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Zuno Vehicle Insurance

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Vehicle Insurance

83.12%

Claim Settlement Ratio

1.77

Solvency Ratio

75.63%

Incurred Claims Ratio

Rs. 1097 Cr

Assets Under Management

₹ 0.00 0.0 INR ₹ 0.00

₹ 0.00

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Brand: Zuno
Type: Vehicle Insurance

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Add-OnsDiscountFeaturesTaxesAbout the Insurer

Add-Ons

Key Benefits

✅

50% Advance Payment 

6 months Repair Warranty

Quick claim settlement

Free Vehicle Pickup and Drop

Paid Add ons :

💡

Please note that the below all Add-ons might not be available for all vehicles. It is based on the vehicles condition and Insurer.

Zero Depreciation : also known as Nil Depreciation or Bumper to Bumper, ensures no depreciation is deducted from the coverage amount during a claim. In the event of a claim, the insurance company will cover the entire cost of replacing damaged parts without factoring in depreciation.

Key & Lock Replacement : Covers the cost of replacing lost or stolen vehicle keys, including the cost of new locks if necessary.

NCB Protection : Go claim-free for years and enjoy discounts as big as 50% in premium. The 'No Claim Bonus' add-on guarantees discounts, calculated on the IDV of the vehicle even after a claim has been processed. Terms and conditions are applicable.

Consumables : Covers the cost of items like engine oil, gearbox oil, nuts and bolts, washers, grease, and brake oil after an accident.

Road Side Assistance : Provides immediate help for vehicle breakdowns, including towing, jump-starting batteries, changing flat tires, fuel delivery, and lockout assistance

Engine Protection & Gearbox Cover : Protects your vehicle’s engine from water ingress, lubricant leakage, and internal mechanical failures not covered by standard insurance

Loss of Personal Belongings

Invoice cover : It is a protective add-on that makes up for the gap in between the insured declared value and the on-road price of the vehicle. Reimbursements are available in cases of total loss.

Tyre Protection : Covers the cost of repairing or replacing damaged tyres due to punctures, cuts, bursts, or other accidental damage not typically covered by standard insurance

Personal Accident Cover : Personal Accident cover covers the owner in case of death or disability due to an accident.

Driver Cover: The add-on is an insurance for a paid-up driver. In circumstances of unfortunate death and permanent total disability, caused due to an accident, insurers are liable to pay all bills.

Passenger Cover

Voluntary Deductibles : You will pay a cheaper premium. If you take a claim, only then you will have to pay a minimum of Rs. 2500 otherwise you keep enjoying the discount benefit.

Electrical Accessories

Non-Electrical Accessories


Discount

✅

No Claim Bonus discount range : 20% - 50%

Zero Discount if there was any claim in previous year and If NCB (No Claim Bonus) protection is not taken


Features

✅

Inclusions:

Third Party Bodily Injuries : All bodily Injuries caused to someone else by your car in an accident will be compensated for by your insurance provider.

Third Party Permanent/Temporary Disability: If an accident caused by your car results in a disability of a third party, then the compensation for the same will be provided.

Third Party Death: Compensation will be provided in case an accident caused by your car results in a demise of a third party.

Third Party Property Damage: Damages caused to a third party’s property will be covered up to Rs. 7.5 Lakh.

Road Accidents: Damages caused to your car in accidents or collisions will be covered.

Natural Calamities: Damages sustained by your car in natural disasters such as earthquakes, floods, cyclones, etc will be covered.

Man-made Disasters: Damages incurred by your car in man-made disasters like riots, strikes, terrorsism, vandalism, etc will be covered.

Damage During Transit: Damages caused to your car during transit by road, rail, inland waterway, and lift will be covered.

Fire/Explosion: Damages sustained by your car in fire and explosions will be covered.

Theft of Your Car: Loss of your car due to theft or burglary is covered.

Wear and Tear/Depreciation : Covered for all parts of the car covered at 100% except rubber, nylon, plastic parts, & tyres, tubes, batteries and airbags which are covered at 50% and fibre glass parts which are covered at 30%

Consumables : Coverage is provided for all consumables like nuts, screws, grease, washers, bolts, lubrication oil, power steering oil, brake oil, engine oil, radiator coolants, and AC gas.

Engine Gear Box Cover: Coverage is provided for the damages incurred for the car's engine due to due to water ingression, leakage of lubricating oils along with physical damages incurred towards the differential parts or gearbox.

Key Replacement: Coverage is provided for replacement for car key.


❌

Exclusions :

Drunk Driving: Claims for incidents when the insured was driving under the influence of alcohol are not admissible.

Driving Without Valid Driver’s License: No coverage is offered if the insured was driving without a valid driver’s license.

Mechanical/Electrical Breakdown: No coverage is provided for mechanical/electrical breakdowns.

Driving Under the Influence of Drugs: Claims when the insured was driving under the influence of drugs are not covered.

Damage in War/Nuclear Attack: No coverage is provided for damages sustained in a war or nuclear activity/attack.

Damage to Tyre/Tubes Except in Accidents: By default, damages incurred by tyres and tubes, except in case of accidents, are excluded from the coverage.

Damage Incurred Outside Covered Geographical Boundaries: No coverage is offered for damages incurred outside the coverage geographical limits.


Taxes

GST : 18% on premium paid

About the Insurer

Zuno General Insurance was formerly known as Edelweiss General Insurance when it first started in 2008. Zuno provides a wide range of insurance products including car, health, home, and travel. In 2023 they rebranded themselves to align with the modern digital-first approach and got a positive response as they became one of the prominent players in the Indian General Insurance market. Zuno has established itself as a reliable and customer-focused insurer that provides convenience and tailor-made insurance solutions.

Zuno Car Insurance offers standalone own-damage, third-party, and comprehensive car insurance to customers. It has a wide network of more than 3,300 network garages which provides customers an option for cashless claim settlement across India. This page will brief you about the types of Zuno Car Insurance offered, its key features, what is covered in the policy, the claim process, and the various add-ons offered by Zuno

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