Zuno General Insurance has become India's first insurer to integrate 'PHYD' (Pay-How-You-Drive) as a standard feature in motor insurance.

Banking & Finance

In March 2025, Zuno General Insurance Limited (formerly Edelweiss General Insurance), based in Mumbai (Maharashtra), launched 'Zuno SmartDrive,' making Pay-How-You-Drive (PHYD) a standard feature in its motor insurance policies.


      - This makes Zuno the first insurer in India to include mobile telematics in car insurance policies at no extra cost. This shift moves from the traditional fixed pricing model to behavior-based premiums.

      - The PHYD system uses mobile telematics to track driving patterns, such as speed, braking habits, and distraction levels. Previously offered as an add-on, PHYD is now automatically included in all new and renewed policies.

      - Policyholders can check their driving scores through the Zuno app, which gives real-time feedback and tips for improving driving behavior.

Main Point :-   (i) Zuno General Insurance’s ‘PHYD’ model offers personalized premiums, allowing safe drivers to reduce their insurance costs based on actual driving performance. This approach ensures that responsible driving is rewarded with lower premiums, making motor insurance fairer and more transparent.

      (ii) Additionally, policyholders can benefit from a rewards system that grants weekly and monthly incentives. They can also participate in a leaderboard within the app, fostering healthy competition among drivers while encouraging safer driving habits.

(iii) Zuno’s innovative approach enhances cost control by allowing drivers to influence their premiums through better driving behavior. By moving away from traditional fixed pricing models, this data-driven system aligns with global trends in motor insurance, leveraging technology for more accurate risk assessment and fairer premium structures.

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