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Zuno SmartDrive Motor Policy: Made to keep our roads safe, and to help you save!

Regular Motor Insurance

You pay a fixed premium based on factors like age, location, and vehicle type, regardless of how you actually drive.
Insurance companies use broad statistics and past data to figure out risk, and charge premiums that may not reflect your individual driving behavior.
Drivers don't receive feedback on their driving habits, don’t get feedback to improve, and safe driving doesn't necessarily lead to lower premiums.

Zuno SmartDrive Motor Insurance

Premiums are calculated based on real-time driving behavior, such as speed, braking, and focused driving. Safer driving can earn you a discount on your renewal premium.
The policy uses telematics data from the Zuno App on your phone to figure out how you drive. This translates into a Driving Score, which results in a more personalized premium.
You often get feedback and tips on how to drive better, helping you to lower the premium.

In short, regular motor insurance offers a one-size-fits-all approach, while Zuno SmartDrive motor insurance is personalized and data-driven, and rewards safe driving with cost savings.

In addition to our Pay How You Drive feature that makes this possible, Zuno SmartDrive has all the benefits and features you would expect from great motor insurance

Amazing Features of Zuno Car Insurance Policy

Experience the remarkable features of Zuno Car Insurance! With our cover, you can enjoy peace of mind and financial security in various situations. Choose Zuno Car Insurance and unlock exceptional benefits that put you first.

Own Damage Cover

One of the key features is the Own Damage Cover, which covers your car against accidents, collisions and natural disasters.

Third Party Insurance

This plan covers third-party losses, including injuries and property damage. If an accident happens, our policy ensures that the affected third party is compensated. Drive with confidence, knowing that both your interests and the well-being of others are protected with Zuno Car Insurance.

Personal accident Cover

For added protection, we offer Personal Accident Cover that compensates the driver and co-passengers in case of injuries or death after an accident in the insured vehicle. This cover costs only a small extra amount.

10 customisable Add-Ons for extra cover

That’s just the start! Our policy allows you to customize your policy with 10 Add-Ons to suit your specific needs. These Add-Ons provide additional financial security and minimize potential loss.

No Claim Bonus up to 50%

By driving safely and keeping a claims-free record, you get a No Claim Bonus, in the form of discounts from 20% to 50% on your premium. Responsible driving and loyalty deserve a reward!

A network of 3,300+ cashless garages

Thanks to our huge network of cashless garages, help is readily available nationwide. In case of any issues, you can access our network for hassle-free repairs and services.

Benefits of Zuno SmartDrive Motor Insurance Policy

Premiums based on actual driving habits

Rewards for responsible driver behavior

Lets you cut down the cost of insurance

More awareness of better driving, leading to safer roads

How to Claim Your Car Insurance with us in Simple Steps

Step 1

Had an accident? Call us on our Toll Free 1800 12000 or paid landline 022 423 12000

Step 2

We’ll need a few details, so you’ll need to keep your documents handy

Step 3

Sit back and relax while we settle your claim

Step 4

Already moved your car to the workshop? That's perfectly ok! Simply call us and we'll guide you with your claim 3,300+ Preferred workshops across the country

Terms and Conditions For Zuno Car Insurance Policy

You can save on the premium at the time of renewal only if you have installed the Zuno App, and a valid Driving Score has been calculated.
Of course, the Pay How You Drive benefits under the Zuno SmartDrive motor policy apply only if you renew with us.
Savings on renewal will apply only if the total Driving Score is above 7 (the maximum you can score is 10). So aim high!

How Zuno SmartDrive Motor Policy Works

Once you buy a Zuno SmartDrive policy, you have to install our Zuno App and register with the same mobile number as given in the policy.

You’ll get an SMS and Email with all the details.

Now, you have to keep your phone on while driving so that all your trips are recorded. There will be an easy-to-understand dashboard that you can view at any time.

At the end of the policy period, based on the total Driving Score, you can earn a discount on the renewal premium.

Higher the driving score, lower the premium!

What does ‘driving behaviour’ actually mean?

To calculate your Driving Score, the app monitors:

Speed

Braking control

Fast cornering

Distracted driving

Rough acceleration

What is Car Insurance?

Car insurance, also known as 4-wheeler insurance or four-wheeler insurance, is something you can’t do without if you own a car. It protects you against expenses in case of fire, theft, natural disasters, as well as damage to another person's property caused by your car. When you decide to buy car insurance online, you can conveniently choose from a wide range of four-wheeler insurance plans available online. These plans include Third Party insurance, Stand Alone Damage cover, and Comprehensive Policies, each with unique car insurance coverage benefits. Keep your individual needs in mind, and you will find a car insurance policy online that’s just perfect at giving you comprehensive car insurance coverage. Whether it’s to abide by the law or to get maximum cover, the sheer variety of options ensures that there is an ideal car insurance solution for you. With the right car insurance policy in place, you can enjoy peace of mind knowing that you are financially protected in case of unexpected events.

