Types of Zuno Two-Wheeler Insurance

• Zuno two-wheeler insurance can be customized to meet your needs. You can choose a comprehensive cover for full protection, or select separate covers for own damage and third-party liability.Comprehensive Cover A comprehensive insurance policy gives you full protection for both your bike and yourself. It automatically covers:Third-party liabilitiesDamage to your own bikeInjuries or death to the owner and pillion rider with personal accident coverTheft or burglaryNatural disasters like earthquakes, floods, cyclones, storms, etc.Riots or terrorist activitiesDamage during transport by road, air, water, or liftThird-Party Liability Coverage This cover is required by law and must be bought by every bike owner. It is a basic insurance policy that covers damage or injury to others in case of:Injury to a personDamage to property or another vehicleDisabilityDeath from an accident, natural disaster, or theft involving your bikeStandalone Own Damage Cover This cover protects you from losing money or damage caused by:An accident or crashNatural disasters like floodsTheft

Add-on Covers in Zuno Bike Insurance

• Zuno offers extra options, called add-ons, that give you more protection with your bike insurance.Zero Depreciation Cover The Zero Depreciation Cover helps you get the full amount for repairs when you make a claim. Normally, the insurance company reduces the amount because of the age of your bike parts (called depreciation). But with this cover, you do not lose any money because of the bike parts' age. You get the full amount to repair or replace your bike parts, which helps you save money.Engine Protect Cover The Engine Protect Cover helps if your bike’s engine gets damaged. Sometimes, water can get into the engine during floods or heavy rain, or oil leaks can cause damage. This cover helps pay for repairs if such things happen. Normally, engine damage isn't covered by basic bike insurance, but with this add-on, you get extra protection.Roadside Assistance Roadside Assistance helps when you are in an emergency. If your bike breaks down or you get a flat tyre, you can call for help. This service can assist with small repairs, provide fuel, or even tow your bike to the nearest garage. It makes sure you don’t stay stuck on the road and helps you quickly solve problems.Personal Accident Cover for Pillion Rider Personal Accident Cover for the Pillion Rider is important if you often carry a passenger on your bike. If the person riding behind you gets hurt or dies in an accident, this cover provides financial protection. It helps pay for medical treatment, injury, or death. This cover ensures that both the rider and the pillion rider are protected.Consumables Cover The Consumables Cover helps pay for small parts like engine oil, nuts, bolts, and lubricants, which are often needed during bike repairs. These small items are not usually covered in regular insurance, but with this add-on, their cost is included in your coverage. This helps reduce repair costs and ensures all parts of your bike are taken care of.

Inclusions and Exclusions of Zuno Bike Insurance

It is important to know what Zuno Bike Insurance covers and what it does not. This will help you choose the right plan for your bike.

• What Does Zuno Bike Insurance Cover? (Inclusions)

  Accidental Damage Pays for repairs if your bike is damaged in an accident.Theft of the Bike Gives you money if your bike gets stolen.Fire Damage Covers damage caused by fire, explosion, or if your bike catches fire on its own.Natural Disasters Protects against damage from floods, earthquakes, storms, and other natural disasters.Man-made Disasters Covers damage from riots, strikes, vandalism, or harmful actions caused by people.Third-party Liabilities Pays for injuries, death, or damage caused to someone else or their property.Personal Accident Cover Covers accidents for the bike owner (the rider), as required by law.Add-on Benefits (if chosen) Extra protection like zero depreciation or roadside help, if you choose to add them.

• What Doesn’t Zuno Bike Insurance Cover? (Exclusions)

  Regular Wear and Tear Does not cover normal wear, tyre damage, or things like routine maintenance.Mechanical or Electrical Breakdown If your bike breaks down due to internal problems, it's not covered unless you add extra coverage.Drunk or Illegal Riding No coverage if the rider is drunk or riding illegally.Driving Without a Valid License If the rider doesn’t have a valid driving license, the insurance would not pay for any claims.Use Outside Policy Terms No coverage if the bike is used for business purposes when it is only insured for personal use.War or Nuclear Risks Losses due to war, rebellion, or nuclear risks are not covered.Consequential Loss If there are indirect losses after an event, they will not be paid.

Documents Needed to Buy Zuno Bike Insurance

• To buy Zuno Bike Insurance, you need these documents:Bike Registration Certificate (RC) Shows that your bike is registered.Valid Driving License A driving license that is not expired.Aadhaar Card or PAN Card Used to prove your identity.Bike Engine or Chassis Number Helps identify your bike.Previous Insurance Policy Details Only needed if you are renewing your bike insurance.

How to Buy Zuno Bike Insurance from Square Insurance?

• Step 1: Go to the Square Insurance website: www.squareinsurance.inStep 2: Click on “Bike Insurance” under Insurance Products.Step 3: If your bike is new, click on “Got a New Two-Wheeler.”Step 4: If your bike is old, enter your bike's registration number and click “View Plans.”Step 5: Fill in simple details like RTO, bike brand, model, variant, and registration year.Step 6: You will see different insurance plans. Compare them and pick the Zuno bike insurance plan.Step 7: Pay online for the plan you choose. Once paid, the policy will be sent to your email.