auto insurance review
ZUNO Car Insurance
“Why waste time say lot word, when few word do trick?”
Modernized private insurer option for buyers comparing digital service and value.
- Overall score 7.8/10
- Top fit: digital-buyers, renewals
- Compare plan-level pages before purchase.
Quick Facts
Headquarters
Mumbai, India
Official Website
hizuno.com ↗Score breakdown
Claim settlement statistics
We do not publish a claim settlement percentage for ZUNO Car Insurance unless we can source it. These figures are revised every year and are reported under several different definitions, so a number copied from a comparison site is often the wrong metric entirely. Check the primary source, then read our rating methodology for how we score claim performance ourselves.
Claim Settlement Ratio
Check latest motor claim disclosures before buying
High settlement indicates reliable payout.
Formula & sourceSolvency Ratio
Check latest solvency before buying
Measures capability to pay long-term claims.
Formula & sourceComplaints Ratio
Compare recent grievance and service reviews
Lower values indicate better customer support.
Formula & sourceIndustry benchmark
For FY2024-25, IRDAI reported that general and health insurers together settled roughly 87% of registered health claims, with about 8% repudiated and 5% still pending at year end. Treat that as the bar: an insurer materially below it deserves scrutiny, and any claim of near-perfect settlement deserves a second look at which metric is being quoted.
Three numbers that get confused
Claim settlement ratio
Claims settled as a share of claims registered. Count-based, so many small settled claims can flatter it.
Settled within 3 months
A speed measure, not a payout measure. Often quoted because it looks higher.
Incurred claim ratio
Claim amount paid against premium collected. A different thing entirely, and frequently mislabelled as settlement ratio.
When we publish a ratio we take it from IRDAI filings and average it over three financial years, never from insurer marketing. Where we have not verified a current figure we say so instead of printing a number. See our metric definitions and benchmarks for the formula behind each figure, or go straight to the primary sources: IRDAI annual reports and insurer public disclosures.
All plans
ZUNO Car Insurance
7.8/10Modernized private insurer option for buyers comparing digital service and value.
Quote-based
Editorial notes
Plain-English take
ZUNO is worth comparing when you want a digital-friendly insurer and the quote does not compromise IDV or key add-ons.
For car insurance, do not stop at the lowest premium. A slightly cheaper quote can become expensive if IDV is cut too low, zero depreciation has strict limits, or your preferred workshop is not cashless.
Pros and cons
Pros
- Modern brand positioning
- Good fit for digital quote comparisons
Cons
- Check garage access locally
- Brand transition may confuse some buyers
Who this is for
ZUNO Car Insurance Frequently Asked Questions
Is ZUNO Car Insurance good for car insurance?+
What should I compare before buying ZUNO Car Insurance car insurance?+
Editorial Team
FAQ
Should I shortlist ZUNO Car Insurance?
It can be, but shortlist it with at least two competitors and compare plan-level exclusions before buying.
Which ZUNO Car Insurance plan is top pick?
Use the plan cards above to review score, verdict, and segment fit before finalizing.
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