Who should buy Car Insurance Policy?

Car insurance is a necessity for every car owner in India, as per the Motor Vehicles Act of 1988. It is not only a legal requirement, but also essential protection for yourself and others. Car insurance provides you with peace of mind even in situations such as accidents, collisions, etc. At the very least, having a Third-Party car insurance policy ensures that any loss or damage suffered by another person due to your car can be paid for without stress. With comprehensive car insurance coverage, you protect yourself, too. Ideally, you should get a car insurance policy online that not only ticks off legal requirements, but also offers complete cover, based on your own needs.

Why Buy a Car Insurance Policy

Purchasing car insurance online is not only compulsory in India, but also a wise decision. Apart from fulfilling legal requirements, a car insurance policy offers invaluable protection and financial security.

Car insurance is essential because it allows you to pay for any damage or loss to your vehicle. Moreover, car insurance provides compensation for any loss or damage caused to another person, including injury, death, or property damage. By having car insurance, you fulfil your responsibility towards others and their well-being. In addition, car insurance often includes personal accident cover for the vehicle’s owner and co-passengers. When you buy car insurance online in India, you get peace of mind. You drive with confidence and enjoy financial security. Car insurance is not just a legal must-do; it is a sensible and responsible decision that safeguards your interests.

So, don't wait any longer! Buy your car insurance policy online today and enjoy the benefits of comprehensive cover from by Zuno Car Insurance. #ZunoAndChill

Car Insurance Plans from Zuno

Third Party Car Insurance Only

Your must-have car insurance, without which you shouldn't be driving at all. With this, other people are covered in an accident, and so are their vehicles and property. Damage to your car, is not covered.

Package/Comprehensive Car Insurance

If you really want to chill and cruise, this is the car insurance policy you want. It covers injuries to you, damage to your car AND damage to others and their property (that's more like it!)

Standalone Own Damage

Standalone own-damage car insurance is a policy that specifically covers you against damage or loss to your own car. Any third-party damage won’t be covered under this policy.

Car Insurance Add-ons – more is always better.

Pay How You Drive

Get a discount on your Renewal Policy premium based on your Driving Score on our App.

Depreciation Protection

You will be reimbursed for the amount of depreciation deducted on the value of replaced parts.

NCB Protection

As long as you do not make more than one Own Damage claim in a year, your NCB will be restored.

Engine Protection

Water damage may wreck your car, but with this Add-on it won't ruin your finances. We'll look after the cost of replacing and repairing internal engine parts, the gear box, crankshaft and piston. We'll also look after the labour costs, as long as you avoid driving through water-logged areas.

What is covered in Zuno Car insurance?

Accidental damage
Theft
Damage due to natural disasters
Personal Accident cover for you and your co-passengers
Loss or damage to a third person because of your car

What is not covered in Zuno Car insurance?

Accidents that happen outside India.
Claims that may come up due to any contract that you may have entered into, with any third party. For example, if you enter into a contract to pay someone compensation in case of an accident.
Your car being used/driven illegally. For example, claiming for an accident of a stolen car, or a car being driven by a person without a valid licence.
Any other loss or damage that happens because of car accidents. For instance, if your damaged vehicle is left unattended and some vehicle parts get stolen, these stolen parts are not covered.
Loss or damage caused due to situations like riots, enemy strikes, other warlike incidents etc.
If your vehicle is used for any purpose other than personal use; such as motor trade, hiring or reward, carrying goods for commercial purposes, organised racing, pacemaking, speed testing, reliability trials, etc
*Please read the car insurance policy documents for more information*

Why buy from Zuno? There are many reasons!

Get easy access to 3,300+ cashless garages.

Our cashless garage network is spread across the country to ensure you are never far from one when there’s a problem.

We settle claims quickly.

We turn things around quickly, with minimal documents.

Enjoy extra cover with Add-Ons.

Customise your policy and strengthen your cover by choosing Add-Ons as per your needs.

Seamless and hassle-free purchase online

Just enter a few details, and don’t face the hassle of submitting documents, either.

Cashless repairs

Our huge network of cashless garages ensures that you do not have to pay anything out of your pocket after a claim (except for some charges as per policy Terms and Conditions).

Customized IDV of your car

You can customise your Insured Declared Value (Sum Insured) as per your needs, within the range specified on our website.

An affordable car Insurance premium

The money saved by not paying Agent commissions is passed on to you in form of lower premiums.

Common insurance jargon simplified

IDV (Insured Declared Value)

This is the maximum Sum Assured on your policy. This gets fixed at the start of your policy, and is the maximum amount that can be paid for a claim.

NCB (No Claim Bonus)

That’s what they call the discount you get on your renewal premium, if you haven’t claimed in the past year. For the first claim-free year, you can get a 20% discount. It can go up to 50% if you don’t claim for 5 years in a row.

