Zuno Car Insurance Add on Covers

Zuno offers enhanced coverage by providing a wide range of additional covers over the base car insurance policy. You can choose from a variety of add-on covers based on your specific needs. A regular comprehensive car insurance policy may not offer coverage against depreciation, protection against tyre damage, and stuff alike. These Zuno car insurance add-on covers come with an additional premium that you need to pay along with the one for a base vehicle insurance policy. Let’s check the add-on covers available for Edelweiss car insurance policyholders.

Zuno – 9 Important Add-on Covers for Your Car Insurance Policy

Along with its comprehensive car insurance plan, Zuno General Insurance offers a multitude of add-on covers. Let us take a quick look at each of them.

• Depreciation Protect

The ‘depreciation protect cover’, also known as the zero depreciation add-on, exempts the policyholders’ liability for depreciation. As a consequence, Zuno car insurance policyholders get increased claim amounts. This add-on cover is readily accessible for cars less than seven years old, with a policy tenure allowing for only two claims. It is recommended that the damaged car be fixed in a permitted garage in order to reap the full benefits of this coverage. This is due to the fact that the organization deducts 10% of the claim amount if the car is serviced in a garage not approved by Zuno or the OEMs.

• Engine Protect

The basic package policy does not cover electrical/mechanical wear and tear. The engine protect add-on, on the other hand, will cover this. It covers any damage caused by water ingress or oil perils in the motor or gearbox. You can file only one claim for it during the policy period. The greatest feature is that the company also covers the worker's wages for repairing/replacing the coated parts.

• No Claim Bonus Protect

The NCB protect add-on cover, as the title implies, allows you to keep your existing NCB discount if you have not claimed for one or more years of your policy. Also, there should not be a claim for own damage in the preceding year. In the current year, only one own damage claim is allowed. What’s more, the policy must get renewed within 90 days of the policy expiration date if you don’t do the said date..

• Invoice Value Protect

In exchange for the payment of an added cost, Zuno will pay the full registered showroom valuation of the car, regardless of the IDV stated in the policy document. The coverage applies in the event of a constructive total loss, total failure, and vehicle theft. The policy only applies to vehicles under the age of three years.

• Key and Lock Protect:

If you have this Zuno car insurance add-on cover, you will be reimbursed for the purchase/repair of a new key/lock if the established one is lost/damaged. To receive this coverage, the insured person must file an FIR within 48 hours of the event.

• Consumable Expenses Protect

It is one of the most important Zuno car insurance add-on covers. According to this add-on cover, if the car sustains damage in an accident/or another cause specified in the policy, Zuno will reimburse the cost of repairing/replacing damaged items. AC refrigerant, AC gas oil, Engine oil,  gearbox oil, brake oil, power steering oil battery electrolyte,  windshield washer fluid, coolant, radiator coolant, nut & bolt, screw, oil filter, fuel filter, bearings, washers, and so on are some of the consumables covered by the add-on coverage.

• Mandatory Deduction Protect

Purchasing this Zuno car insurance add-on cover will get you compensated for policy's mandatory deductibles. For the cost of bearing the mandatory deductibles during claim settlement or as otherwise mentioned in the policy, Zuno will reimburse the policyholder. Cars aged below five years can be protected by this add-on, which can be availed of only one accident during the policy term.

• Personal Belonging Protect

If the policyholder or a family member of the policyholder faces loss or damage to their personal belongings as a consequence of insured events or circumstances, Zuno will pay for the same. Laptop/tablet/mobile phone compensation is only available in the event of theft from a locked insured car. However, it should be noted that items related to business and trade will not be compensated for and claims not filed within 7 days of the accident won’t also be entertained. The insurer will provide coverage for such losses during the policy tenure, up to a maximum of INR 1,00,000. Each claim under this add-on cover will cost beneficiaries INR 250.

• Roadside Assistance

Zuno will provide roadside assistance in the event of a breakdown in exchange for an additional premium.

1. Vehicle mechanical and electrical failure on a public road.
2. Immobilization as a result of an accident or a traffic mishap.
3. Dead battery.
4. Flat tire.
5. Locked-in, misplaced, or lost vehicle keys.
6. Incorrect/contaminated or insufficient fuel, resulting in vehicle immobilization.