Taxi Insurance Online: Buy/Renew Taxi Car Insurance

What is Taxi Insurance Policy?

A passenger carrying 4-wheeler or taxi insurance policy is a type of commercial vehicle insurance covering 4-wheelers that carry passengers for hire or reward. This cover kicks in when there’s an accident, or damage due to a natural disaster. In addition to covering your vehicle, it also protects you against third party - personal and property – damage.

Who Should Buy Taxi Insurance Policy?

If you’re a taxi owner, you legally must have at least third-party insurance in India to do business. But of course, it’s always best to have comprehensive insurance (covering damage to your vehicle + third party liability). After all, a taxi will be more prone to accidents since it gets used more. Having a comprehensive commercial vehicle insurance coverage for your taxi will also ensure protection for the passengers travelling in your vehicle.

Features of Zuno Taxi Insurance

Own Damage Cover

Covers loss or damage to your cab/taxi due to any accident.

Third Party Cover

Covers your liability towards a third party (bodily injury and death) and their property.

Personal Accident Cover

For an extra premium, this cover compensates your driver and co-passengers in case of an injury/death due to an accident involving your taxi.

Extra Benefits with Add-ons

Choose from our many Add-Ons to get extra protection against any kind of loss.

Why You Should Buy Taxi Insurance Policy?

A Zuno Cab/Taxi Insurance policy gives you more than just the compulsory third-party cover. It offers complete protection for you and your vehicle, against the financial cost of replacing a lost vehicle or repairing a damaged one. You can also get cover against any injury to your passengers, for a reasonable extra premium. When you buy from Zuno, you get a policy that’s been thought of keeping all your needs in mind.

Plans Available under Zuno Taxi Insurance Policy

Third Party Taxi Insurance

This policy is compulsory by law. Under this cover, any liability towards a third party loss - personal and property - will be covered. Any loss or damage to your taxi is not covered.

Package/Comprehensive Taxi Insurance

This is the one you should be taking! In addition to third party damages, any damage or loss to your taxi will also be covered.

Useful Add-ons you can take with Zuno Taxi Insurance Policy

Depreciation Protect

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

NCB Protect

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

Invoice Value Protect

If you are the first registered owner of a vehicle and have this Add-on, we will look after the charges of total loss or 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.

Consumables Expenses Protect

This covers the cost of replacement or fixing of consumables such as engine oil, washers, AC gas oil, nuts and bolts, radiator coolant and other similar items (excluding fuel) of the insured vehicle if it is damaged due to covered risks in Section 1 of the policy.

What is Covered by Zuno Taxi Insurance Policy?

Loss or damage to your taxi due to any accident
Theft of your taxi
Damage due to disasters like floods, cyclones, storms and other Act of God risks
Damage due to riots or strikes
Personal Accident cover for your paid driver, for an extra premium
Your legal liability for the damage to a third party (bodily injury/death) or their property, by your vehicle
5 Add-ons to strengthen your cover

What is Not Covered in Taxi Insurance Policy by Zuno?

Consequential loss
Depreciation; wear and tear
Mechanical and electrical breakdown; failure or breakage
The vehicle being driven: - Outside the geographical area mentioned - Against the limitations of use - By a person other than the driver stated in the Driver’s clause - By a person without a valid license - By anyone under the influence of drugs or liquor
Loss or damage to accessories by Theft, Burglary or Housebreaking, unless the vehicle is stolen at the same time War and nuclear risks
*PLEASE READ THE INSURANCE POLICY DOCUMENTS FOR MORE INFORMATION.*

Why Zuno? We keep it simple!

We settle claims quickly.

We turn things around fast, without any hassles.

Enjoy extra cover with Add-Ons.

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

Minimum documents

Both while issuing your policy and settling your claim

How do I claim Zuno Taxi Insurance Policy?

Step 1

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

Step 2

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

Step 3

Sit back and relax while we settle your claim.

Step 4

Already moved your vehicle to the workshop? That's perfectly OK! Simply call us and we'll guide you with your claim.

Making sense of common insurance jargon

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.

How do I buy Zuno Taxi Insurance online?

Step 1

Enter your vehicle details and contact details in the above form

Step 2

Someone from our team will get in touch quickly

FAQs

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

The policy doesn’t cover the wear and tear of vehicle parts and damage caused to your vehicle due to war and nuclear perils. Don’t forget to check the inclusions and exclusions in your policy for the specifics.

What is the maximum NCB that I can avail of ?

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

How long will I be covered for?

Your Zuno Cab/Taxi 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 do I make a claim?

Simply call us on our Toll free number 1800 12000 or our Paid landline 022 423 12000, or email us at support@hizuno.com and we’ll guide you through everything.