Zuno Own Damage Bike Insurance

Zuno Own Damage Bike Insurance Policy - Key Features

The following are the features of Zuno own-damage two-wheeler insurance policy:

*Disclaimer: The key features above are for reference purposes only. Please check your policy document for the exact coverage details.

Why Choose Zuno Own Damage Bike Insurance?

With Zuno own-damage (OD) bike insurance policy, you can safeguard your vehicle against losses or damages from road accidents, theft, fire, and natural or man-made disasters. This bike insurance differs from the mandatory third-party bike insurance policy and must be purchased in combination for complete coverage.

The benefits of bike own-damage insurance policy are as follows:

• Flexible Add-Ons: You can customise your own-damage bike insurance policy with options such as zero depreciation cover, engine protection cover, and pillion rider cover to enhance your coverage.
• Network Garages: With the Zuno OD bike policy, policyholders can benefit from cashless repairs at an extensive network of authorised garages, which provide convenient service across various locations in India.
• 24*7 Customer Support: Zuno General Insurance Company provides round-the-clock assistance for own-damage related queries, emergencies, and claims, ensuring support whenever policyholders need it.

Inclusions of Zuno Own Damage Bike Insurance

Listed below are the inclusions of the Zuno bike insurance policy:

• Coverage is available for repairing or replacing your bike if it's damaged in a road accident.
• Financial compensation for damages caused by natural disasters like floods, earthquakes, etc.
• Compensation for losses due to man-made disasters such as strikes, riots, and wars.
• Financial assistance is available if the insured two-wheeler is stolen.
• Coverage for damages during transportation by road, rail, air, or elevator.
• Compensation against damages to the insured vehicle from fire, explosion, or self-ignition.

Exclusions of Zuno Own Damage Bike Insurance

The Zuno OD bike insurance policy does not include the following:

• It excludes coverage for normal wear and tear on the bike.
• Does not cover mechanical or electrical failures.
• No coverage for damages to third-party vehicles, property, or individuals.
• It does not cover incidents where the rider does not have a valid Driving License (DL) or registration certificate, or valid bike policy.
• Excludes damages caused while the rider is under the influence of alcohol or other intoxicated substance.
• Does not cover damages resulting from unauthorised use of the bike as per policy terms.

How to Buy Zuno Own Damage Bike Insurance Online?

You can buy Zuno own-damage bike insurance policy online by following the steps below:

• Step 1: Go to Policybazaar.com and click on the 'Insurance Products' option available in the top menu.
• Step 2: From the available options, select 'Own Damage Bike Insurance'.
• Step 3: Proceed further by providing the accurate details of your vehicle and then click on 'View Prices'.
• Step 4: Now, select 'Zuno Own Damage Bike Insurance'.
• Step 5: Type in the required details correctly.
• Step 6: Lastly, pay the premium online, and your policy will be sent to you via email.

How to Raise Zuno Own Damage Bike Insurance Claims?

The steps to raise Zuno OD bike insurance claim are as follows:

• Step 1: Immediately inform the insurance provider about the mishap.
• Step 2: Download the claim form from the insurer's website and fill it with the correct details.
• Step 3: Submit the completed claim form to the insurance company along with the requested documents, if any.
• Step 4: The insurer will send a surveyor to assess the extent of damages or losses to the insured vehicle.
• Step 5: The insurer will decide whether to approve or reject your claim request based on the assessment report prepared by the surveyor.
• Step 6: If your claim is approved, you can get cashless repairs at any of the insurer's network garages. Alternatively, you can have your bike repaired at a non-network garage and get reimbursed later.

Documents Required for Zuno Own Damage Bike Insurance Claim

You will need the below-mentioned documents for raising Zuno own-damage (OD) bike insurance claim:

• Accurately filled and signed claim form
• Registration Certificate (RC) of the insured motorbike
• Copy of FIR report (if applicable)
• Active Zuno OD bike insurance policy
• Rider’s Driving Licence (DL)
• Any other documents that the insurer asks for