Zuno Car Insurance

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.

About Zuno Car Insurance

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.

Key Features

The key features of Zuno Car Insurance are as mentioned below:

• Affordable Premiums: Since the entire operational setup is digital, Zuno saves a lot on operational costs. This digital approach allows Zuno to comfortably offer incredibly low premiums which makes it affordable for the masses.
• Customise Your IDV: Zuno is one of the few insurers that allow you to customise your IDV. This feature gives you the freedom to pick the IDV according to your requirements. Just keep in mind that a change in IDV will create a change in premium as well, if IDV goes higher it will increase the premium and vice versa.
• Pay How You Drive: This Add-on gives exciting discounts on premium upon renewing. The discounts are based on your driving score on the Zuno Mobile App.

Key Metrics

Eligibility To Purchase A Zuno Car Insurance Plan

To purchase car insurance from Zuno you need to have the following documents:

• Registration Certificate or RC of car.
• Previous policy documents (if applicable)
• A Govt. authorised identification document (PAN/Aadhar/DL/Voter ID/Passport)

Types of Car Insurance Plans Offered by Zuno

You can purchase standalone, third-party, or comprehensive car insurance policy from Zuno:

• Third-Party Car Insurance: Third-party car insurance covers the amount payable as compensation to a third person for any injury caused to them or damage done to their property in an accident by the policyholder’s car. The Indian law has made it mandatory for all vehicle owners to have their vehicle(s) insured by a third-party policy. The rates of third party insurance have been standardised by IRDAI according to the engine capacity of the vehicle in order to make it affordable.
• Stand Alone Own Damage Car Insurance (SAOD): This insurance policy covers the damages incurred by your vehicle. It protects your car from the risks of getting stolen or damaged by accident, vandalism, man-made or natural calamity. This policy is not mandatory but is highly recommended since car repair is usually very expensive. With this policy, you can safeguard yourself from potential exhaustion of savings on repair or damage related costs for your vehicle.
• Comprehensive Car Insurance: This insurance plan covers the benefits of both third party and own damage policies. It covers the payable amount to a third party as well as covers the damages incurred by your car. It is a complete protection plan for you and your car. With a personal cover, this plan also covers the medical expenses in case you get injured due to an accident.

Add Ons Offered By Zuno Car Insurance

Add-ons are added benefits that complement your policy to provide your vehicle with more security. Every add-on brings a unique benefit and comes with a minimal additional price that gets added to your final policy premium amount. Here are all the add-ons offered by Zuno Car Insurance:

• Depreciation Protect: The value of your car begins to naturally depreciate as soon as it comes out of the showroom. Insurers consider this depreciation while filing the claim and hence ask policyholders to pay for the depreciation as they settle the claim for damages. With this cover, the insurer covers the cost of depreciation as well and you don't have to pay anything except the mandatory deductibles.
  
• Roadside Assistance: The roadside assistance add-on is popular as it provides assistance when it's most needed. When you are stuck on the road due to the mechanical breakdown of your car, a deflated tire, or your car running out of petrol, this add-on sends you immediate help with all necessary equipment to get you back on the journey. With this add-on, you also get towing assistance, medical assistance, and overnight accommodation in special cases.
• Engine Protect: This cover secures you from the risk of engine failure due to water damage. Engine repairs are very costly and water damage is not covered in basic insurance plans. This add-on bears the cost of repairing or replacing parts including engine parts, gearbox, crankshaft, and piston.
• Consumables Expenses Protect: This add-on covers the cost of consumables used to repair your car. This includes nuts, bolts, engine oil, AC gas oil, etc.
• Key and Lock Protect: This add-on enables you to get a replacement key and get a new lock installed for free. It is important to note that the incident of damaged lock should be reported to the police within 48 hours to avail of this service. Also, this service can be availed only once during the policy period.
• Personal Belongings Protect: If the claim is admissible, with this add-on you get a cover for your and your family’s valuable belongings which were in the car during the incident. Items like a laptop, charger, camera, mobile phone, etc. are included in this cover.
• NCB Protect: This add-on restores your accumulated No Claim Bonus after your own damage claim. However, this cover loses its value after the first claim, which means with the second claim you will lose your NCB.
• Invoice Value Protect: This exciting add-on returns you the cost of your car as per the invoice in case of theft or damage beyond repair. It also includes the charges of road tax and RTO registration. Ensure that you are the first owner of the car, otherwise, you won't be able to get the benefit from this add-on.
• Pay As You Drive: This cover is for people who don't drive their car on a daily basis. If you use your car moderately or less, then this cover enables you to save money on insurance plans. You get a discount on policy based on the average number of kilometers you drive in one year. You get all the benefits of an insurance plan at a discounted price.
• Mandatory Deduction Protect: Deductibles are part of a policy that determines how much repair cost the policyholder will pay before the claim goes to the insurer. This cover protects you from paying the mandatory deductibles at the time of claim settlement and hence even the lowest claims will be settled by the insurer.
• Pay How You Drive: This add-on gives you discounts on renewal based on your driving score which will be assessed through the Zuno Mobile App. The Zuno mobile app analyses your driving and gives you scores as it checks overspeeding, hard acceleration, sudden braking, fast cornering, and distracted driving.

