Motor Insurance
Comprehensive and third-party cover for private and commercial vehicles against accident, theft, fire and natural disaster.
Motor insurance protects you and your vehicle from financial loss caused by accidents, theft, fire or third-party liability. Third-party cover is a legal requirement for every vehicle on Nepali roads; comprehensive cover adds protection for your own vehicle.
We offer flexible, affordable plans for private and commercial vehicles, with premiums calculated strictly on the Nepal Insurance Authority motor tariff — you can check the exact figure yourself before you buy.
Motor Insurance
Comprehensive and third-party cover for private and commercial vehicles against accident, theft, fire and natural disaster.
Coverage options
Third-party — private vehicle
Compensation for third-party property damage or bodily injury caused by a privately owned vehicle. Mandatory by law.
Third-party — commercial vehicle
Covers damage or injury caused to a third party by a commercial vehicle. Mandatory by law.
Comprehensive — private vehicle
Complete cover against accident, theft, fire, flood, storm and landslide, plus third-party liability.
Comprehensive — commercial vehicle
Own-damage, theft, fire, natural disaster and third-party liability for fleets and business vehicles.
Third-party — motorcycle
Legally required protection against third-party damage or injury caused by a two-wheeler.
What you get — and what you don’t
Key benefits
- Premium calculated on the published NIA motor tariff — no hidden loading
- No-claim discount of up to 50% for a clean claims record
- Optional riot, strike, malicious damage and terrorism (RSMT) extension
- Personal accident cover for driver, passengers, helper and conductor
- Towing assistance available as an add-on
Main exclusions
- Driving without a valid licence or under the influence of alcohol or drugs
- Use of the vehicle outside the purpose declared in the policy
- Normal wear and tear, mechanical or electrical breakdown
- Consequential loss, depreciation and loss of use
How a claim works
- 01
Intimate the loss
Report within 7 days at any branch, by phone, or through the online claim form.
- 02
Survey & assessment
A surveyor inspects the vehicle and prepares the assessment report.
- 03
Submit documents
Provide the bluebook, licence, police report and repair bills.
- 04
Settlement
Approved amounts are released directly to your bank account.
Documents to keep ready
- Copy of the vehicle registration certificate (Bluebook)
- Copy of the driving licence of the person driving at the time of loss
- Police report for theft or third-party incidents
- Photographs of the damage and the repair estimate