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Zuno Two-Wheeler Insurance Features
Own Damage Bike Insurance
Covers the loss or damage to your bike due to accidents, collisions, natural and manmade disasters.
Third Party Bike Insurance
Covers loss or damage to another person (injury and death) and their property.
Personal Accident Cover for Two-Wheeler Insurance
Compensates the owner-driver and co-passengers for injury/death due to an accident involving the insured vehicle. For this cover, a small extra premium is payable.
Add-ons for Bike Insurance
Multiple Add-ons are available to help you customise your policy to suit your needs.
How to Claim Your Zuno Bike Insurance
Met with an accident? Call us on 1800 12000 Toll free or on our landline 022 423 12000 (charges apply)
We’ll need a few details, so you will want to keep your documents handy
What is Two-Wheeler Insurance (Bike Insurance)
Bike insurance, also called as two wheeler insurance policy in India, is a policy that protects you from financial loss if your bike is damaged by fire or natural disasters, or if it is stolen. Even if someone’s else’s property is damaged because of your bike, or if they are hurt, your policy covers the cost.
Who Should Buy a Two-Wheeler Insurance Policy?
Every customer who purchases a scooter / bike needs to have minimum third party two-wheeler insurance. The Motor Vehicles Act, 1988 says that it is compulsory for every two wheeler owner to have bike insurance in India. Don’t have a policy? Be careful, this invites a heavy penalty! You need to have at least a third party two-wheeler insurance policy so that any loss to another person – resulting from injuries, damage to property, death – is covered, and doesn’t have to be paid from your pocket.
Why Buy Zuno Bike Insurance?
Hey, we know you already know the answer to this one – riding a bike is fun, but it comes with its share of risks! An accident can of course injure someone or worse, but it can also cause a big financial loss. How can you protect yourself against such a loss? Buying a bike insurance online is a great way to start. Here are some great reasons to get covered: It’s compulsory as per the Motor Vehicles Act, 1988. For new bikes, 5-year third-party cover is required (Supreme Court order, 2018). Penalty for no insurance is ₹2,000 for first offence, ₹4,000 for repeat. A Two-wheeler insurance policy covers you against theft and damage to your bike due to accidents and natural or manmade disasters. In addition, it also pays compensation for loss or damage to another person (injury or death) or property. Personal accident cover for the owner and co-passengers is also available to ensure you have all-round protection
Zuno Two-Wheeler Insurance Plans – Options for Every Rider
Third Party Bike Insurance Plan
This is like the bobber of insurance policies. It offers the most basic cover that you need to legally ride your hog on the road. This two wheeler insurance policy will only cover damages caused to other individuals or their property.
Comprehensive Bike Insurance Plan
To cruise carefree on those lost highways, we strongly recommend opting for this cover. Apart from the basic third-party protection it offers, this bike insurance policy will also take care of any damages caused to the two-wheeler, as well as injuries sustained by the rider.
Standalone Own Damage Bike Insurance
Standalone Own Damage insurance is a policy that only covers your own bike’s damages or loss.
Zuno Bike Insurance Add-ons
Depreciation Protect for Bike Insurance
You will be reimbursed for the amount of depreciation deducted on the value of replaced parts.
Pillion Protect Add-on for Bike Insurance
A pillion-riding passenger will get compensation in case of injury or death while using the vehicle.
Emergency Medical Expenses Add-on
We will pay emergency medical expenses for treatment of injury/ies to you or any other rider, while the vehicle is being driven/used.
Invoice Value Protect for Two-Wheeler Insurance
If you are the first registered owner of a vehicle and have this Add-on, we will look after the charges of total loss, theft or constructive total loss of the vehicle. We will also take care of the Road Tax and RTO registration fee for the insured vehicle.
What’s Covered in Zuno Bike Insurance Plans?
When your insured bike gets into an accident or collision
Theft: Heaven forbid, but someone could steal your pride and joy.
- Damage due to Natural Disasters: Flood, cyclones and other forces of nature that are out of our control.
- Personal Accident: If you get injured in an accident, at least the expenses won’t hurt.
Third Party: If someone else suffers loss or damage because of your vehicle (property damage, personal injury or death).
