The Business Bytes
THEBUSINESSBYTES BUREAU
MUMBAI, JUNE 13, 2025
In a landmark move redefining digital motor insurance in India, Zuno General Insurance has introduced the country’s first crash detection-enabled car insurance cover. The innovation — part of Zuno’s flagship Smart Drive offering — combines real-time mobile telematics with automated emergency response, setting a new benchmark in customer-focused insurance.
Powered by advanced technology integrated into the Zuno app, the crash detection feature instantly identifies accidents and autonomously alerts the insurer’s support team. This triggers real-time roadside assistance and initiates the claims process without requiring any customer action, significantly cutting response time during critical emergencies.
“With real-time crash detection, we’re taking a decisive leap forward — moving from reactive support to proactive safety,” said Shanai Ghosh, MD & CEO, Zuno General Insurance. “Zuno Smart Drive is more than a policy; it’s a partner that watches out for you, especially when seconds matter.”
The launch builds on the success of Zuno Smart Drive, already India’s first built-in Pay How You Drive insurance that rewards policyholders based on real-time driving behavior. By tracking speed, braking, and consistency, it encourages safer driving and offers discounts and rewards for maintaining high scores. The app-based solution requires no additional device and gives users complete transparency into how their driving habits impact their premiums and safety.
Zuno’s innovation comes at a time when road safety remains a pressing concern. As per the Ministry of Road Transport and Highways (MoRTH) report, India recorded 461,312 road accidents and over 168,000 fatalities in 2022 — an 11.9% rise from the previous year. The insurer believes that smart technologies like crash detection can play a vital role in strengthening emergency response and saving lives.
Positioning itself as a digital-first and empathetic insurer, Zuno General Insurance continues to blend innovation with customer care, transforming insurance from a reactive service into a proactive safety net.
