Zuno Car Insurance: Reasons for Choosing

Zuno car insurance is a comprehensive car insurance plan offered by Zuno General Insurance Company. It is part of the Zuno group. The Zuno group is one of the largest financial services groups in India. From credit to investment and advisory to insurance, Zuno has successfully diversified across all financial sectors. The insurer provides an extensive range of car insurance plans for private car, commercial vehicles, goods carrying vehicles, liability only, personal accident cover, standalone own damage cover along with add-ons for the same. The company has an established network of more than 1500+ cashless garages that offer priority services.

Note: Zuno General Insurance formally known as Edelweiss General Insurance.

Here are a few reasons to choose Zuno Car Insurance:

• 1. Cashless Servicing
• 2. Optional add-ons
• 3. Decision on claims approval within 7 working days from the receipt of all documents.
• 4. Easy Access to 1000+ Cashless Garages.
• 5. Priority Services at Preferred Workshops.

Zuno Car Insurance comes with a wide range of features and benefits to make your protection complete and comprehensive:

• 1. Cashless Servicing - Avail wide network of cashless garages service.
• 2. Optional add-ons covers - Customize your policy. Select from a list of smart rider options, available for an additional premium.
• 3. Toll-free assistance number for queries related to the policy and intimation of a claim (1800 12000).v
• 4. Prompt and time-bound visit of the surveyor of claims.
• 5. Decision on claims approval within 7 working days from the receipt of all documents.
• 6. Discounts & entitlements

Zuno General Insurance offers two types of car insurance plans:

Zuno Private Car Package Insurance - This is a comprehensive car insurance package which provides a wide range of protection to your car and self.

What is covered?

• Loss/damage to the vehicle or its accessories by:
• 1. Fire, explosion, self-ignition or lightning;
• 2. burglary, housebreaking or theft; by riot and strike;
• 3. Earthquake (Fire and shock damage);
• 4. Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost;
• 5. Accidental external means;
• 6. Malicious act;
• 7. Terrorist activity;
• 8. Whilst in transit by road rail inland - waterway lift elevator or air;
• 9. landslide, rockslide
• Third Party Liability
• 1. Death of or bodily injury to any person including occupants carried in the vehicle.
• 2. Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to a limit of Rs. 7.5 lakhs.
• Personal Accident Cover (owner/driver) - Compensation for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst travelling in it as a co-driver, caused by violent, accidental, external and visible, up to a limit of Rs. 2 lakhs.

Zuno Private Car Liability Only Insurance - This is a basic car insurance plan. It is mandatory as per the Indian Motor Vehicles Act, 1988. This plan covers other people, their vehicles and property in case of an accident. It doesn’t cover injuries to you or damage to your car.

What is covered?

• Third Party Liability
• 1. Death of or bodily injury to any person including occupants carried in the vehicle.
• 2. Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to a limit of Rs. 7.5 lakhs.
• Personal Accident Cover (owner/driver) - Compensation for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst travelling in it as a co-driver, caused by violent, accidental, external and visible, up to a limit of Rs. 2 lakhs.

The various car insurance discounts offered are:

• Zuno Private Car Package Insurance
• 1. No-Claim Bonus (NCB)
• 2. Increased discount on premium in case of voluntary deductible in addition to compulsory deductible.
• 3. Discount on being an active member of a recognized Automobile Association of India (AAI).
• 4. Additional discount for vintage cars.
• 5. Additional discount if you have installed an Automobile Research Association of India (ARAI) approved anti-theft device in your vehicle.
• 6. Discount for laid-up vehicles.
• 7. Discount on Third Party Property Damage.
• Zuno Private Car Liability Only Insurance - Rs. 100 discount for a cover (limited amount) of Rs. 6,000/- for Third Party Property Damage.

The inclusions have been mentioned above. The list of exclusions are:

• Any accidental loss or damage and /or liability caused outside geographical area as mentioned in the policy.
• Any claim arising due to contractual liability.
• Accidental loss or damage or expenses arising from any consequential loss.
• Accidental loss or damage or expenses arising from nuclear weapons, war, invasion, acts of foreign enemies, hostilities or warlike operations.
• Whether before or after declaration of war, civil war, or caused by or contributed to or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
• Any accidental loss or damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the 'Limitation as to Use' or being driven by or is for the purpose of being driven by him/her in the charge of any person other than a driver as stated in the Driver's Clause.

In case of an accident, you are required to register your motor claim at 1800 12000 (toll-free) with the following documents.

Documents required for Car Accidental Claims:

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

Additional documents required for a Commercial vehicle:

• Fitness certificate
• Permit certificate
• Road Tax receipts
• Load Challan

Documents required for Car Theft Claims

• Claim Form duly signed by Insured
• Original Policy Document
• 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.
• Acknowledged copy of letter addressed to RTO intimating theft and forming ‘NON-USE’.
• RTO Transfer papers duly signed.
• Consent towards agreed claim settlement value from yourself and Financier.
• NOC from the Financier if claim is to be settled in your favour.
• Subrogation Letter, Indemnity bond and Discharge voucher.
• Documents required by AML guideline.

Documents required for PA & TP Claims:

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

Online - You can easily renew your Zuno Car Insurance Policy through the official website of Zuno General Insurance.

Offline - In case you do not want to renew your Zuno Car Insurance premium offline. 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.

The car insurance policy offered by Zuno is a comprehensive plan. It is one of the few service providers which offers cover outside India at an additional cost. Under this plan, there are two options for cover. A smooth and hassle-free claim settlement procedure is the reason that this plan is popular among individuals.