Zuno General Insurance Ltd. offers its two-wheeler product as Zuno bike insurance to protect riders against financial losses arising from accidents, theft, natural or man-made disasters, and third-party liabilities. It also provides optional personal accident cover and add-ons for enhanced protection, ensuring more comprehensive coverage for both the rider and the vehicle. Zuno General insurance is registered with IRDAI under registration number 159, and its bike insurance policies are valid across India as per policy terms and conditions.
When it comes to protecting your two-wheeler, choosing the right bike insurance policy is essential for both financial security and peace of mind. Zuno Two Wheeler Insurance offers a range of flexible and affordable options designed to suit different riding needs.
| Feature | Details |
| Starting Premium | Premiums start from approx. ₹2 per day for basic coverage |
| Cashless Garage Network | 3,300+ cashless garages across 50+ cities and 29 states |
| Coverage Types | 3 core plans: third-party, comprehensive, and standalone own damage |
| No Claim Bonus (NCB) | Discounts start at 20% and go up to 50% for 5 claim-free years |
| Policy Tenure | Available for 1 year and up to 3 years depending on plan type |
| Add-on Flexibility | Includes add-ons like zero depreciation, invoice value cover, and emergency medical expenses |
| Digital Purchase | Instant online policy issuance with zero paperwork and quick policy download |
| Coverage Scope | Covers accidents, theft, fire, natural disasters, and third-party liabilities |
This plan combines long-term third-party liability cover with own damage protection under a single policy, making it suitable for new bikes. It ensures continuous compliance with regulatory requirements while also covering damages to the insured vehicle due to accidents, theft, and disasters, along with options to enhance coverage through add-ons.
This is the most basic form of bike insurance that covers legal liabilities arising due to injury, death, or property damage caused to third parties. It does not provide any protection for damages to your own bike, making it a mandatory but limited coverage option as per Indian motor laws.
This comprehensive plan offers both third-party liability cover and protection for your own bike against accidents, theft, fire, and natural or man-made disasters. It also allows policyholders to enhance their coverage with add-ons and optional personal accident cover, making it a well-rounded insurance solution.
This policy focuses only on covering damage or loss to the insured bike due to accidents, theft, or disasters. Since it does not include third-party liability cover, it must be purchased along with an active third-party policy to ensure legal compliance.
This cover provides compensation to the owner-driver and pillion rider in case of injury or death resulting from an accident involving the insured vehicle. It is available at an additional premium and helps extend financial protection beyond vehicle-related damages.
Zuno bike insurance focuses on a digital-first experience with flexible coverage options and quick support, making it a convenient choice for modern riders.
You can choose plans that cover accidents, theft, fire, natural disasters, and third-party liabilities, ensuring all-round financial protection.
You can enhance your policy with add-ons like depreciation protection, invoice value cover, and emergency medical expenses for better protection.
Zuno offers a hassle-free claims process with minimal documentation, helping you get back on the road faster.
You get access to 3,300+ cashless garages across India, ensuring convenient and cashless repairs when needed.
You can buy, renew, and manage your policy online without paperwork, making the process fast and convenient.
You can earn discounts starting from 20% and going up to 50% for consecutive claim-free years.
Coverage for damage due to accidents or collisions
Protection against theft of the insured vehicle
Coverage for natural disasters such as floods and cyclones
Personal accident cover for owner-driver and pillion (if opted)
Third-party liability for injury, death, or property damage
Claims arising due to contractual liabilities
Damage or loss when the vehicle is used for illegal purposes
Losses caused due to war or war-like situations
Normal wear and tear, depreciation, and ageing of the vehicle
Mechanical or electrical breakdowns not caused by an insured event
Damage when riding under the influence of alcohol or drugs
Driving without a valid licence or outside policy terms
Consequential losses or damages not directly caused by an insured event
Buying Zuno bike insurance through Coverfox is simple, quick, and completely digital.
Visit Coverfox and select two-wheeler insurance - Start by going to the bike insurance section to begin your purchase journey
Enter your bike details - Provide your registration number, make, model, and location to get accurate quotes instantly
Compare Zuno insurance plans - Review available coverage options, premiums, and benefits before selecting the right plan
Customise your policy - Choose add-ons and coverage type based on your needs for better protection
Make online payment - Complete the purchase securely using digital payment methods
Get policy instantly - Your Zuno bike insurance policy is issued immediately and shared on your email
Choosing Coverfox to buy Zuno bike insurance gives you a smarter, faster, and more transparent way to pick the right policy.
You can compare multiple bike insurance plans, premiums, and features in one place to find the best fit for your needs.
The entire process is online and paperless, allowing you to buy your policy within minutes without visiting any branch.
You can get real-time premium quotes and receive your policy instantly after payment.
Coverfox shows a clear premium breakdown along with inclusions, add-ons, and discounts, so there are no hidden surprises.
You can tailor your Zuno bike insurance with add-ons like zero depreciation, roadside assistance, and more as per your requirements.
You get assistance during claims and renewals, ensuring a smoother experience when you need it the most.
Coverfox partners with multiple insurance providers, helping you choose from a broad range of policies in one platform.
You can call 1800 12000 for general queries and claim assistance
You can reach the team on 022 423 12000 (standard call charges may apply)
Dedicated support is available at 022 423 12001
You can write to support@hizuno.com for any queries or assistance
*Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Yes, Zuno General Insurance is registered and approved by the Insurance Regulatory and Development Authority of India (IRDAI) with registration number 159, allowing it to legally offer general insurance products in India.
Zuno General Insurance was earlier known as Edelweiss General Insurance Company Limited before rebranding to Zuno.
Yes, personal accident cover for the owner-driver is mandatory as per regulations, while additional coverage for pillion riders can be opted by paying an extra premium.
Yes, you can transfer your No Claim Bonus (NCB) from your previous insurer to Zuno by submitting the required documents during policy purchase or renewal.
Zuno offers depreciation protection as an add-on, but its availability depends on the age of the bike and policy terms at the time of purchase.
Policy customisation is generally done at the time of purchase or renewal, and mid-term changes may be limited based on insurer guidelines.
Zuno bike insurance policies are typically issued instantly once you complete the online purchase and payment process.
Yes, you can download your policy document anytime from the insurer’s website or your registered account after purchase.
Inspection may be required if your policy has expired for a certain period or if there is a break in coverage.
Yes, Zuno offers bike insurance for both new and used two-wheelers, subject to vehicle condition and documentation.
If your policy expires, your bike remains uninsured and you may lose benefits like NCB; renewal may require inspection depending on the lapse duration.
Yes, you can switch to Zuno from another insurer at the time of renewal while retaining benefits like your No Claim Bonus.
