🚗 Motor Insurance
in Nepal

Third-Party Liability

⚠️ Mandatory by Nepal Traffic Act

Covers legal liability for death, injury, or property damage caused to a third party. Minimum legal requirement for all vehicles.

• ✓Death/injury to third parties
• ✓Third-party property damage
• ✓Legal defense costs
• ✗Your vehicle damage NOT covered

Full protection for your vehicle

Covers both third-party liability AND damage to your own vehicle from accidents, theft, fire, natural disasters, and vandalism.

• ✓All third-party cover included
• ✓Own vehicle damage (accident)
• ✓Theft & total loss
• ✓Fire, flood, earthquake

Own Damage (OD)

Covers your vehicle only

If you already have third-party cover through another policy, get OD-only cover to protect your own vehicle from damage, theft, and natural disasters.

• ✓Accidental damage to own vehicle
• ✓Vehicle theft/total loss
• ✓Natural disaster damage
• ✗Third-party not included

Zero Depreciation

Full claim without depreciation deduction. Ideal for new vehicles.

Key Replacement

Covers cost of replacing lost or stolen keys and locksmith charges.

Roadside Assistance

24/7 towing, flat tyre change, fuel delivery, and breakdown help.

Personal Accident

Covers driver and passengers for accidental death or disability.

Flood/Engine Protection

Engine damage due to flooding/waterlogging covered (Nepal monsoon essential).

Return to Invoice

On total loss, get original invoice value instead of depreciated value.

Passenger Cover

Personal accident cover for all passengers in the vehicle.

Earthquake Cover

Essential for Nepal — covers vehicle damage from earthquakes & landslides.