Zuno Two-Wheeler Add-Ons

The add-on covers serves as additional coverage by making the payment of a little extra premium. This extension of policy coverage safeguards your bike in a better manner at an affordable rate. You can include these add-on covers in your bike insurance policy based on your requirements and budget. Zuno General Insurance offers various types of add-on covers, which you can add in your policy while buying or renewing the plan.

Here are some add-on covers which you can add in your Zuno bike insurance covers by paying an additional premium are as follow:

1. Depreciation Protect – With this add-on cover, you become eligible to get the reimbursement for the amount of depreciation deducted on the value of parts which were allowed to be replaced for your own damage claim lodged and admitted. This add-on benefit would not be applied to total loss, constructive total loss or theft of the bike. Also, the first 10% of the claim amount will be deducted, if your bike is repaired at a garage that is not authorised by us. It is applicable only for bikes which are less than 7 years old and only for the first 2 claims during the policy period.

2. Invoice Value Protect – In case of total and constructive total loss or theft of your two-wheeler, with this add-on cover you get to receive the amount equals to the latest available sales invoice of manufactures of the bike including original customs duty or replacement value of a new vehicle, including customs duty as applicable for the new vehicle, whichever is less. In addition to this, you also get the coverage for registration charges and road-tax applicable for the RTO. However, you can avail this cover only for less than 3 years old vehicles for 1 time in the entire policy period.

3. Pillion Protect – This add-on cover will give you compensation for bodily injury or death sustained by unnamed hirer or driver or pillion or sidecar passenger with the involvement of your bike or whilst boarding or deboarding from your bike or driving or travelling on your bike or caused by a violent accident within 3 months of the occurrence of such injury.

4. Consumable Expenses Protect - This cover is designed to cover the cost of consumables which are required to be replaced or replenished during the repair of your damaged bike. The consumables for which coverage is offered under this benefit includes engine oil, coolant, brake oil, nut & bolt, screw, and items of similar nature excluding fuel. However, this add-on benefit is applicable only for the first 2 claims during the policy period.

5. Emergency Medical Expenses Protect – With this cover you can get the coverage for emergency medical costs incurred by you due to the treatment of bodily injuries suffered by you or any occupant of your bike during mounting and dismounting from the bike or while driving or travelling on the bike or caused by violent accident and required treatment in a hospital or nursing home. This benefit also gives coverage for the ambulance charges up to 1% of the sum insured amount or for Rs. 1,000, whichever is less.

6. Additional Third Party Property Damage Protect – With this add-on cover, you will get the compensation for damage to property belonging to you or held in your trust, custody and control up to the limit provided that damage to property is solely and directly caused by accident by your bike. You can avail this add-on cover on the payment of an additional premium amount along with the normal premium.