What Is Covered and What is Not Covered?

Below mentioned is a table that explains the difference in the coverage provided in all 3 insurance plans by Zuno:

How To Make A Claim For Zuno Car Insurance?

If your car is damaged you shall file a claim immediately. Zuno offers a very simple and hassle-free claim process. Before filing the claim, ensure that you have the following documents handy.

1. RC of your vehicle
2. Copy of FIR ( if applicable)
3. Policy documents

Follow the below-mentioned steps to file a claim:

Step 1: Inform Your Insurer

It is crucial to inform the insurer about the damage at the earliest. Timely initiation enables a smooth and quick claim process. To initiate the claim, call customer support at 1800 12000 (Toll Free) or 022 423 12000 (paid landline).

Step 2: Submit Documents

Zuno would seek details of how the damage happened to your car and ask you for the required documents. Apart from the usual documents, you might be asked to submit some additional documents to support your claim. Submit these documents and ensure authenticity is maintained to avoid rejection of the claim.

Step 3: Inspection

Next, you can book a slot for inspection, an inspection can be arranged at your address or any other location as per your convenience. A third-party inspecting officer will examine the damages to your car and calculate the estimated cost of repair.

Step 4: Get Your Car Repaired

When the Inspection is complete and your claim is approved by the inspecting officer, you can get your car repaired. Now you need to choose between going for either a cashless claim settlement or a reimbursement claim settlement. If you go for a cashless garage, you just need to pay the deductibles. On the other hand, if you get your car repaired at a non-network garage, submit the invoice of repair to Zuno and you will get the reimbursement in your bank account. You can also reach out to InsuranceDekho’s claim assistance team to help get your claim settled in time.

Zuno Car Insurance Renewal Process

Keeping your policy status ‘active’ is as important as purchasing a policy. Majority of the car insurance policies last for a complete year and require renewal before expiry. It is recommended that before renewing your policy you should check other insurer plans as well. With time policies change and you should purchase the policy that meets your requirements. InsuranceDekho provides you with a platform where you can compare different policies very conveniently. It helps you make an informed decision and helps you decide between renewing your previous policy or switching to a new one.

Zuno Car Insurance Customer Service & Support

Zuno Contact Details

Here are the channels available to connect with Zuno customer care:

1. Landline No.: 022 423 12000
2. 24/7 Toll-Free Number: 1800-12000
3. Email: support@hizuno.com
4. Support for Senior Citizen: 022 423 12001 / seniorcitizen@hizuno.com

InsuranceDekho Contact Details

InsuranceDekho provides all insurance-related customer service. Below mentioned are the channels to contact InsuranceDekho customer service.

1. Phone Number: +91-7551196989
2. Email: support@insurancedekho.com

Complaints & Grievance Redressal

Zuno Grievance Redressal

In case the response of customer support is not satisfactory, you can reach out to the grievance cell.

To connect with Zuno's grievance cell, call on toll-free number 1800-120-216216 or write to grievance@hizuno.com. The response time for this escalation is 7 days.

If there is a lack of response or the problem is not resolved, then further escalate by writing to the grievance officer at grievanceofficer@hizuno.com or calling on 022-42312022. You must get a response to this query in the next 7 days.

In case the problem still persists, reach out to the grievance officer of IRDAI and if further escalation is required, reach out to an insurance ombudsman.

InsuranceDekho Grievance Redressal

1. Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
2. Contact Centre: Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
3. Visit our website https://www.insurancedekho.com/contact-us