Depreciation

The steady decrease in the value of your vehicle over the years. When you buy a policy, your vehicle’s value is figured out based on its depreciation. Older the vehicle, higher the depreciation.

Why buy Car Insurance Policy online? It’s the smart way!

Car insurance in India is a must-have to protect your vehicle against the financial loss you may face due to accidental damage or third party liability. Buying car insurance policy online is filled with benefits like:

Quick

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.

Paperless

You don’t need to submit any documents to buy a policy online.

Easy to compare

Compare multiple plans at one go and make an informed choice. You can even compare the same plan from different insurance companies.

Lower premiums

Since you don’t have to go through an agent, the company doesn’t have to pay a commission. This saving is passed on to you.

Online help

Online assistance is available to guide you in case you need help.

Explore More

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Third Party Car Insurance

Commercial Vehicle Insurance

Own Damage Car Insurance

Electric Car Insurance

New Car Insurance

How to get your PUC certificate online & offline

How to check and pay your E-Challan

IDV Calculator in Car Insurance

Zero Depreciation Cover

Roadside Assistance Cover

Car Insurance FAQ’s

What factors influence my car insurance premium?

Your Zuno car insurance premium is determined by your Smart Drive Score, which reflects your real-time driving behaviour through our telematics app.
Metrics like speed consistency, smooth braking, and overall safety feed into usage-based pricing so the smarter and safer you drive, the more you save on your premium.

How can I lower my car insurance costs without compromising coverage?

It’s simple - drive smart.
Maintain steady speeds, avoid harsh braking, and follow safe driving habits to improve your Smart Drive Score. Since Zuno bases your premium entirely on your driving behavior, better driving means better savings, all while keeping your full coverage intact.

Is it necessary to have comprehensive coverage?

Comprehensive coverage is optional but highly recommended.
While liability-only insurance covers damages to others, comprehensive plan protects your car against accidents, theft, weather damage, and other unexpected events offering complete peace of mind.

Does my credit score affect my car insurance rate?

No, your credit score has no impact on your Zuno car insurance premium.
We calculate rates purely based on your Smart Drive data and driving behavior, not your financial history. This ensures fair, transparent, and personalized pricing for every driver.

Can I transfer my car insurance policy to a new vehicle?

Yes, you can. If you’ve purchased a new car, simply reach out to our support team and they’ll guide you through the steps to transfer your existing Zuno policy to your new vehicle.
It’s quick, easy, and ensures your coverage continues seamlessly.

Is there anything specifically that my Car Insurance policy doesn’t cover?

This will depend on the kind of Car insurance policy you have decided to buy. The policy doesn’t cover the wear and tear of car parts, and damage caused to your vehicle due to war and nuclear risks. Don’t forget to check the inclusions and exclusions in your policy for the specifics.

What is the maximum car insurance NCB I can enjoy?

The highest NCB you can enjoy will be a 50% discount on your Own Damage car insurance premium. Of course, this is only applicable if you have not made a claim in the previous 5 years.

Can I transfer my car insurance NCB from my previous insurer?

For sure. You can continue to enjoy your NCB even if you have decided to change your insurer. Just remember to renew your car insurance policy before it lapses, or in the 90 days before it expires, otherwise you might not be able to avail the bonus.

How long will it take for my car insurance claim to be processed?

When it comes to settling claims, don’t worry, it’s full speed ahead. Once you submit all the necessary documents, we’ll settle the car insurance claim within 7 working days.

What happens if I lose my Car insurance policy documents?

Once you make the payment, you’ll get a soft copy sent straight to your e-mail. So, even if you do lose your physical copy, you’ll have one waiting in your inbox. If you need another hard copy, you can get in touch with us on Toll free - 1800 12000 / Paid landline - 022 423 12000 or mail us at support@hizuno.com and we’ll send one across right away.

Will a Surveyor come to check my car in case of a claim?

Yes, our Surveyor will come and check your car. Please keep your vehicle documents handy for inspection.

How do I find cashless garages in my area?

We’ve got a great network of garages, so you’ll always be close to a cashless garage. To see our complete list of garages, simply

How long will I be covered with my car insurance?

Your car insurance policy will cover you for a single year. The start and end date of your policy will be clearly marked on your policy documents, so don’t worry. And hey, once you buy a policy, we will send you a renewal reminder in advance so you don’t forget to renew it for the next year.

How long will the car insurance inspection take, and can I book a slot?

Yes, you can definitely book a time slot for inspection. As per our current process, it will be done on the same day or within 24 hours.

Where will my vehicle be inspected while buying car insurance, and do I have to pay for this checking?

The vehicle can either be inspected at your address registered with us, or a preferred location where either you or someone representing you is present with the vehicle and the key. As far as the cost of the inspection goes, you don’t have to pay for a first-time inspection - it will be taken care of by us.

What documents are to be shown to the Inspector for car insurance?

While we suggest that you should keep all the documents ready, only the vehicle’s Registration Certificate or RC is mandatory.