निर्जीवन बीमा — पोलिसी तुलना

Comprehensive and third-party cover for motorcycles and scooters per NIA Motor Tariff Directive 2073.

योजना विवरण

• Own damage / accidental external damage
• Fire and theft of the two-wheeler
• Third-party bodily injury and property damage liability
• Personal accident cover for rider
• Optional riot/strike/terrorism (RSMDST) cover
• No-claim discount up to 35%

Comprehensive and third-party motor cover for motorcycles, private vehicles and commercial vehicles; priced per the NIA Motor Insurance Tariff Directive 2073 based on vehicle value, engine CC and age.

योजना विवरण

• Own damage to insured vehicle from accident, fire or natural disaster
• Third-party liability: up to NPR 25 lakh (motorcycle) / NPR 80 lakh (car) each for property and bodily injury
• Theft, vandalism, riot, strike and terrorism cover
• Compulsory personal accident cover: death NPR 5 lakh, plus medical up to NPR 3 lakh
• Towing and emergency roadside assistance

Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles; covers own damage, third-party liability, theft/total loss and personal accident for occupants.

योजना विवरण

• Own Damage cover - accidental damage to insured vehicle
• Third-Party Liability (mandatory) - bodily injury and property damage to others
• Theft and Total Loss protection
• Personal Accident cover for driver, passengers, helpers and conductor
• Damage from fire, lightning, storm, flood and natural calamities
• No Claim Bonus (NCB) for claim-free years

वार्षिक प्रिमियम: Add-on premium loaded onto base comprehensive motor premium; requires an active comprehensive policy. Rate set via quote. Not available for commercial vehicles or cars over 10 years old.

Add-on to an existing motor comprehensive policy that waives depreciation, provides rental/transport allowance and new-vehicle replacement.

Comprehensive private/commercial vehicle cover combining own-damage and third-party liability, priced on the NIA Motor Insurance Tariff Directive 2073. Available for two-wheelers, private cars and commercial vehicles via SPIL DIGI.

योजना विवरण

• Own-damage to insured vehicle from accidental external impact
• Fire, explosion, lightning and self-ignition
• Burglary, housebreaking and theft of the vehicle
• Third-party liability for bodily injury and property damage
• Riot, strike, malicious damage and natural calamity (RSMD/STFI as per tariff)
• Personal accident cover for owner-driver / occupants

Comprehensive own-damage plus third-party cover, or compulsory standalone third-party liability, for private cars, motorcycles and commercial vehicles. Priced on NIA Motor Tariff 2073.

योजना विवरण

• Own damage from fire, lightning, explosion, self-ignition
• Earthquake, flood, landslide, storm, hailstorm, snow, frost (natural calamity)
• Accidental external damage and mechanical breakdown
• Theft and burglary
• Transit damage by road, rail, lift, elevator
• RSMDST: riot, strike, malicious damage, sabotage, terrorism
• Third-party liability for personal injury, death and property damage

Comprehensive and third-party motor cover for private cars, commercial vehicles, motorcycles and miscellaneous/special vehicles, priced per the NIA Motor Insurance Tariff Guideline 2073 (2016).

योजना विवरण

• Own damage from accident, collision and overturning (comprehensive)
• Theft / burglary of the vehicle
• Fire, explosion, self-ignition and lightning
• Natural calamities - flood, landslide, earthquake, storm
• Riot, strike and malicious damage
• Compulsory third-party liability for death/injury and property damage

Comprehensive (own-damage + third-party) cover for private cars, commercial vehicles and motorcycles against accident, theft, fire, malicious damage and natural calamity. Rated per NIA Motor Tariff Directive 2073.

योजना विवरण

• Own damage to insured vehicle from accident/collision
• Theft and burglary of the vehicle
• Fire, explosion and self-ignition
• Natural calamities (flood, landslide, earthquake, storm)
• Third-party liability for property damage, injury or death
• Malicious acts / riot damage

Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles. Premium is tariff-based on declared value, engine capacity (CC) and vehicle age per the NIA Motor Insurance Tariff Directive 2073.

योजना विवरण

• Own-damage cover for accidental loss/damage to vehicle and accessories on land or in transit
• Compulsory third-party liability (bodily injury and property damage)
• Theft of vehicle cover
• Natural calamity, fire, riot and strike damage (comprehensive)
• No-claim discount up to 35%
• Optional voluntary excess (deductible) to reduce premium

Comprehensive and third-party motor cover for private cars and EVs (policy code PC, first issued 1996). Covers accidental own-damage and third-party liability; optional terrorism and riot/strike damage cover.

