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PLAN TYPE: Comprehensive
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Starting From 2094
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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

Parameters

Details

ZunoClaim Settlement Ratio (CSR)

97%

Founding Year

2008

No. of Network Garages

3,300+

No Claim Bonus

Up to 50%

Starting Price of Car Insurance Premium

Rs. 2094/-

No. of Add Ons

11

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:

Cover

Stand Alone Own Damage

Third-Party

Comprehensive

Damage/Losses happened to own car due to an accident

YES

NO

YES

Damage/Losses happened to own car due to fire

YES

NO

YES

Damage/Losses happened to own car due to natural calamity

YES

NO

YES

Damages to Third-Party vehicle

NO

YES

YES

Damage to Third-Party Property

NO

YES

YES

Personal Accident Cover

NO

YES

YES

Injuries or Death of Third Person due to Accident

NO

YES

YES

Theft of Car

YES

NO

YES

Customisable IDV

YES

NO

YES

Available Add-ons

YES

NO

YES

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

403 Zuno Cashless Garages in India

Zuno Car Insurance User Reviews

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What users are saying
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  • 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

Zuno Car Insurance FAQs

  • 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.

Car Insurance News

Zuno Car insurance starting from ₹ 2094/year*

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Zuno Car insurance starting from ₹ 2094/year*
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.