Zuno Car Insurance 2024: Prices, Coverages, Advantages, Claim Process

Table of Contents:

• Zuno Car Insurance Price List in India
• Types of Zuno Car Insurance Plans
• Zuno Car Insurance Add-ons/Riders
• What is Covered and Not Covered in Zuno Car Insurance?
• Zuno Car Insurance Claim Process
• Zuno Car Insurance Renewal
• Zuno Car Insurance FAQs
• Conclusion

Zuno Car Insurance Price List in India

The Zuno Car Insurance Price List in India outlines the various premiums that a customer would need to pay to avail of the different insurance policies offered by the company. The price list typically includes the premium amount and the coverage and benefits each policy provides.

The premium amount for a car insurance policy is calculated based on several factors, such as the type and make of the car, the age of the car, the location of the car, the driver's age and driving history, and the type of coverage opted for. Zuno Car Insurance provides its customers with a variety of options and features to choose from, which help them, customize their policies as per their individual needs and preferences.

In addition to offering competitive pricing, Zuno Car Insurance is known for its efficient customer service and hassle-free claims process. Overall, the Zuno Car Insurance Price List in India is an essential resource for anyone looking to buy car insurance in India. It provides a clear and concise overview of the different policies offered by the company and their corresponding prices, making it easier for customers to compare and choose the best policy for their needs.

Types of Zuno Car Insurance Plans:

Zuno Car Insurance offers different types of car insurance plans in India. These plans are designed to meet the diverse needs of car owners and provide comprehensive coverage against different types of risks. Here are the main types of Zuno Car Insurance plans:

1. Comprehensive Car Insurance: This is the most popular type of car insurance plan offered by Zuno. It provides coverage for damages caused to the insured car due to accidents, theft, fire, natural calamities, and third-party liabilities. It also includes personal accident cover for the driver and passengers.
2. Third-Party Liability Insurance: This plan provides coverage against any legal liabilities arising out of the insured car causing bodily injury, death, or property damage to a third party. It is mandatory for all car owners in India to have at least third-party liability insurance.
3. Standalone Own damage Car Insurance: Own-damage car insurance can protect you against the damage or loss of your own vehicle. However, it doesn't extend coverage to any third-party damage.

Advantages of Zuno Car Insurance:

• Covers loss or damage to your car due to own damage, collisions or natural disasters
• Covers loss or damage to a third party and their property
• Personal Accident Cover compensates the driver and co-passenger in case of injury/death due to an accident
• Avail No Claim Bonus discount on your premium ranging from 20% to 50%
• Get extra protection from financial losses by adding multiple add-ons to the policy
• A large network of 3300+ cashless garages across India.

Zuno Car Insurance Add-ons/Riders:

You can enhance your Zuno car insurance coverage with extra coverage in the form of add-ons or riders on payment of extra premiums at the time of policy purchase. The list of add-ons offered by the Zuno motor insurance policy is mentioned below:

• NCB Protection: NCB is the No claim bonus which is offered to auto insurance customers at the time of renewal if there is no claim during the previous policy period. The no-claim bonus is a form of discount offered to the customers for not claiming in the previous policy period.
• Return to Invoice Value Protection: Return to Invoice is an add-on option that covers the gap between the insured declared value and the invoice value of your bike along with the registration and other applicable taxes.
• Engine Protection: Engine protector provides financial protection to the insured against any repair or loss of the car’s engine due to leakage of lubricant oil or damage to the engine box due to water ingression. If you stay in a low-lying area that has a huge probability of floods during the monsoon season and driving in water-clogged areas also results in malfunction of the engine. Without this add-on, standalone damage to the engine is not covered under your comprehensive car insurance policy.
• Key & Lock Protection: Loss or damage to the keys or lock of your car arising out of an insured event, you will be compensated for the cost incurred in fitting or purchasing new lock or keys or replacement of keys of your insured car. Generally, in case of theft or robbery attempt of your car, burglars use duplicate keys to make unauthorized entry into your vehicle which would damage the lockset of your car door. This lockset needs replacement which is covered under the Keys & Locks replacement add-on of Zuno car insurance. The cost of purchase or replacement of your car keys would be covered under the Keys &Locks replacement add-on on payment of additional premium at the time of policy purchase.
• Consumables Protection: There are certain parts in your four wheeler car such as Engine oil, Gearbox oil, Power steering oil, Coolant, AC oil, Brake oil, Air filter, etc., which are known as Consumable parts. These parts cannot be repaired in case of damage and had to be replaced at the time of claim. The cost of replacement of these parts, in case of an accident, is generally not covered under your comprehensive four wheeler car insurance policy.
• Roadside Assistance: We all need a bit of help sometimes! Whenever you face a breakdown of your car on the road, due to an accident, flat tires, malfunctioning battery, or more, with our breakdown assistance add-on, you will have the benefit of getting assistance 24x7.
• Personal Belongings: Under this add-on the insured is indemnified for the loss or damage caused to his/her baggage kept in the insured car due to an insured peril. Personal baggage generally includes clothing, toiletries, perfumes, bags, and suitcases, or other daily essentials. Baggage insurance compensates for the loss of baggage due to theft or burglary or due to an accident. However, certain items such as Gold, silver items and other precious metals are not covered in addition to the luxury items such as Laptops, Mobiles, etc.
• Depreciation Protection: Depreciation is taken into consideration at the time of claim settlement by the insurance company. As a normal rule, each year 10% or more of the car value would be depreciated depending on the parts which are damaged due to an accident. The depreciation cost is the amount that is deducted from your claim amount due to normal wear and tear caused to your car over some time. This depreciation cost would be given to the customer at the time of claim settlement if the depreciation shield is added to the policy at the time of purchase.

