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Zuno General Insurance’s SmartDrive Campaign

Zuno General Insurance’s India’s First App-Based Car Insurance That Uses Telematics to Reward Safe Drivers

Zuno General Insurance has launched a fresh campaign called “Good Drivers Choose Zuno”. It puts the spotlight on their top product, Zuno SmartDrive. This is India’s first app-based car insurance that uses telematics to reward safe drivers with gifts and lower costs.

The campaign comes at a time when roads in India face big safety worries. Over 29,000 people lost their lives on national highways in the first half of 2025 alone. That is more than half of all such deaths from the year before. National highways make up just two per cent of roads but see over 30 per cent of fatal crashes. Safe driving matters now more than ever, as accidents keep rising with more cars on the road. Zuno’s plan taps into this need by tracking real habits like speed and braking through a phone app. No extra gadgets are needed.

Campaign Highlights

Three fun digital films lead the push. One shows aliens chilling on a sofa, another has a ghost who cares about seatbelts, and the third features a genie who tries to help but gets mixed up. These wild scenes make the point that getting rewards for good driving feels just as surprising as those odd moments. The ads flip old ideas about dull insurance into something lively and real.

Zuno General Insurance’s SmartDrive Campaign -Genie

Zuno General Insurance aims to honour everyday responsible acts behind the wheel. Telematics insurance like this is growing fast in India. The market could hit over 1,000 million dollars by 2033, with a sharp rise each year. Plans like pay-how-you-drive reward calm speed, smooth turns, and steady habits. Safe drivers save on bills while learning to get better.

Zuno Driving Quotient Challenge

Everyone can join the Zuno Driving Quotient or ZDQ challenge, even if not yet a customer. It is a free five-day test via the app. Drive as normal, get your personal score, and unlock deals like vouchers or cuts on insurance. This is the first big pre-buy drive check in India that pays back real cash perks.

Past efforts by Zuno built up to this. They ran longer trials before, like 15-day challenges, to test skills and offer discounts. Now, crash detection joins in too. The app spots wrecks fast, calls for help, and speeds claims without delay. Users get trip tips weekly, plus leaderboards for top scores and prizes like fuel or shop cards.

How does Zuno calculate the Zuno Driving Quotient Score?

Zuno General Insurance calculates the Zuno Driving Quotient (ZDQ) score using data from your smartphone while you drive, then converts that data into a single safety score for your driving behaviour.

The app uses mobile sensors (like GPS, accelerometer and gyroscope) to detect movement and driving patterns when you are on the road.

It tracks events such as sudden braking, over‑speeding and distracted driving (for example, phone use while driving or sharp lane changes).

Three Main Scoring Parameters

Braking control: The system checks how often and how hard you brake, rewarding smooth, planned braking and penalising harsh, last‑minute stops.

Speed control: It looks at how often you cross safe or legal speed limits, and how steady your speed is during a trip. Fewer speeding events and steadier speed help your score.

Driving attention: It estimates how focused you are by spotting patterns linked to distraction, such as phone handling or erratic steering and acceleration.

How The Score is Built Over Days

Once you join the ZDQ challenge in the Zuno app, every eligible trip is recorded and given a trip‑level score based on the above factors.

These trip scores are then averaged over the full assessment period (earlier 15 days, now also offered as a 5‑day pre‑purchase trial) to create your overall Zuno Driving Quotient.

A higher ZDQ means you show safer driving patterns, so you can qualify for lower motor insurance premiums under Zuno’s usage‑based and “Pay How You Drive” models.

The score also unlocks extra benefits such as gift vouchers and app‑based rewards, giving a clear money link between safe habits and what you pay for cover.

Feedback to improve your score

The app shows your daily and trip‑wise scores on a dashboard, along with insights on what went well and what hurt your rating (like too many hard brakes or speeding events).

This feedback loop is meant to nudge you towards smoother, more attentive driving so that, over time, both your road risk and your insurance cost can go down together.

Expert Views

Ketan Mankikar, Head of Marketing and PR at Zuno, calls SmartDrive a game-changer. It pays back for normal good habits in a fun way that stands out from old ads. The goal is easy, light, and sure rewards. Zuno started in 2016 as part of efforts to make insurance simple and clear. It now serves cars, health, home, and more with over 1,000 garages and solid claim payouts.

Gaurang Menon from agency Hashtag Orange praises the bold teamwork. They turned a top product into ads with quirky stars that break the mould. Zuno General Insurance has pushed safe drives before, like with kid hero Vivaan or pay-how-you-drive perks. This fits their lead in tech-led plans that cut risks and boost habits.

What Rewards Do Safe Drivers Receive Under Zuno SmartDrive?

Safe drivers under Zuno SmartDrive receive a mix of money benefits and small, regular rewards that build up over time.

Direct Money Savings

Safe drivers can get lower premiums on their car insurance because Zuno General Insurance links price to how they actually drive, not just age or car model.

Good driving scores can unlock extra discounts at renewal, with communication around savings of up to about 30 per cent for the best drivers in some campaign material.

Vouchers And Gifts

Drivers with strong scores earn weekly and monthly fuel or shopping vouchers, giving a clear “thank you” for safe habits beyond just cheaper cover.

In recent promotions, Zuno General Insurance has also highlighted daily or frequent gift vouchers during the 5‑day SmartDrive or ZDQ challenges, so users see quick, small rewards while they test the app.

Users receive a certified safe driver score, which brings bragging rights and puts them on in‑app leaderboards that rank drivers by their scores.

The app shares trip‑by‑trip insights, showing where braking, speed or attention can improve, helping drivers boost their score and unlock more rewards over time.

Even people who are not yet Zuno General Insurance’s customers can join the 5‑day Zuno Driving Quotient challenge through the app, get a personalised score, and still access discounts and gift vouchers.

This means safe drivers begin to receive financial benefits and guidance on their driving style even before they purchase a full SmartDrive policy

Media Rollout

The full push runs two to three months from December 2025. It starts strong on digital with Google, social sites like Instagram and YouTube, plus OTT and influencers. Meme fun and posts aim right at young drivers. Radio, billboards, buses, and cinema add a wide reach.

This mix covers all steps, from hearing about the five-day trial to sticking with the app long-term. As roads claim more lives yearly, with over 1.6 lakh gone in 2025 so far, such rewards could nudge better choices. Zuno General Insurance makes insurance feel like a pal, not a chore, for next-gen folks who want fair deals.