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Zuno Two Wheeler Insurance Add on Covers
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If you wish to financially protect your bike, scooter, or any two-wheeler in general in the event of an accident, a two-wheeler insurance policy is a useful tool. The Motor Vehicles Act of 1988 only requires you to carry third-party insurance for your two-wheeler, but comprehensive two-wheeler insurance will give you more coverage.
By paying a small additional cost, the Zuno bike insurance add-on covers provide additional coverage. This policy extension provides better protection for your two-wheeler at a lower cost. Depending on your needs and budget, you can incorporate these Zuno bike insurance add-on coverages in your bike insurance policy. Zuno General Insurance offers a variety of add-on coverage options that you can choose from when purchasing or renewing your policy.
Another significant advantage of having comprehensive two-wheeler insurance coverage is that you can supplement your standard policy and protect your two-wheeler from a variety of risks. This is possible since add-ons are available. Let's look at what Zuno bike insurance add-on covers are and how they can help you.
Zuno- Important Add-on Covers For Your Bike Insurance Policy
Below are some of the add-ons of Zuno bike insurance that policyholders can buy by paying some extra premium.
Depreciation Protect — With this Zuno bike insurance add-on protection, you can be reimbursed for the amount of depreciation that will eventually be removed by insurance at the time of claim settlement. This add-on benefit would not cover total loss, constructive total loss, or theft of the bike. If your bike is repaired at a garage that Zuno does not authorize, the first 10% of the claim amount will be removed. It is only valid for bikes under 5 years old and only for the first two claims made during the policy period.
Invoice Value Protect – In the event of total and constructive total loss or theft of your two-wheeler, you will be reimbursed the amount equal to the most recent available sales invoice from the manufacturer, including original customs duty or the replacement value of a new vehicle, whichever is less. Aside from that, you'll be covered for RTO registration fees and road taxes. However, you can only use this Zuno bike insurance add-on coverage once during the policy year.
Pillion Protect – This Zuno bike insurance add-on cover will provide you with compensation for bodily injury or death sustained by an unnamed hirer, driver, pillion caused by your two-wheeler.
Consumable Expenses Protect - This Zuno bike insurance add-on covers the cost of consumables that must be replaced or replenished during the repair of your damaged bike. Engine oil, brake oil, coolant, screw, nut & bolt, and goods of a similar kind are among the consumables included under this benefit, excluding fuel. This Zuno bike insurance add-on benefit, however, is only valid for the first two claims made during the insurance period.
Emergency Medical Expenses Protect – With this Zuno bike insurance add-on cover, you can get coverage for emergency medical costs incurred by you or any occupant of your bike as a result of bodily injuries sustained while mounting and dismounting from the bike, while driving or traveling on the bike, or as a result of a violent accident that required treatment in a hospital or nursing home. This benefit also covers ambulance costs up to 1% of the total sum covered or INR 1,000, whichever is lower.
Additional Third Party Property Damage Protect — With this Zuno bike insurance add-on insurance, you will be compensated for property damage that you own or that is held in your trust, custody, and control up to a certain maximum, provided that the damage is exclusively and directly caused by accident caused by your bike. You can purchase this add-on coverage by paying an additional premium in addition to your regular premium.
Add ons for your Two Wheeler Insurance
Zuno Bike/Two Wheeler Insurance Add on Cover FAQs
1. How many add-on covers are available on the website of the Zuno General Insurance?
Zuno General Insurance offers many add-on covers. Depreciation protect, pillion protect, invoice value protect, emergency medical expenses protect, consumable expenses protect, and additional third-party property damage protect are some of the Zuno bike insurance add-on covers offered by the company.
2. Why should I purchase additional Zuno bike insurance coverage?
The Zuno bike insurance add-on covers are designed to provide you with additional insurance coverage at a low cost. That’s why they are worth buying.
3. When will I be able to buy Zuno bike insurance add-on covers?
You can acquire an Zuno bike insurance add-on cover to increase the insurance coverage of your bike insurance policy either when purchasing the policy or when renewing the policy.
4. What is the additional cost of adding Zuno add-on covers to my order?
Each Zuno bike insurance add-on has a different cost; you have to check your desired add-on cover with Zuno for more information. A zero-depreciation policy, for example, would raise the premium by 15% to 20%.
5. Can I purchase Zuno add-on covers with mandatory third-party bike insurance?
No, your third-party bike insurance doesn’t allow you to buy add-on covers.
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