Overview of Zuno Auto Insurance

Customers’ demands for general insurance are met by Zuno General Insurance Company. The company provides a broad array of general insurance products to its clientele, including health insurance, two-wheeler insurance, car insurance, and switch, or pay-as-you-drive insurance.

One of the top general insurance providers in India is Zuno Car Insurance Company. Zuno General Insurance Company’s popularity may be attributed to their excellent products and hassle-free customer service, which meet all of their clients’ insurance needs.

Tips for Zuno Auto Insurance

Types of Car Insurancer:

1. Third-Party Only:

The most basic type of auto insurance is the Third-Party Car Insurance Policy. It is mandatory for all car owners to have this type of insurance. No owner of a car is permitted to drive a vehicle on the road without this minimal level of insurance. In the event that an insured vehicle causes damage, a third-party auto insurance coverage will pay for the harm done to the third party’s vehicle, property, or life. The third-party only auto insurance policy does not provide coverage for harm done to the insured vehicle or to people.

2. Third-Party + Own Damage Car Insurance Policy: 

The additional term for this type of policy is comprehensive car insurance. This comprehensive car insurance policy protects against damage or losses to vehicles carried on by theft, accidents, or harm to third-party property or insured people’s lives.

3. Zuno Switch: 

This is a usage-based car insurance policy. Under this car insurance policy, the insured has to pay for the distance based on the usage. Under this cover, the insured will pay only for the days the car was used thereby saving on the premium amount. This is an Zuno app-based policy that allows switching the cover based on the usage. This cover offers protection against accidents while driving, loss or theft, fire or explosion, Natural Disasters, and Terrorism.

4. Own Damage Only:

If you have a valid third-party insurance policy, you can opt for a standalone own-damage only car insurance policy as well. It covers all damages of your own vehicle due to accidents, theft, etc.

Benefits of Zuno Car Insurance

Zuno General Insurance company is one of the leading general insurance product offering companies in India. The company offers products with unique features and benefits. The following are the benefits offered by Zuno Car Insurance Policy:

• Cashless Servicing: 

Through a large network of authorized garages, the company offers the insured vehicle with the benefit of cashless servicing.

• Customer Service: 

The company offers exceptional customer support and 24*7 assistance to resolve all the queries of the customers. The customers can call the toll-free number to avail help for service related queries. They can also intimate claim to the insurance company through customer service toll-free numbers.

• Prompt services :

Zuno is renowned for offering timely services, whether it be quick claim settlement or a scheduled surveyor visit at the scene of the appearance.

•  Quick Settlement of Claims:

Zuno General Insurance Company speeds up the payout of claims after receiving all necessary and pertinent documentation. The approval and settlement of the claim are completed in seven business days.

• Add-on Coverages: 

Zuno Car Insurance Company offers a variety of add-on covers. The base insurance can have these add-ons applied to it for a minimum premium amount. The different add-ons that are available are as follows:

1. Depreciation shields
2. NCB Protect 
3. Invoice Value Protect
4. Engine Protect
5. Key & Locks Protects 
6. Consumables Expense Protect
7. Required Deduction Protect
8. Personal Belongings Protects
9. Roadside Assistance Safe

What Does Inclusions in Zuno Auto Insurance?

As we’ve seen, the Zuno General Insurance Company provides four different kinds of car insurance plans. Let’s now examine what each of the four categories of insurance policies includes. The causes covered by the car insurance policy are referred to as inclusions. The many inclusions covered by the Zuno auto insurance coverage include the following:

1. Loss or Damage to the vehicle insured: Loss or damage caused to the vehicle or its accessories due to:
2. Fire and Explosion due to self-ignition or lightning
3. Burglary or housebreaking or theft
4. Riot and strike
5. Earthquake
6. Flood or typhoon, hurricane or storm
7. Hailstorm or frost
8. Accidental external means
9. Malicious act
10. Terrorist activity
11. Damage caused in transit by road, rail, water, air
12. Landslide or Rockslide
13. Liability to third-party: it covers the following:
14. Death or Bodily Injury caused to person and or occupants of the vehicle and the legal liability arising due to it.
15. Damage caused to the property of the insured or third-party up to a limit of INR 7.5 Lakhs.

What is Exclusions in Zuno Car Insurance? 

The following are the exclusions under the zuno car insurance policy:

1) Any unintentional harm or loss done to the vehicle when it is outside of the specified region

2) Any action brought forth by a contractual obligation

3) Any claim arising due to contractual liability

4)Loss or Damage arising from consequential loss

5)Loss or Damage caused due to nuclear weapons, war, invasion, etc.

6)Any accidental damage caused due to vehicle used in otherwise than the ‘limitation as to use’

Applying for Zuno Car Insurance

Any customer can obtain a car insurance coverage from Zuno in two days if they so choose:

1. Offline Mode: Under the offline mode, a customer can purchase the car insurance policy either by visiting nearest Zuno General Insurance Company or get in touch with a registered Agent.
2. Online Mode: Visit the official website of Zuno General Insurance Company and get started by entering your car number and start the process of purchasing the car insurance policy from Zuno Car Insurance Company.

