ZUNO (formerly Edelweiss) Bike Insurance Claim

Documents Required to Raise a ZUNO (formerly Edelweiss) Bike Claim

A policyholder or policy buyer must know what documents they must submit in case they have to request a claim. Therefore, the documents required to file a ZUNO (formerly Edelweiss) bike insurance claim are as follows-

For Accidental Claims

• Claim form appropriately signed by the insured
• Registration certificate copy of the bike
• Driving license
• FIR copy
• Repair estimate
• Repair bills and payment proof or discharge
• Voucher
• Documents required by AML guidelines

For Theft Claims

• Claim form appropriately signed by Insured
• Original policy document
• Original registration certificate
• All original keys, the service booklet, the warranty card, and the original purchase invoice.
• Police Panchanama or FIR and final report or non-traceable report.
• Acknowledged copy of the letter addressed to RTO (Regional Transport Office) intimating theft and forming 'NON-USE'.
• RTO transfer papers duly signed
• Consent for agreed claim settlement value from your side and the financier.
• NOC from the financier if the claim is to be settled in your favor
• The Subrogation letter, indemnity bond, and the discharge voucher
• Documents required by AML guidelines

For Personal Accident Claims

• Death certificate
• Post-mortem report
• Legal heir certificate
• Certificate of disablement, in case of permanent partial disability

For Third-Party Claims

• Insurance policy copy
• Claim form duly signed
• Police FIR copy
• Registration certificate copy
• Driving license copy
• MACT/Legal notice
• Claimant details
• Supporting documents

ZUNO (formerly Edelweiss) Third-Party Bike Insurance Claim Process

If you want to file a cashless claim for your ZUNO (formerly Edelweiss) bike insurance policy, follow the below steps-

• Step 1– Contact your insurer and request a claim. You can call them, or you can email them about the claim request.
• Step 2– File an FIR at a police station in case of theft or an accident since it is mandatory for these types of events.
• Step 3– Send your bike to an authorized network garage of your insurer. The insurance company now will send a surveyor to verify and analyze the situation and prepare an assessment report for the insurer.
• Step 4– Repair your bike/ two-wheeler and collect the bills since these bills will be required to get your claim accepted by the insurance company.
• Step 5– Now submitted all the documents to your insurer. They will verify everything and will conclude whether to accept your claim or reject it.

Common Reasons for Bike Insurance Claim Rejections

The common reasons for claim rejections at ZUNO (formerly Edelweiss) bike insurance are as follows-

• Driving without a license- You must possess a valid driving license while riding your bike; otherwise, your claim will be rejected.
• Drunk driving- If you were riding your bike in an intoxicated state, and any accident happens, then your claim will be rejected.
• Policy exclusions- No coverage for exclusions or perils mentioned in the bike insurance policy documents. For example, if you have a third-party bike insurance policy and request a claim for damages that have occurred to your bike, your claim will be rejected unless you have a ‘standalone own-damage policy’ with it.
• Learner’s License- If you hold a learner's license while riding your bike with someone who has a valid driving license sitting in the passenger seat. Otherwise, your claim will be rejected.

ZUNO (formerly Edelweiss) Bike Insurance No-claim-Bonus

A no-claim bonus or NCB is a reward in the form of a discount on the premium offered by the insurance company if no claims were raised in the policy period.

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