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Zuno Car Insurance
- Zuno Own Damage Car Insurance
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.
Key Features of Zuno Standalone Own Damage Car Insurance
| 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 |
Coverage Under Zuno Standalone Own Damage Car Insurance
- 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 the OD car insurance policy
Add-ons Under Zuno Standalone Own Damage Car Insurance
To enhance the coverage of Zuno own damage car insurance, a policyholder can also purchase additional covers by paying some extra premium over its standard cover.
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 car plans, 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
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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.
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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.
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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
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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.
Car Own Damage
Bajaj Allianz Standalone Own Damage Car Insurance
Cholamandalam Standalone Own Damage Car Insurance
Digit Standalone Own Damage Car Insurance
Future Generali Standalone Own Damage Car Insurance
HDFC Ergo Standalone Own Damage Car Insurance
ICICI Lombard Own Damage Car Insurance
IFFCO Tokio Standalone Own Damage Car Insurance
Liberty Standalone Own Damage Car Insurance
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Car insurance companies
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
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*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.
##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.