Lower your premiums with every smooth drive – Meet Zuno SmartDrive

Zuno SmartDrive Motor Policy is a first-of-its-kind car insurance policy in India from Zuno Insurance with innovative embedded mobile telematics. Now, save more on your car insurance just by driving safely. Customised car insurance gets even more personal, and driving data will drive policy premiums.

Unique features and benefits of Zuno SmartDrive motor policy

Get comprehensive and complete protection with the following features:

1. Default Pay How You Drive cover: Customise your policy premium based on your driving habits. Get rewards for following the safe driving rules. Embedded telematics can automatically monitor driving parameters like speed, braking, and more to arrive at a driving score. Your policy renewal premium will then be determined based on this score.

2. Cashless services: Get cashless vehicle repair services through a large network of authorised garages. Skip the paperwork and get immediate services.

3. Add-ons: Customise your motor insurance as much as you want with optional add-ons and riders. Your premium varies based on the add-ons you choose.

4. Instant assistance: For immediate assistance and hassle-free claim initiation, use the toll-free number to call anytime.

5. Reliable claim inspection: As soon as you make a call, a trustworthy surveyor will visit you on the spot in a prompt manner to give a fair survey of damages.

6. Prompt response: Forget about waiting several days to know whether your claim is approved. Zuno gives you decisions on claim approvals within 7 working days of receiving the documents.

7. Discounts and entitlements: Zuno offers specific discounts depending on your driving status and history. For every claim-free year, you can get the No Claim Bonus. Those who add voluntary deductibles to their plan get an additional discount. Are you an active member of a recognised Automobile Association of India? Grab an additional discount. More discounts are available if you protect your car with an anti-theft device.

Extensive policy coverage

The comprehensive SmartDrive Motor Policy covers the following:

Damage or loss of insured vehicle due to fire, lightning, self, ignition, theft, housebreaking, riot, strike, earthquake, flood, hurricane, typhoon, storm, cyclone, malicious act, or accident.
Bodily injury or death to any person, including those travelling inside the vehicle, where you are legally liable to pay.
For the owner-driver, compensation for bodily injuries or death related to the insured vehicle is subject to a limit of Rs. 2 Lakh.

Apart from these covers, you can get the following coverage at an additional cost:

For electrical or non-electrical accessories in your vehicle
To expand coverage to geographies such as Bhutan, Bangladesh, Nepal, Pakistan, Maldives, and Sri Lanka.
Personal accident coverage for occupants in your vehicle, submit to a maximum cap of Rs. 2 Lakh.
Compensation for paid drivers and employees travelling in your car when you are legally liable.

Pay How You Drive cover – What's special about it?

The make, brand, model, and mileage are the most common parameters used to determine car insurance premiums. With Zuno's SmartMotor Drive Policy premium, you can now be rewarded for good driving behaviour during your renewal. Once you buy the policy and download the Zuno app, you must first register your mobile number. Then, you are ready to get rewarded for smart driving. The embedded telematics in the app will track and monitor your driving to create a driving score. The higher the score, the better your benefits and rewards will be.

In other words, safe drivers can earn discounts on their premiums. The better you drive, the less you pay. It's that simple!

Commenting on the new Zuno SmartDrive Motor Cover Policy, Shanai Ghosh, MD and CEO, said, " With Zuno SmartDrive, we're not only reimagining insurance but also promoting safer driving practices by incentivising safe driving behaviour. For us, this isn't just insurance; it's a commitment to innovation, transparency, and a safer tomorrow."

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Who can buy the Zuno SmartDrive motor policy?

Do you own a car and want to reduce your premium? You can buy the SmartDrive Motor Policy.

You don't have to be tech-savvy to get the policy benefits. All you need to do is download the app and sign up with your mobile number. The embedded telematics will automatically calculate the Zuno Driving Quotient (ZDQ), which will eventually determine your new premium at the time of renewal.

How to drive to lower insurance premium?

The Zuno app computes scores based on the following driving behaviours:

a. Rapid Acceleration: Keep up a good score with gentle acceleration and steady speed.

b. Speeding: Always adhere to the speed limits even though the highways can be inviting to push the accelerator.

c. Braking: Soft braking brings your car to a rolling halt and scores your driving points.

d. Quick Corners: Smooth turns around the corners is another way to improve your score.

e. Driving Distractions: Not using your mobile phone while driving is an important safety aspect, and you will get rewarded for it.

Takeaway

Why pay higher insurance premiums when you can get rewards for safe and efficient driving? Zuno's SmartDrive Motor Policy is a great choice for car owners prioritising safety. Further, such a policy reinforces safe driving habits in everyone. It increases overall road safety, making Indian roads safer for everyone using it.

Buy Zuno SmartDrive Motor Policy Now or port your existing car insurance to Zuno to get these benefits. Drive safe and pay low premiums in the subsequent years!

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Disclaimer

Zuno General Insurance Limited does not assume any liability for actions taken based on the information contained in this blog. All insurance products and services are subject to the terms and conditions of the specific policy. Coverage and pricing may vary based on individual circumstances and eligibility.