Zuno General Insurance Company Limited Car Insurance offers flexible motor insurance solutions, including Third-Party, Standalone Own Damage, and Comprehensive (Package) policies. It also provides telematics-based SmartDrive plans that reward safe driving behaviour. The plans are designed to deliver digital-first policy management, customisable add-ons, and hassle-free claims support.
Zuno General Insurance Company Limited was established in 2016 as Edelweiss General Insurance and rebranded as Zuno in 2023 after Zurich Insurance Group became its majority stakeholder. Registered with IRDAI under Registration No. 153, the company follows a strong digital-first approach to insurance services.
It has received awards such as India’s Best Emerging General Insurance Company for Claim Management, Swift & Prompt Insurer at the 7th Annual Insurance Conclave, and Digital Insurer of the Year (2023) at the ET Now Insurance Awards for its innovation and customer-centric initiatives, establishing itself as a leading car insurance company in India.
| Feature Category | Details |
|---|---|
| Policy Types | Third-Party (TP), Standalone Own Damage, and Comprehensive policies |
| Add-On Covers | 10+ optional add-ons for enhanced protection |
| Cashless Network | 3,300+ authorised cashless garages across India |
| Zero Depreciation Benefit | Up to 2 zero-depreciation claims per policy period |
| Normal Claims | Unlimited admissible normal claims during the policy term |
| SmartDrive Policy | Telematics-based policy that tracks driving behaviour |
| Safe Driving Rewards | Earn rewards and premium benefits for responsible driving |
| No Claim Bonus (NCB) | Discount on renewal premium for claim-free years |
Zuno offers a range of motor insurance plans tailored to different needs, including a smart usage-based option:
Zuno’s Third-Party policy fulfils the mandatory legal requirement under the Motor Vehicles Act. It covers liability for injury, death, or property damage caused to third parties in an accident involving your car, though it does not cover damage to your own vehicle.
Zuno’s Comprehensive policy provides full-spectrum protection, covering both third-party liabilities and damage to your own car due to accidents, theft, fire, natural disasters, and more. It also allows you to add optional covers to enhance your protection.
This policy from Zuno focuses solely on protecting your own vehicle against loss or damage from covered perils like accidents, theft, and calamities. It does not include third-party liability, making it ideal for those who already have basic TP cover.
Zuno’s SmartDrive option is a telematics-based car insurance plan where premiums and rewards are influenced by driving behaviour tracked via a mobile app. Safe drivers can benefit from personalised pricing and rewards, promoting responsible driving.
Third-party injury, death, and property damage (where applicable)
Damage to your own car from accidents and collisions
Loss from fire, theft, explosion, self-ignition, and natural calamities
Damage due to man-made events (e.g., riots, strikes)
Mandatory Personal Accident cover for owner-driver (as per IRDAI guidelines)
Usage-based benefits and rewards under SmartDrive policies
Normal wear and tear, ageing of parts, and routine servicing costs
Mechanical or electrical breakdown not caused by an insured peril
Accidents while driving under the influence of alcohol or drugs
Driving without a valid licence or registration
Consequential losses beyond direct vehicle damage
War, nuclear perils, or mutiny-related damage
Claims from unauthorised or illegal use of the vehicle
Zuno provides a range of add-on covers that allow policyholders to customise their car insurance for enhanced protection:
This add-on links your renewal premium to your driving score recorded through the Zuno app. Safe and responsible driving behaviour can help you earn discounts on future premiums.
With this add-on, Zuno reimburses the depreciation deducted on replaced parts during claims. It ensures higher claim payouts, especially for plastic, rubber, and fibre components.
This cover pays for repair or replacement of internal engine parts, gearbox, piston, and crankshaft damaged due to water ingression or leakage. It also includes labour costs, provided the vehicle is not driven in severely waterlogged areas.
In case of total loss, constructive total loss, or theft, this add-on enables reimbursement of the car’s on-road price. It includes ex-showroom value, road tax, and RTO registration charges for first registered owners.
This add-on covers the cost of consumable items such as engine oil, coolant, washers, AC gas, nuts, bolts, and filters used during repairs after an insured accident.
Zuno reimburses the cost of replacing lost, stolen, or damaged keys and installing new locks, provided the incident is reported to the insurer and police within 48 hours. This cover is usually limited to one claim per policy period.
Other Zuno add-ons include NCB Protection, Mandatory Deductible Protection, Personal Belongings Cover, Roadside Assistance, and Pay-As-You-Drive options, subject to policy terms and conditions.
You can buy Zuno General Insurance Company Limited Car Insurance easily online through Coverfox in just a few steps:
Go to the car insurance section on the Coverfox website.
Input your car registration number, make, model, year of manufacture, and your contact details.
Review premium quotes from multiple insurers and select the Zuno car insurance plan that suits your needs.
Select the policy type (Third-Party, Comprehensive, SmartDrive, etc.) and any add-on covers you want.
Check your pricing and policy details before purchase.
Complete the transaction securely using net banking, card, or UPI.
Your Zuno car insurance policy is issued instantly and sent to your email/mobile.
Zuno Car Insurance has a huge network of 3,300+ cashless garages, spread across India. Here you can avail the facility of cashless claims, as per your policy terms. To find the network garage suitable to your location, you can head over to Zuno Cashless Garages.
1800 12000 (for general customer support & claims)
022 423 12000
022 423 12001
support@hizuno.com
Disclaimer:
* Savings are based on the maximum discount provided on your own damage premium as offered by our car insurer partners.
** Price for a basic third-party car insurance for a car under 1000 CC for 1 year policy, set by IRDAI (Excluding GST).
Yes, Zuno General Insurance was formerly known as Edelweiss General Insurance Company before rebranding.
Zuno offers Third-Party, Comprehensive (Package), Standalone Own Damage, and SmartDrive (usage-based) car insurance options.
You can cancel within the free-look period (typically 15 days). Post free-look, cancellation is allowed with applicable charges.
Typical documents include the filled claim form, RC copy, driving licence, FIR (if applicable), repair estimate, and payment proof.
Your policy can be downloaded from Zuno’s official website after purchase, or by emailing support for a soft copy.
Yes, Zuno provides Zero Depreciation add-on cover, allowing higher claim payouts for parts without depreciation deduction.
Zuno generally settles car insurance claims within about 7 working days after documentation and survey.
Cashless facility is available in authorised network garages, but availability may vary by city based on garage tie-ups.
Yes, you can transfer your No Claim Bonus when switching to Zuno, provided the renewal is within the allowed period.
Engine damage due to water ingress is typically covered only with an Engine Protect add-on, not under the basic policy.
Zuno’s car insurance claim settlement ratio has been reported around 84–85%, reflecting its ability to resolve a large portion of claims.
Roadside Assistance is available as an optional add-on for breakdowns, flat tyres, battery issues, and other emergencies.
Yes, Zuno allows online purchase without physical inspection in most cases, though inspection may be required for claims.
Premiums vary based on vehicle, zone, and coverage, but Zuno often offers competitive pricing and discounts via telematics-based SmartDrive plans.
Yes, Zuno’s SmartDrive/Pay-How-You-Drive option adjusts premiums based on driving behaviour tracked through an app.
Zuno can cover EVs; however specific EV-centric protections (like battery cover) depend on chosen add-ons and policy terms. (Inferred from general motor insurance norms)
.jpg)
