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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
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 98% |
| 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.
- 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.
Coverage Under ZUNO Car Insurance
- 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.
- Illegal Driving: Illegally driving or using an uninsured car is excluded from the coverage. For instance, claiming for an accident while the car was being driven by a person without a valid driving licence.
- Contractual Liability: Claims arising due to any contractual liabilities with a third party are 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: The cost of repairing routine wear and tear resulting in depreciation of the vehicle is not covered.
- Other Purposes: If the insured car is used beyond the scope of coverage, then it is not covered. E.g., if a private car is used for commercial purposes, then the coverage is not provided.
- 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.
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.
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.
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.
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.
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.
For each claim under the personal belongings add-on cover, the policyholder will have to pay an amount of Rs. 250.
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.
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:
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Contact the Insurer:
Contact ZUNO car insurance provider soon after the incident to register your claim
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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.
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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)
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FAQs
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Q1: Is it possible to transfer my NCB from my last insurance provider to ZUNO car insurance?
Ans: 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. -
Q2: What is the maximum No Claim Bonus that I can avail of?
Ans: 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. -
Q3: How long will I be covered under the ZUNO Car Insurance policy?
Ans: 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.
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Q4: How long will it take for my claim to be processed?
Ans: 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. -
Q5: Can I find ZUNO network garages in my area?
Ans: 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. -
Q6: What will happen if I lose my ZUNO car insurance policy documents?
Ans: 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. -
Q7: If I file a ZUNO car insurance claim, will a surveyor be appointed to check out my insured car?
Ans: 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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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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