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Zuno Comprehensive Car Insurance Policy

Zuno comprehensive car insurance plan known as Zuno Private Car Package Insurance policy provides a policyholder with financial assistance for third party liabilities as well as own damage sustained by his/her car in an unfortunate event. The Zuno Package Policy thus provides its policyholder with a sense of financial security and peace of mind.

Zuno Comprehensive car Insurance vs Third Party car Insurance

Parameters

Comprehensive car insurance

Third Party car insurance

Coverage

It covers liabilities to the “Third Party” as well as “Own Damage”

Third party car insurance policy provides coverage only for third party liabilities.

Add-ons

The coverage of the policy can be stretched by opting for various add-ons.

Add-ons are not available with a third party insurance plan.

Cost

The comprehensive policy is relatively high-priced as it provides an extensive coverage.

The third party policy is reasonably priced due to its limited coverage.

What Is Covered Under Zuno Comprehensive Car Insurance Plan?

Zuno comprehensive car insurance provides coverage for the following:

  • Third party liabilities: The insurer provides coverage for bodily injuries, death, permanent disability and property damage incurred by a third party due to the insured’s car. The third party property damage cover is limited to Rs. 7.5 lakh.
  • Own damage caused by natural calamities: Any damage caused to the insured’s car due to any natural calamities such as flood, earthquake, landslide etc. is covered under the Zuno comprehensive car insurance.
  • Own damage caused by man-made disasters: The insurer provides coverage for any damage to the insured’s car in man-made disasters such as riot, strike, fire, terrorist activities etc.
  • Theft: The theft of the insured’s car is covered by the insurer under this plan.

What Is Not Covered Under Zuno Comprehensive car Insurance?

Zuno comprehensive car insurance policy does not provide coverage for the following.

  • Normal wear and tear
  • Mechanical or electrical breakdown
  • Any damage caused due to contractual liability
  • In case of willful negligence
  • Liabilities occuring when driving without a valid licence
  • Liabilities occuring when driving under the influence of alcohol or intoxicating drugs.
  • Damage occurred during war, nuclear risk, mutiny rebellion or any such situation

Benefits of Zuno Comprehensive car Insurance

Zuno comprehensive car insurance provides the following benefits to its policyholders:

  • The insurer relieves the policyholder from third party liability and own damage expenses.
  • Availability of a variety of add-on options ensures extensive coverage.
  • Cashless repair and replacement service at the network garages all over India.
  • Availability of helpful customer assistance service.
  • Swift and easy claim settlement process.

Must Read Articles before buying Zuno Car Insurance

Zuno Car Insurance User Reviews

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What users are saying
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  • Comprehensive
  • Most Helpful
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  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
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  • Customer Care
  • Claim
  • Add On
  • Fire Damage Claim

    A short circuit in my car's wiring lit a small fire which damaged the dashboard till some extent. Bajaj Allianz was my insurer and handled the claim process ideally. My car was repaired at a cashless garage and I just had to pay the pre-agreed deductibles and rest was covered with my car insurance. The quality of repair was excellent, and I didn't face any out-of-pocket expenses. InsuranceDekho's suggestion to go with Bajaj Allianz for comprehensive coverage proved beneficial to me.

    C
    By Charlie Daniels
    On: July 12, 2024
  • Theft Recovery

    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

    G
    By Gulfisha Ahmed
    On: July 12, 2024
  • Flood Damage Repair

    My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim was approved after a smooth process and my car was repaired at a cashless garage. I have no complaints with the services provided by Acko. Although the condition of my car before repairing was really bad, Acko claim settlement process returned my car in 4 days and it looks brand new now. Thanks to InsuranceDekho for suggesting Acko for their reliable services.

    N
    By Nilutpal Das
    On: July 12, 2024
  • Accident Claim Settlement

    I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.

    A
    By Arundhati Raj Gupta
    On: July 2, 2024
  • Smooth Third-Party Accident Cl...

    Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICICI Lombard, who was my insurer. They handled the whole case from start to end and settled the third-party claim efficiently. I’m thankful for their support during this stressful time and I'm glad that I sought advice from InsuranceDekho while selecting ICICI Lombard as my insurer.

    P
    By Padmashree Saini
    On: July 2, 2024
  • Broken Window Repair

    While my car was parked in authorised parking, someone broke the window in an attempt to steal my bag from the car. Thankfully he could not steal my bag, and my window was replaced at a TATA AIG cashless garage in less than a couple of days. The quality of the window is impressive, the garage used an original piece to replace my window. Thanks to InsuranceDekho for suggesting TATA AIG based on their quick services.

    M
    By Maya Manchanda
    On: July 1, 2024
  • Convenient Process of Claim

    Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission is very smooth. Thanks to InsurnaceDekho for recommending Digit insurance.

    M
    By Maryam Warsi
    On: July 1, 2024
  • Perfect mobile app

    I recently switched my car insurer to Acko and I have to say that their digital approach is highly convenient for users. The mobile app is filled with so much functions that I don't even feel the need to reach out to customer support. Thanks to InsuranceDekho for completely changing my customer experience by recommending Acko car insurance.

    R
    By Rochisha Girotra
    On: July 1, 2024
  • Quick repair service

    My car's bumper was hanging after it was hit by a car. I gave my car for repair at one of the cashless garages by HDFC Ergo and it was delivered back within the same day. I am very happy with the efficient services provided by HDFC Ergo. Kudos to InsuranceDekho for helping me choose the right fit insurance plan.

    K
    By Kabir Monga
    On: July 1, 2024
  • Smooth claim process

    My new car was damaged due to a local case of riots and it made me really depressed. Thanks to ICICI Lombard for the extraordinary repair service at one of the cashless garages. My car was repaired and no one can tell that it was damaged a few days ago. Credits to InsuranceDekho for helping to choose a car insurance provider quickly.

    S
    By Sunidhi Rawat
    On: July 1, 2024

403 Zuno Cashless Garages in India

Zuno Car Insurance FAQs

  • What are the factors influencing the premium amount of Zuno comprehensive car insurance policy?

    The factors influencing the premium amount of Zuno comprehensive car insurance policy are as follows.

    • Make, Model, Variant of your car
    • RTO location
    • Car’s engine capacity
    • Your choice of add-on covers
    • The desired tenure of insurance policy, etc.
  • How can I get a duplicate copy of the policy documents if I lose the original one?

    If you lose the original policy document, you can contact Zuno General Insurance at their toll-free number 1800-12000 or write to them at support@Zunoinsurance.com.

  • Are passengers of the insured’s car covered under the comprehensive car insurance plan?

    Zuno comprehensive car insurance policy covers only insured’s car and third party liabilities in case of an accident or any other mishap. To get an insurance cover for unnamed passengers, you can buy the Zuno Personal Accident Cover for everybody else travelling in your car, up to Rs. 2,00,000 per person.

  • Is it mandatory to have a comprehensive car insurance policy?

    No, according to the Indian Motor Tariff, every car owner should have their car insured with at least a third party/liability only insurance policy. Thus, a comprehensive cover is not mandatory a mandatory requirement but it is a recommended plan as it insures you against the own-damages of your car in addition to third party liabilities.

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Mumbai65
Bangalore60
Chennai58
Hyderabad51
Delhi46
Kolkata43
Ahmedabad33
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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.