The documentation needed to apply for a Zuno auto insurance plan are listed below:

1. properly completed proposal form 
2. proposer’s KYC papers
3. Give all the information that is needed about the vehicle, such as the make, model, and registration number.
4. In light of this, obtain a premium quotation.
5. It’s time to pay a premium once you are happy with the quote and agree to the policy’s terms and conditions.
6. When an insurance premium is paid, a car insurance policy is purchased.

Zuno Car Insurance Claim Process:

Car insurance is a great way to ease the burden of expenses in the event of loss, theft or damage to your vehicle. Filing a car insurance claim is however a tedious task as not many of us know the exact claim process for car insurance. Therefore, here is a little guide that will help to make your claim process hassle-free. In the event of a mishap, you need to follow the below-given steps:

• Filing of FIR:-

The first and the most important step in filing a car insurance claim process is to file an FIR with the police. In the event of significant mishaps like theft, accident, damage to your own car or damage to third-party property or injury you definitely need to file an FIR. However, in the event of minor or insignificant damages, you might directly inform the insurance providing company.

• Accumulate evidence:-

In case of significant damages or accidents, it is important to accumulate evidence by taking photographs of the damages caused to the vehicle and of the accident site. Taking photographs as putting forward them as evidence will help the insurer to inspect and settle the claim faster.

• Notify the insurer:-

One of the most important things is to notify the insurer about the mishap. Delay in reporting might decrease the chances of claim settlement.

• Document submission:- 

After notifying the insurance, it’s critical to send in all necessary and pertinent paperwork. The list of paperwork that you must give the insurance company in order for your claim to be settled more quickly is as follows:

1. Insurance Claim Form
2. Copy of Vehicle RC
3. Copy of driver’s driving license
4. Copy of Policy document
5. Original Copy of FIR (if applicable)

• Zuno Advantage:-

All Zuno Customers have an advantage of Zuno BOLT App. Customers can file claims and all required documents on the app thereby eliminating the time taken for the claim settlement process. Using apps the need for surveyors will be eliminated.

• Take the car to the garage:-

In case of Cashless Claim, you need to shift the vehicle to the insurer’s preferred garage. However, in case of a reimbursement claim, you can shift the vehicle to your preferred garage.

How to Renew Lapsed/Expired Policy Online:

Renewal of car insurance policy is utmost important as it ensures continued protection of the car in events of mishaps like loss or damage in an unforeseen scenario. Zuno General Insurance Company offers a simple and hassle-free platform to renew a car insurance policy. However, if you forget to renew your car insurance within the specified timeframe, the cover will get discontinued and the policy shall expire. 

So, if you renew an expired car insurance policy then the most important aspect is that a survey shall be conducted by the insurance company’s surveyor to scrutinize the fitness of the car. If the car is deemed to be fit by the surveyor only then the renewal of lapsed policy can be done. The following are the documents required for renewal of a lapsed car insurance policy:

• Completely filled proposal form
• Copy of RC Book
• Previous year’s car insurance policy copy
• KYC documents of the proposer

FAQ’s

Q1. What types of car insurance does Zuno General Insurance offer?

A1. Zuno offers four types of car insurance policies: Third-Party Only, Third-Party + Own Damage, Zuno Switch, and Own Damage Only.

Q2. What does Third-Party Only car insurance cover?

A2. Third-Party Only insurance covers damages to third-party vehicles, property, or life caused by the insured vehicle. It does not cover damages to the insured vehicle or its occupants.

Q3. What is Zuno Switch?

A3. Zuno Switch is a usage-based car insurance policy where the premium is based on the distance traveled. It offers protection against accidents, theft, fire, natural disasters, and terrorism.

Q4. What benefits does Zuno Car Insurance offer?

A4. Zuno offers cashless servicing, exceptional customer service, prompt claim settlement, and a variety of add-on coverages to customize your policy.

Q5. What are some add-on coverages available with Zuno Car Insurance?

A5. Add-on coverages include Depreciation shields, NCB Protect, Invoice Value Protect, Engine Protect, Key & Locks Protects, Consumables Expense Protect, Required Deduction Protect, Personal Belongings Protects, and Roadside Assistance Safe.

Q6. What is covered under Zuno Auto Insurance?

A6. Zuno auto insurance covers loss or damage to the insured vehicle due to various incidents like fire, theft, riots, natural disasters, terrorism, and transit damage. It also covers third-party liability up to INR 7.5 Lakhs.

Q7. What are the exclusions under Zuno Car Insurance?

A7. Exclusions include damages outside the specified region, damages due to contractual obligations or liabilities, consequential losses, damages due to war or nuclear risks, and damages from vehicle misuse.

Q8. How can I apply for Zuno Car Insurance?

A8. You can apply for Zuno Car Insurance online through their official website or offline by visiting a Zuno branch or contacting a registered agent.

Q9. What is the claim process for Zuno Car Insurance?

A9. The claim process involves filing an FIR (in significant mishaps), accumulating evidence, notifying the insurer, submitting required documents, and taking the car to the garage. Zuno customers can also utilize the Zuno BOLT App for quick claim filing.

Q10. How can I renew my lapsed/expired Zuno Car Insurance policy online?

A10. You can renew your lapsed/expired policy online by providing a completely filled proposal form, copy of RC book, previous year’s insurance policy copy, and KYC documents of the proposer. Ensure the vehicle is deemed fit by the insurer’s surveyor before renewal.