What is Covered and Not Covered in Zuno Car Insurance?

Zuno Car Insurance Claim Process:

Zuno has simplified the claim settlement process for its customers. Below is the process of claim settlement with Zuno:

Step 1: Are you met with an accident? Call: 1800 12000 and we will settle your claim real quick. If not call: 1800-123-4003 for Car Insurance Policy Assistance.

Step 2: You need to submit a few details and documents regarding the vehicle owner and vehicle. By mentioning the basic details such as policy number, date and time of the accident, a brief description of the accident, approximate claim costs, etc. A claim intimation number would be assigned by the Zuno (Edelweiss) claims team, which should be quoted for further communications regarding the claim.

Step 3: The next step in the car claim settlement process is to take the car to the nearest garage for repairs. In case of minor damages, the car can be driven to the nearest garage for undertaking repairs, if in case the car is in immovable condition then the towing services can be availed to tow the car to the nearest garage.

Step 4: If minor damages exceed some INR value regarding the policy term the Surveyor would conduct the survey with the Zuno general insurance company and the policyholder needs to pay to the company. They will take care of the rest and settle your claim.

Documents Required For Zuno Car Insurance Claims:

Accidental Claims:

• Registration Certificate copy of the vehicle
• Driving License
• Claim Form duly signed by the Insured
• FIR or Police Panchanama copy
• Repair Estimate
• Repair bills and payment proof/ Discharge Voucher.
• Documents required by AML guidelines.

Theft Claims:

• Original Policy Document
• Claim Form duly signed by the Insured
• Original Registration Certificate, Permit, Fitness, Tax.
• All original keys/Service Booklet/ Warranty Card/ Original purchase invoice.
• Police Panchnama/FIR and Final report/non-traceable report.
• RTO transfer papers duly signed.
• Consent towards agreed claim settlement value from yourself and Financier.
• NOC from the Financier if the claim is to be settled in your favor.
• Subrogation Letter, Indemnity bond, and Discharge voucher.
• Documents required by AML guideline.

Personal Accident:

• Death Certificate
• Post-mortem report
• Legal Heir certificate
• Certificate of Disablement, in case of permanent partial disability

TP Claims:

• Insurance Policy Copy
• Claim Form duly signed
• Police FIR Copy
• Registration Certificate copy
• Driving License copy
• MACT/Legal Notice
• Claimant details
• Supporting documents.

Zuno Car Insurance Renewal:

Renew your existing Zuno car insurance online till the vehicle reaches 15 years of age. The Zuno Car Insurance renewal process is quite simple which involves the customer entering the policy details and proceeding to the payment page.

It is important to renew it before the expiry date. Usually, Zuno car insurance offers an easy online renewal facility. You easily renew your Zuno car insurance policy online in a matter of a few clicks. You can opt out of the features that you don’t want to avail of and save some premium. You can also opt for the benefits that you were missing from your policy.

• Online Process: You can easily renew your Zuno Car Insurance Policy through the official website of Zuno Insurance Company or Logon to PolicyBachat.com.
• Offline Process: In case, you do not want to renew your Zuno Car Insurance premium online. You can always visit the nearest branch or contact the branch at 1800 12000. Make sure to keep your policy number and document ready. Next, simply make the payment via cash or cheque and your policy will be renewed.

Zuno Car Insurance FAQs:-

Does Zuno Car Insurance offer NCB?

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

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

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

What is an endorsement in Zuno Car Insurance?

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.

If I file an Zuno car insurance claim, will a surveyor be appointed to check out my insured car?

Yes, the insurer will appoint a surveyor to examine your car. It is important to keep your Zuno car insurance documents handy during the inspection.

Is it possible to transfer my NCB from my last insurance provider to Zuno Car Insurance?

Yes, you can transfer your NCB when you switch your insurer. To avail of your No-claim-bonus or NCB, it is required to renew your Zuno car insurance policy before it expires or within 90 days of the expiry date. Failure to do so will nullify your NCB.

How long will I be covered under the Zuno Car Insurance policy?

Zuno's car insurance policy is valid for a year. The policy commencement and expiry date are mentioned in your policy documents. Also, you don’t need to worry about renewing your Zuno car insurance policy as the insurer will send you a reminder in advance so that you can renew your policy within the stipulated time.

Compare Car Insurance quotes for the Zuno car insurance policy on our website. Buy/Renew your Zuno Car Insurance policy and get discounts offered by the company on our portal, if need Help/Assistance/Insurance advisor Call: 1800-123-4003.

Conclusion:

In conclusion, Zuno Car Insurance is a reliable and customer-centric car insurance company that offers comprehensive insurance policies and services to its customers. With a wide range of coverage options, add-on covers, and quick and hassle-free claim settlement, Zuno Car Insurance ensures that car owners are well protected against various risks associated with owning a vehicle. The company's user-friendly online platform and dedicated customer service team make it easy for customers to purchase and renew their policies, as well as to track their claims and policy details. If you are looking for a trustworthy and affordable car insurance provider, Zuno Car Insurance is definitely worth considering.