential loss, depreciation, general wear and tear
Mechanical or electrical breakdown or failure is not covered
Accidental damages sustained by the insured car when the driver was not carrying a valid driving license
Losses or damages to the insured car when the driver was under the influence of alcohol or drugs
Third party liabilities like third party property damage, death or injury are not covered under own damage insurance

Add-ons Under Zuno Standalone Own Damage Car Insurance

To enhance the coverage of Zuno own damage policy, a policyholder can opt for additional covers for an extra premium while buying car insurance online.

These add-ons include:

Depreciation Protect
NCB Protect
Engine Protect
Invoice Value Protect
Keys and Lock Protect
Consumables Expenses Protect
Personal Belongings Protect
Roadside A

How to Buy Zuno Standalone Own Damage Car Insurance Policy?

Follow the steps mentioned below to purchase a Zuno own damage car insurance policy online with ease:

Visit Policybazaar.com and select “Car Insurance” from the homepage
On the given form, enter your car number
Select your car details like RTO, model, make, variant and registration year
Fill in the registration form and proceed further
From the given list of own damage policies, select the Zuno car insurance plan
Select any add-ons that you wish to include in your plan
Pay the final premium amount using online payment modes
As soon as the premium payment is complete, your Zuno own damage policy documents will be mailed to you.

Documents Required to Raise Zuno Standalone Own Damage Claim

While raising a Zuno car insurance claim, you will be required to submit the following documents to the insurance company:

Claim form duly filled and signed by the policyholder
Driver's driving license
Copy of Police FIR
Repair estimates
Repair bills
Documents as per AML guidelines (KYC)
Copy of car's Registration Certificate
Car insurance policy copy

FAQs

Q1. Is own damage insurance for cars mandatory in India?

Ans: No, purchasing an own damage car insurance is not a compulsory requirement as per the motor laws of India. However, it is recommended when you have a third party cover and want to cover damages to your car as well.
Q2. Can I buy Zuno own damage car insurance online?

Ans: Yes. A Zuno OD car insurance policy can easily be purchased online from Policybazaar.com. Simply visit the official website, select the ‘Car Insurance’ tab, enter your car details and purchase the plan of your budget in just 5 minutes.
Q3. How can I reduce Zuno own damage car insurance premium?
Ans: To reduce the premium of a Zuno own damage cover, you can follow the tips mentioned below:
- Install an ARAI-approved anti-theft device in your car
- Become a member of the Automobiles Association of India
- Save up on your NCB reward
- Choose add-ons wisely
- Avoid making unnecessary modifications to your car
Q4. Will I receive NCB on the purchase of Zuno own damage car insurance policy?

Ans: Yes, for every claim-free year, an NCB reward is offered on an own damage car insurance policy. This NCB when accumulated can be used to receive a discount on car insurance renewal premium.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in