Exclusions in Zuno Bike Insurance Policy
Any claims that arise out of a contract entered into with a third party
- Damage or loss caused when the two-wheeler is used illegally
Any claims that arise out of damage caused by war and other war-like situations
Why Choose Zuno Bike Insurance?
Comprehensive Coverage with Add-ons
You can customise your policy and enhance your cover by choosing Add-Ons as per your needs.
Access to Zuno’s Cashless Garage Network
Our network is spread across the country to ensure you are never far from one when you need it.
Fast and Easy Bike Insurance Claim Settlement
Our hassle-free process with minimal documents makes settling your claim quick and easy.
Understanding Common Bike Insurance Terms
IDV (Insured Declared Value)
NCB (No Claim Bonus)
Depreciation
Why Buy Bike Insurance Online?
You can buy an online policy in minutes. Just enter your vehicle details and personal details. Once the payment is done, we issue the policy instantly.
Online assistance is available to guide you in case you need help.
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Zuno Bike Insurance FAQs
What is the IDV of My Bike Insurance Policy?
Your two wheeler’s Insured Declared Value refers to the maximum Sum Assured. This amount will be fixed at the beginning of the policy term after checking your bike.
How Long Does Zuno Bike Insurance Coverage Last?
Typically, your bike insurance policy will be valid for one year. However, there are cases in which you can purchase insurance for up to 3 years at a time. You’ll need to check your policy to understand when it expires.
Are there any Situations Where Zuno Bike Insurance Doesn’t Apply?
This will largely depend on the kind of policy and add-ons you’ve selected. Generally, your bike insurance policy will not cover situations in which the two-wheeler is being used illegally, or for damages caused by war, war-like situations, or wear and tear of various parts. To find out if there’s anything we won’t cover, you can check your Policy Schedule.
Can I Transfer My NCB to Zuno Bike Insurance?
Absolutely! We’re happy to have you on board, and as long as you renew your bike insurance policy in the 90 days before it expires, you’ll continue receiving the NCB.
How do I know if my preferred garage is a cashless one?
We have a wide network of cashless garages across the country, so you’ll never be too far away from one. To find where these garages are located, click here.
What Happens if I Lose My Bike Insurance Documents?
This is something that you won’t have to worry about. If you happen to misplace your bike insurance policy documents, you can let us know and we’ll send you duplicates. Plus, you should have a soft copy on your e-mail, so we’ll always have your back.
Will Zuno Send an Inspector for Bike Damage Claims?
Yes, we’ll send a surveyor to check out the damage done to your bike after you’ve made a claim.
How Long Does It Take for Zuno Bike Insurance Claims to Settle?
Once we have all the documents in place, not very long at all. Ideally, we’ll have everything done within just 7 working days.
What Types of Bike Insurance Are Available?
Zuno offers three main types of bike insurance:
- Third-Party Only: Covers legal liabilities for damages or injuries caused to others.
- Comprehensive (Package) Policy: Protects both your own bike and third-party liabilities.
- Standalone Own Damage: Covers accidental or fire damage to your bike but excludes third-party liability.
Choose the plan that best suits your needs.
How Is My Bike Insurance Premium Calculated?
Your bike insurance premium depends on factors such as your bike’s Insured Declared Value (IDV), the type of policy you select, any add-on covers, and your registration location.
Opting for only the coverage you need and maintaining your bike well ensures you pay a fair, personalized premium.
What Is the No Claim Bonus (NCB) and How Can I Benefit from It?
The No Claim Bonus (NCB) is a discount you earn for not making any claims during a policy year. Each claim-free year increases your NCB, helping you save more on your renewal premium.
Ride safely and avoid claims to maximize your benefits.
Can I Renew My Bike Insurance Online?
Yes, Zuno allows you to renew your bike insurance policy online in just a few steps. Simply enter your bike details, review your policy, and make a secure payment.
The process is quick, paperless, and gives you instant coverage.
How Does Comprehensive Bike Insurance Differ from Third-Party Insurance?
Comprehensive bike insurance covers your own bike against accidents, theft, fire, and natural disasters, in addition to third-party liabilities.
Third-party insurance, which is legally mandatory, only covers damages or injuries to others and not your own bike.
Comprehensive insurance offers broader and more complete protection.