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Zuno Car Insurance Add on Covers

A standard comprehensive car insurance plan may at times, fall short of offering you claim amounts that you would be expecting. The primary reason behind this is that the comprehensive plan does not cover a few things such as depreciation and a few parts of your vehicle. There comes the role of add-on covers.

Zuno - 9 Important Add-on Covers For Your Car Insurance Policy

Zuno General Insurance offers a vast range of add-on covers along with its package (comprehensive) car insurance policy. Let us understand each one of them in brief.

1. Depreciation Protect

Generally known as zero depreciation add-on, the Depreciation Protect cover offered by Zuno General Insurance waives off the liability of depreciation from the policyholder. As a result, the policyholder enjoy higher claim amounts. This add-on cover is available for vehicles up to 7 years of age and only 2 claims are permissible in a policy tenure. In order to enjoy complete benefits of this cover, it is recommended that the damaged vehicle is repaired in an authorised garage. This is because, the company deducts 10% of the claim amount if the vehicle is repaired in a garage not authorised by the company.

2. Engine Protect

Electrical/mechanical wear and tear is not covered under the standard package policy. However, you can get this covered with the Engine Protect add-on. It covers all types of damages caused due to water ingression or oil perils in the engine or gearbox. Only 1 claim is permissible in a policy period. The best part is that the company also compensates for the labour charges incurred to repair/replace the covered parts.

3. No Claim Bonus Protect

As the name suggests, the NCB Protect add-on cover helps you to retain the existing NCB discount even after 2 claims are filed in a policy tenure. However, one must make sure that the policy is renewed within 90 days of expiry in order to enjoy the benefits of this cover.

4. Invoice Value Protect

In consideration of payment of an additional premium the company will pay the full listed showroom price of the vehicle irrespective of the IDV mentioned in the policy document. The cover is applicable in case of constructive total loss, total loss and theft of the vehicle as well. The cover is only for cars up to 3 years of age.

5. Key and Lock Protect

Having this add-on cover will get you indemnified for the procurement/repair of new key/lock in case the existing one is lost/damaged. In order to get the benefits of this cover during claim settlement, the policyholder must ensure that to lodge an FIR within 48 hours of the event.

6. Consumable Expenses Protect

As per this add-on cover, if the vehicle sustains damage in an accident/or another cause mentioned in the policy then Zuno will indemnify the cost of repair/replacement of damaged consumables. Here are a few consumables falling under the add-on coverage, engine oil, brake oil, AC refrigerant, power steering oil battery electrolyte, gearbox oil, coolant, AC gas oil, windshield washer fluid, radiator coolant, nut & bolt, screw, oil filter, fuel filter, bearings, washers, etc.

7. Mandatory Deduction Protect

Purchase of this add-on cover will ensure that the company will waiver the compulsory deductibles as stated in the policy. Meaning, that Zuno will indemnify the cost incurred by the policyholder towards bearing the compulsory deductibles at the time of claim settlement or if mentioned otherwise in the policy. This add-on cover is available for cars less than 5 years old and is applicable once during the tenure of the policy.

8. Personal Belonging Protect

In case the policyholder or family members of the policyholder suffer loss/damage to their personal belongings due to insured events or circumstances then Zuno will pay for the loss or damage of the same. Compensation for laptop/tablets/mobile phones are only in case of theft from the locked insured car. However, it must be kept in mind that items that are connected to trade and business and claims not filed within 7 days of the incident will not be compensated for. The company will compensate for such losses up to a maximum of Rs.1,00,000 during the tenure of the policy. Policyholders will have to pay Rs.250 for each claim under this add-on cover.

9. Road Side Assistance

Zuno, against the payment of additional premium will provide Road Side Assistance (RSA) in cases of

  • Mechanical and electrical breakdown of the vehicle in a public road
  • Immobilization due to an accident or a road mishap
  • Flat tyre
  • Dead Battery
  • Locked-in lost/misplaced vehicle keys
  • Incorrect/contaminated or shortage of fuel leading to immobilization of the vehicle

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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  • Simple and Fast Process

    I chose InsuranceDekho to buy my ICICI Lombard car insurance policy, and I’m so glad I did! The process was quick, straightforward, and completely stress-free. I easily compared plans, found the right coverage, and got my policy in minutes. No hidden fees or confusing steps. If you want a simple and hassle-free way to get car insurance, InsuranceDekho is the way to go!

