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ZUNO Third Party Bike Insurance
Zuno (formerly Edelweiss) General Insurance Company is one of the leading insurance providers in India that offer third-party bike insurance coverage for all two-wheeler owners. The policy covers the cost of damage to the property, injury, or even death of a third party in a road accident. Under the Indian Motor Tariff, if a bike rider is caught without third-party vehicle insurance, the person is liable to a fine of INR 2,000 and/or imprisonment for up to 3 months.
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- ZUNO Third-Party Bike Insurance
ZUNO Third-Party Bike Insurance
Third-party bike insurance is a basic & mandatory policy that you need to ride your two-wheeler legally on the roads. It provides financial compensation & legal protection in case of an accident or a mishap. In that case, the insurance company is liable to pay for the loss or damage incurred.
ZUNO Third-Party Bike Insurance versus ZUNO Comprehensive Insurance
You can refer to the below comparative table to understand the difference between the Zuno third-party bike insurance and comprehensive bike insurance-
| Basis | Third-Party Bike Insurance |
Comprehensive Bike Insurance |
| Coverage | Covers third-party legal and financial liabilities | Covers both third-party and comprehensive damages |
| Add-ons | Does not include any add-ons | Various add-ons are available for the insurance |
| Nature of Requirement | Compulsory to be carried everywhere | Optional insurance for the two-wheeler owners |
| Cost of the Insurance | Relatively affordable due to limited coverage of the insurance | Relatively expensive due to extensive coverage of the insurance |
Explore ZUNO Bike Insurance
Inclusions of ZUNO Third-Party Bike Insurance
ZUNO's third-party bike insurance policy covers damages incurred by the third party, whether to the property or life. It also covers any sort of injury to the third party. The policy also covers the riders and the insured against legal troubles while riding bikes or scooters. Check out the coverage benefits under ZUNO third-party bike insurance-
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Third-Party Injury or Death
If the insured gets involved in a collision that causes injury or death to a third party, the hospitalization expenses and the various other medical costs will be borne by the insurance company. The compensation is to be provided to the third party or its nominee, as decided by the court of law. The insurance company will cover the permanent or partial injury caused to the third party or even the death of the third party.
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Third-Party Property Damage
If an insured involves in a mishap and causes damage to the third party property damage. The third-party insurance offers to cover up to ₹ 7.5 lahks in case of third-party property damage.
Exclusions of ZUNO Third-Party Bike Insurance
Since third-party liability insurance is a basic & mandatory policy as per the Motor Vehicle Act, it has limited coverage benefits. Below are exclusions of third party bike insurance-
- No coverage for the loss/damage caused to your own vehicle in a road accident
- No coverage for the damages caused to your vehicle in case of natural calamities or man-made disasters
- No coverage for the theft or total loss to your own vehicle
FAQs
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Q: What is the limitation of the ZUNO third-party bike insurance?
The biggest limitation of the ZUNO third-party bike insurance is that there is no coverage for its own damages.
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Q: What are the penalties if caught riding a bike without insurance?
For the first time, a penalty of ₹2,000 and/or imprisonment for three months, and for the second time, a penalty of ₹4,000 and/or imprisonment for six months.
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Q: Can I buy ZUNO third-party bike insurance policy online?
Yes, you can buy ZUNO third-party bike insurance policy online from Policybazaar.com. For details, you connect with our insurance experts at care@policybazaar.com and call 1800-708-8787.
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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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Read more^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.
^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.
#Savings are based on the comparison between 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.
*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.
*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)
#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.
*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.
*Rs 457/- per annum is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial).The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively.Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The 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
