Zuno Bike Insurance FAQs

Zuno General Insurance offers three types of two wheeler insurance policies for the customers, Standalone Own Damage Insurance Policy, Third Party Insurance Policy and Comprehensive Insurance policy. A standalone own damage policy covers all the damage caused to the insured’s bike and a third party insurance policy covers all the legal liabilities of the third party. Whereas a Comprehensive insurance policy is a combination of both.

Zuno General Insurance provides various add-on covers to help the policyholders extend their coverage as per their need. It provides add-on covers such as Zero Depreciation Cover, Invoice Value Protection, Key & Locks Protection, Roadside Assistance, Personal Belongings Protection, Engine Protection etc.

The premium for Zuno two-wheeler Insurance is determined based on several factors such as:

• Insured Declared Value
• No-claim Bonus
• Cubic Capacity of the bike
• Brand
• Engine Capacity, etc.

To get detailed information about your Zuno two-wheeler Insurance policy contact customer assistance by dialling toll-free number 1800-12000 or mail them your query at support@Zunoinsurance.com. You can also check www.insurancedkeho.com and contact them for seeking information.

The premium of a bike insurance cover is affected by various factors such as Insured Declared Value (IDV), RTO location of the bike, Age of the bike, Modifications, No Claim Bonus (NCB), Anti-Theft Devices, Engine’s Cubic Capacity, Add-on covers, Age of the Owner, etc.

You can find the best bike insurance premium calculator to compute the premium and Insured Declared Value (IDV) for your bike insurance policy, which are provided by multiple insurance companies at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

To get the IDV value and amount of premium for your bike insurance offered by different insurer providers in the market, you will just have to fill up a few details on the premium calculator like make of your bike, model of your bike and variant of your bike, engine capacity of your bike, fuel type of your bike, registration year of your bike, RTO location of your bike, etc.

Yes, you can calculate the amount of premium for your bike insurance as well as IDV value provided by different insurance providers for your used or old bike with the help of a premium calculator available at the InsuranceDekho.

The bike insurance add-on covers are designed to offer you extended insurance coverage at an affordable cost of the premium.

You can buy an add-on cover to enhance the insurance coverage of your bike insurance policy either during the purchase of the insurance cover or while renewing the insurance cover.

No, it is not compulsory to add a bike insurance add-on cover in your existing bike insurance policy. You can include it in your insurance plan by paying a little extra premium amount based on your needs and budget.

You can purchase several add-ons covers together, which are provided by the insurance provider based on your needs and budget. Zuno provides 4 add-on insurance plans and you are allowed to add all of those add-on covers in your policy at the same time.

Yes, a third-party bike insurance policy can be purchased online which saves your time as well as money. You can visit the website of the insurance company of your choice to purchase the policy. On the other hand, you can also opt for a leading insurance platform such as InsuranceDekho by visiting its website, i.e., www.insurancedekho.com.

Their coverage of the third party bike insurance policy is limited due to which it does not give coverage to the policyholder for damages or losses sustained by him or her. The plan is designed to cover only third parties and not for own-damages.

If a third party person sustains death or partial or permanent damage, the insurance company will offer compensation to his or her nominee.

No, the third party bike insurance policy provides no coverage for damages caused due to a natural or man-made disaster.

If you caught riding your bike with third party bike insurance, you will be entitled to pay a fine of Rs. 2,000 and/or imprisonment for up to 3 months. While getting caught for the second time will make you pay Rs 4,000!

You can purchase Zuno comprehensive bike insurance in the following ways:

• By visiting the nearest branch.
• Through their official website online.
• By calling the toll-free number 1800-12000.

Yes, Zuno comprehensive bike insurance provides coverage for damages caused to the insured bike due to earthquake or any other natural calamities.

Zuno comprehensive bike insurance provides different add-on covers to its policyholders which they can choose under the comprehensive bike insurance plan such as Depreciation Protect, Invoice Value Protect, Pillion Protect, Consumable Expenses Protect, and so on.

A comprehensive bike insurance policy is certainly more expensive when compared to third party policy due to its extensive range of coverage and benefits. It covers most of the financial and legal liabilities of an insured person while a third party covers damage sustained by the third party only.

You can get cashless repair and replacement service by taking your bike to more than 1500 network garages of Zuno General Insurance across India.

Yes, you can make payment through the online mode while buying Zuno insurance. The payment can be made through a debit card, credit card, online banking, digital wallets, etc.

In case of an accident you must get first aid and then register for the event at the nearest police station. After that, you should intimate your insurance company about the event to register a claim.

Zuno General Insurance Company gives the decision on the approval of claim requests within 7 working days from the receipt of all documents.

You can connect with Zuno customer care by calling their customer care team at their toll-free number 1800-12000 or visit their website to get online claim assistance. If you have a branch nearby, you can also visit there during office hours.

You can avail this zero-depreciation add-on cover offered by Zuno General Insurance for your bike only if its age is not more than 7 years.

Zuno General Insurance allows its customers to make 2 claims during the policy period.

The zero depreciation add-on cover allows the policyholder to claim the original value of their bike without any deduction for depreciation. The amount depends on the Insured Declared Value (IDV) which is finalised at the time of policy purchase or during the renewal.

The Zuno zero depreciation add-on cover will not provide coverage for the total damage of the insured bikes. The case of a total loss is also excluded from this add-on coverage.

The zero depreciation add-on cover can be bought only along with a standalone own-damage bike insurance policy or a comprehensive bike insurance policy.

When you buy a bike insurance policy to secure your two-wheeler, the insurance company provides you with its document where the expiry date of the policy is mentioned. You are required to renew your plan before the expiry date. However, if you fail to renew your plan before its expiry date, you can also renew your policy within the grace period of 90 days from the expiry date.

If the bike insurance policy is not renewed even after 90 days of its expiry, you will have to face the consequences like the loss of No Claim Bonus, you will be penalised for riding a bike without a valid insurance policy and you will have to buy a new policy.

Yes, you can expand the coverage of your policy during renewal by opting for add-on covers provided by your insurance company. However, to avail the add-on covers, you will have to pay an extra premium.

Yes, you can transfer your No Claim Bonus (NCB )benefit from any general insurance company to Zuno General Insurance when you opt for another bike insurance policy of another insurance company. Zuno General Insurance allows the policyholders of different insurers to provide them with the benefits which they have earned if a timely and valid transfer is made.

Yes, if you do not hold the policy number with you, still, you can renew your policy by entering the registered mobile number or e-mail address in the renewal section at the website of Zuno General Insurance. On entering your number, the policy details will appear which you can confirm and continue to renew your bike insurance policy.