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A comprehensive car insurance policy protects both parties' damages and losses in the event of an accident. It extends full insurance coverage for the insured cars as well as third-party liability.
Various add-on covers, such as NCB cover, zero depreciation cover, etc., are available to enhance the coverage of comprehensive insurance. This type of car insurance, unlike a third-party-only policy, is not mandates by law, although it is strongly recommended.
Zuno comprehensive car insurance coverage is a car insurance policy that covers the vehicle owner completely.
| Feature | Comprehensive Car Insurance | Third Party Car Insurance |
| Coverage | Compensation for the damages to the insured cars as well as third-party liabilities such as physical injury or death and property damage to third parties. | It compensates the third party for bodily injury or death as well as third-party property damage. |
| Necessity | Optional to buy. | Mandatory to buy by law. |
| Add-on | It includes a variety of add-on coverages, such as zero depreciation, consumables coverage, and so on. You may select the add-on cover that best meets your needs. | Here, such add-on coverage is not accessible. |
| Cost | Because of the wide coverage, comprehensive policy is more expensive. | Because of their limited coverage, third-party policy is less expensive than complete policies. |
| Premium | The premium is determined by the city you drive in, the brand and model of your vehicle, and the optional features (if any). | The premium amount here is fixed by the IRDAI depending on your car cc. |
You may apply for Zuno comprehensive car insurance by following the steps below:
Step 1: Go to the Zuno website and choose a four-wheeler choice.
Step 2: Type your car's licence plate number into the 'switch to us' box. You'll also need to input information about your automobile.
Step 3: From the various alternatives available, compare and select the sort of policy you want.
Step 4: Complete the payment procedure for the chosen vehicle insurance policy.
The following are some of the items that are covered by an Zuno comprehensive car insurance policy:
If you have comprehensive car insurance, still there are several things that aren't covered by the policy:
Every policy offered by Zuno is described in full on the company's website. Purchasing a policy from the Zuno website is simple; all we must do is follow a few steps and we're done! The comprehensive policy includes all the features and perks that you are looking for your favourite vehicle.
No, it is not a necessary thing by Indian motor legislation. However, it is strongly encouraged to have one.
Comprehensive four-wheeler insurance is a policy that has a duration of one year from the date of purchase of the policy.
The maximum NCB available would be 50% of the own damage premium.
The add-on options available are zero depreciation, NCB, return to invoice, roadside assistance, etc.
You can easily renew your policy by paying for the same at the official website before expiration.