    N
    By Nirmala Singh
    On: February 13, 2025
  • Super Happy with My Experience...

    I recently bought my HDFC ERGO car insurance through InsuranceDekho, and I couldn’t be happier! The whole process was smooth, quick, and completely hassle-free. The website made it easy to find the right policy without any confusion, with no hidden fees, and just a seamless experience. I’d recommend InsuranceDekho to anyone looking for a stress-free way to buy car insurance!

    A
    By Apala Pandey
    On: February 13, 2025
  • Effortless Insurance Purchase

    I just bought my car insurance from HDFC Ergo through InsuranceDekho, and I couldn’t be happier! The process was so simple and quick. I found the right policy in minutes, and the purchase was super easy. No complications, no stress. InsuranceDekho made it easy, and I’d highly recommend them to anyone looking for a reliable and hassle-free insurance experience!

    P
    By Priya Jaiswal
    On: February 7, 2025
  • Quick and Easy Process

    I bought ICICI car insurance through InsuranceDekho, and it was fast and hassle-free. The website is user-friendly, and I found the right policy in minutes. The process was smooth, with no complications. Highly recommend InsuranceDekho for a seamless insurance experience!

    N
    By Nitin Bajaj
    On: February 6, 2025
  • 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
  • Excellent Grievance Redressal

    I was having some concerns over some details in the policy document. Upon contacting Digit customer service, they tried explaining it to me but I was not totally convinced and wanted a more detailed response. I further contacted the grievance redressal officer who addressed all my concerns in detail and gave considerable time to help me. InsuranceDekho had mentioned that Digit has a very nice customer query response which inclined me towards the insurer.

    J
    By Jagteshwar Singh
    On: June 28, 2024
  • Smooth Claim Process

    My new car got a dent due to a small accident with a scooter on the streets. Thanks to Acko car insurance my claim process was very smooth and I got my car repaired in a very short time period. InsuranceDekho guided me in regards to selecting a suitable insurer.

    U
    By Umar Waris
    On: June 28, 2024
  • Benefits of Consumable covers

    My car had some mechanical issues and was taken by the insurer for repair. After repairing I had to pay nothing except the deductibles. Moreover, my consumable cover saved me the cost of the consumables required in repairing the car as well. Kudos to InsuanceDekho and their team for helping out in picking the best insurer. After claims with no issues, I'm sure I will keep buying policies from Digit Only.

    P
    By Priyanshu Deshmukh
    On: June 28, 2024
  • Excellent customer support

    I needed some help with my reimbursement claim process in regard of the documents required. I contacted ICICI Lombard customer care and they helped me out quickly after paying genuine attention to my problem. Have to give credit to InsuranceDekho for helping in make a wise decision while purchasing car insurance.

    V
    By Vaishnavi Makhija
    On: June 28, 2024
  • Quality centric service

    I'm a critical thinker and I always scrutinise my decisions. In all honesty, I was very conscious about sending my car to a cashless garage. Somehow due to the very experienced and quality-centric customer service, I chose to get my car towed to a cashless garage. I must say I am very impressed with their work and I will be much more relaxed regarding that in future. Thanks to InsuranceDekho for finding Digit, a trustworthy quality quality-focused insurer.

    A
    By Anshika Chawla
    On: June 27, 2024
  • Live Repair updates

    My car was taken to a garage by Acko within an hour of filing a claim. The speed of work was very impressive and the best thing was that I was receiving regular updates on my WhatsApp. Within a few hours my car was delivered, completely washed and sanitised it looked like a new car. Thanks to InsuranceDekho for understanding my requirements and suggesting a perfect insurer for car insurance.

