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Key Features:
  • Right Green Tick 50% Advance Payment
  • Right Green Tick 6-Month Repair Warranty
  • Right Green Tick Free Pick-Up and Drop
  • Right Green Tick Quick Claim Settlement

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Overview

  • Why should I buy a car insurance policy from Zuno General Insurance?

    The primary thing that a policyholder looks at in any car insurance policy is how easy the claim settlement process is. Zuno General Insurance is one such company, which is known for offering a fast and hassle-free claim settlement process.

  • Is NCB offered by Zuno General Insurance?

    Yes, just like all other general insurance companies, Zuno General Insurance also offers NCB discount on Own Damage premiums. The discount can be up to 50% if no claim is filed for 5 years.

  • What is not covered under Zuno Car Insurance policies?

    Any of the two Zuno Car Insurance policies do not cover wear and tear of car parts and damages caused to the car due to war and nuclear perils. In addition to that, any electrical/mechanical damage is also not covered under the standard car insurance policy.

  • Is it compulsory to have the Zuno Private Car Package Insurance?

    No, having any of the two policies will fulfil the legal compulsion of having an insurance cover for your car.

  • What is an endorsement?

    An endorsement contains all the details regarding any changes made in the policy documents such as the name of the policyholder, registered mobile number, address, etc.

  • How can I download the policy wordings?

    Visit the Zuno General Insurance official website and then click on the three-line menu tab present on the top right corner of the page. Click on products and select Motor Insurance from the list. Select the Download button under the Policy Wordings and the documents will be downloaded automatically.

  • Does Zuno General Insurance offer 24*7 customer support services?

    Yes, the company offers 24*7 customer support services through its helpline number- 1800 12000.

  • What do I need to do for availing a discount against installing ARAI approved anti-theft devices?

    You need to fill an endorsement form specifying the details of the devices installed. The company offers a 2% discount on premiums for the installation of such devices in the insured car.

Claim

  • What additional things do I need to furnish to the company for claim settlement in case of theft of the insured vehicle?

    Apart from the necessary documents required, policyholders will be required to submit the entire set of vehicle keys, the Final Report – No Trace Report for the lost vehicle, Indemnity Bond as well as the NOC (No Objection Certificate) from the financer in case of theft of the vehicle.

  • What is the amount I need to pay during a claim settlement?

    The amount you pay for the liabilities on your part, at the time of claim settlement, depending on the type of policy and add-on covers purchased is known as deductibles. Policyholders are liable to pay for deductibles - compulsory and voluntary (if opted for at the time of purchasing the policy).

  • What are the details and documents required at the time of claim intimation?

    You require to provide the following details at the time of claim intimation:

    • Insurance policy number
    • Contact numbers
    • Name of Insured policyholder
    • Location of the accident
    • Date and time of the accident
    • A brief description of how the accident occurred.
    • An estimate of the losses
    • Place & contact details of the insured person (in case person intimating the claim is other than the policyholder)

Renewal

  • What factors are to be considered before renewing my policy?

    • Claim settlement ratio
    • Customer assistance service
    • Cashless garage network
    • Insurance premium price

  • Will I be able to retain my NCB if I migrate from a different insurer to Zuno General Insurance?

    Yes, you can continue to enjoy the benefits of NCB (No Claim Bonus) while renewing your policy after migrating from a different insurance company. Zuno offers NCB discounts based on the track record of the policyholders with past insurers.

  • Is it possible to renew my policy If I missed the deadline to renew my policy?

    Yes, you can. One can renew their policy despite missing the deadline, but it can be done within 90 days of the expiry of the previous policy. Failing which, you will be required to purchase a new policy.

Zero Depreciation

  • Can I choose the claim in which I want to use the benefits of the zero depreciation cover benefits?

    Yes, you can. Policyholders have the liberty to decide in which claims they wish to bear the cost of depreciation of the replaced parts or not for a particular claim.

  • What factors are to be considered before opting for a zero depreciation add-on cover?

    You should consider the following factors at the time of availing a zero depreciation add-on cover:

    • Age of the car
    • MMV (make, model and variant) of the car
    • Frequency of sale or purchase of a new vehicle
    • The value of the parts and components in your car

  • What is the premium required for availing zero depreciation add-on cover?

    There is no such fixed premium for the zero depreciation add on cover, the cover is purchased against extra premium in a comprehensive policy. The premium amount for comprehensive policies are determined on the basis of certain factors like Insured Declared Value (IDV) of your car, its age, MMV, cubic capacity etc.

Comprehensive

  • 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.

Third Party

  • Why do I need third party car insurance?

    You need to purchase a third party car insurance for the following reasons.

    • It is mandatory under Indian Motor Tariff. If you do not purchase third party insurance, you will be penalized by a fine of ₹2,000 and/or imprisonment of up to 3 months.
    • It helps you to deal with the financial losses of the third party damage in case of an accident or any other mishap.

  • Can I extend the coverage of a third party car insurance plan?

    No, you cannot extend the coverage of a third party car insurance insurance.

  • Does the Zuno Third Party Car Insurance Plan cover injuries to me or damage to my car?

    No, the Zuno Third Party Car Insurance Plan cover does not cover injuries to you or damage to your car. To cover yourself against the injuries, you can opt for a Personal Accident Cover and for a cover for damages to your car, you can opt for a comprehensive or standalone own-damage car insurance policy.

  • How much compensation is offered by Zuno General Insurance in case of death of a third party?

    Zuno General Insurance offers 100% of the compensation amount in case of a third party’s death due to the insured’s car. The compensation amount is decided by a court of law.

Policy Download

  • Why is the Zuno Car Insurance Policy Document important?

    The policy document serves as proof of insurance and is crucial during the claim settlement process.

  • What information is included in the Zuno Car Insurance Policy Document?

    The document includes details such as policy duration, policy number, type of policy, IDV, premium, terms and conditions, inclusions and exclusions, details of the insured person and the car, and the insurer's grievance redressal procedure.

  • Do I need a hard copy of my Zuno Car Insurance Policy?

    Yes, it is advisable to carry a hard copy of your car insurance.

Must Read Articles before buying Zuno Car Insurance

Zuno Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • 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

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Mumbai65
Bangalore60
Chennai58
Hyderabad51
Delhi46
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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.