    S
    By Sriram Subramaniam
    On: June 27, 2024
  • Roadside assistance

    I was travelling back to Delhi from Moradabad early morning when my car stopped working and smoke was coming out from the engine. I was in a panic situation and called the HDFC Ergo claim team and a towing vehicle arrived in justified time with a mechanic who assessed the car and identified the problem. The car was then towed to a garage and I came back to my home with a cab. In a couple of days, my car was delivered back and all the costs were handled by HDFC Ergo. The whole experience was more helpful than I wished for and I would encourage everyone to take insurance using InsuranceDekho to protect themselves from getting stuck in such situations.

    Z
    By Zeeshan Kamil
    On: June 27, 2024
  • Easy endorsement process

    Since shifting to a different city kept me busy, I almost forgot to endorse my car insurance policy. The moment I reached out to ICICI Lombard customer care for endorsement, I was told that it is a simple process which I had thought will be full of papers and will take a long time. Surprisingly it took a few documents to be submitted online and my policy was endorsed within few days. Im very satisfied with the service and will recommend InsuranceDekho to everyone reading this as they helped me select the insurance provider which met my required needs.

    A
    By Arsalan Jamal
    On: June 26, 2024
  • Smooth Renewal Process

    It was near the end of the financial year and I was caught up with so much work that I almost forgot to renew my Acko car insurance. Only after renewing I realised how easy it was to renew insurance with Acko with their app. I tied up with Acko after spending time analysing best insurance plans from InsuranceDekho so got to appreciate them for that.

    M
    By Mayank Gupta
    On: June 26, 2024
  • Bumper repair service

    I had a small accident while coming back from work and my bumper was damaged so badly that my car was not in a condition to be driven back home. Thankfully I had ICICI Lombard car insurance which covered my bumper damage and had a roadside assistance cover as well. The support team arrived and my car was towed to a garage my car was delivered the next morning. Insurance really helped me saving cost and credits to InsuranceDekho for suggesting a roadside cover.

    G
    By Gurpriya Singh
    On: June 26, 2024
  • NCB Benefits

    I had TATA AIG car insurance for four years and was considering discontinuing it as I never took a claim. But then the NCB discount tempted me to continue and made me choose safety over risk. InsuranceDekho was the reason why I chose TATA AIG so kudos to the team as my car is insured for another year!

    S
    By Shivenendra Theratipally
    On: June 25, 2024
  • Loss of Personal Belonging Cov...

    My laptop was stolen from my car and the window was broken while the car was in parking. I ran to the police and was weeping about my loss as I knew the chances of getting it back are very low. Thanks to Digit loss of personal belonging add-on with the comprehensive car insurance which covered my laptop and I recieved my claim along with the window getting replaced. Shout out to InsuranceDekho for suggesting Digit car insurance with the necessary add-on that made the experience less horrible.

    S
    By Shrishti Damodar
    On: June 25, 2024
  • Smooth claim process

    Couple of days before my car was damaged by a branch of a tree falling on it during a heavy storm. I could not imagine how much cost it would have taken to repair if I didn't have insurance. HDFC Ergo car insurance claim process was very simple and easygoing. Thanks to InsuranceDekho for helping in selecting the best insurance provider.

    A
    By Aman Malhotra
    On: June 25, 2024
  • Responsive customer care

    I was struggling to endorse my policy as I was transferred to a different city, then I contacted the grievance redressal who helped me very effectively and I got my new policy documents in a few days following that. It was very helpful as I was caught up with many other things as well. Glad that I took assistance from InsuranceDekho in the process as well as choosing TATA AIG.

    R
    By Rupali Sharma
    On: June 25, 2024
  • Roadside assistance

    I was stuck on the highway when my car stopped working and smoke came from the engine. I was worried but my roadside assistance add-on from TATA AIG saved my day. In about 30 minutes they sent help and towed my car to the nearest garage as well. My car was repaired at a cashless garage and it did not take much long as well. Really amazing service, thanks to InsuranceDekho for suggesting TATA AIG.

    S
    By Shanti Jha
    On: June 24, 2024
  • Broken window

    Some kids broke the window of my car while playing cricket. I intimated the claim and the process was very easy and did not take much time and my window was repaired in no time. I remember taking assistance from InsuranceDekho while choosing Digit for my car insurance.

    J
    By Jaideep Singh
    On: June 24, 2024

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