योजना विवरण

• Own-damage cover: accident, fire, self-ignition, explosion
• Theft and burglary of vehicle
• Third-party bodily injury and property damage liability (mandatory)
• Natural calamity cover (flood, landslide) as add-on
• No-claim bonus 20-50% for claim-free years
• Premium based on make, declared value, manufacturing year, cubic capacity and seats

Comprehensive and third-party motor cover for motorcycles, private cars and commercial vehicles, priced per the NIA Motor Insurance Tariff Directive 2073.

योजना विवरण

• Own damage from accident, fire, external explosion, self-ignition, lightning
• Burglary, housebreaking and theft of vehicle
• Malicious acts and damage in transit (road, rail, waterway, lift/elevator)
• Compulsory third-party liability cover (death/injury and property damage)
• Personal accident cover for driver and passengers

Comprehensive and third-party motor cover for two-wheelers and private cars; covers own damage, theft, fire, natural calamity and third-party liability. Premiums follow NIA Motor Tariff Directive 2073.

योजना विवरण

• Own damage from accident, fire, lightning, self-ignition or explosion
• Natural disasters: earthquake, flood, landslide, hurricane, snow
• Theft and robbery / masked robbery
• Third-party liability (max Rs 25 lakh bike / Rs 80 lakh car)
• Personal injury / medical for driver, conductor and passengers
• No-claim discount of 15% / 25% / 50% for claim-free years

वार्षिक प्रिमियम: Tariff-based (NIA Motor Tariff Directive 2073). THIRD-PARTY (post-2024 revised): motorcycle up to 150cc Rs 1,707, 151-250cc Rs 1,933, 251cc+ Rs 2,159; private car up to 1000cc Rs 7,356, 1001-1600cc Rs 8,487, 1601cc+ Rs 10,747 (minimum motorcycle TP fee ~R

Compensation for loss or damage to the insured vehicle due to accident, plus mandatory third-party liability for death/injury and property damage. Issued in three classes: motorcycle, private (four-wheeler), and commercial vehicle. Available as Third-Party-only (compulsory by law) or Comprehensive (own damage + third party).

योजना विवरण

• Own damage to insured vehicle by accident, external impact, overturning
• Fire, explosion, self-ignition and lightning damage to the vehicle
• Theft / burglary of the vehicle
• Riot, strike, malicious damage and terrorism (RSMDST add-on)
• Natural calamity - flood, landslide, earthquake, storm
• Compulsory third-party liability: death/injury and third-party property damage

Vehicle insurance offered in three forms: Liability Only (third-party), Own Damage Only, and Comprehensive (combines both). Comprehensive covers accidental damage, fire, theft, riot/strike, malicious/terrorist acts, earthquake, flood and transit. Mandatory third-party liability under the Motor Vehicles Act. Premiums follow the NIA Motor Insurance Tariff Guideline 2073.

योजना विवरण

• Own damage: accidental external impact, overturning, collision
• Fire, explosion, self-ignition and lightning
• Burglary, housebreaking and theft
• Riot, strike, malicious act and terrorist act
• Earthquake (fire and shock), flood, storm, cyclone, landslide/rockslide
• Third-party legal liability for bodily injury and property damage
• Personal accident cover for owner-driver/occupants

वार्षिक प्रिमियम: 30-day worldwide adult trip, USD 50,000 medical cover: standard Nepal overseas-mediclaim ~USD 55-60 (~NPR 7,500 at ~135/USD). Single-trip premium, not annual; HEI-published rate not available — market/tariff benchmark.

Comprehensive and third-party motor cover for private cars/jeeps/vans. Premiums follow the NIA Motor Insurance Tariff Directive 2073.

योजना विवरण

• Own damage from accident/external collision
• Fire and lightning damage to vehicle
• Theft of vehicle
• Third-party liability (death/injury and property damage)
• Personal accident cover for driver/occupants
• Optional riot, strike, malicious damage & terrorism (RSMDST) cover

Comprehensive private/commercial motor cover combining own-damage and compulsory third-party liability, priced under the NIA Motor Insurance Tariff Directive 2073.

योजना विवरण

• Own damage from fire, lightning, explosion, self-ignition
• Natural disasters: earthquake, flood, landslide, storm, hailstorm
• Accidental external damage and damage in transit
• Theft and burglary of the vehicle
• Compulsory third-party liability (death, injury, property damage)
• Geographical cover: Nepal, India, Bangladesh, Bhutan, Tibet

वार्षिक प्रिमियम: Statutory third-party tariff component for a private car 1000-1600cc: fixed service charge ~Rs 4,000 (below 1000cc ~Rs 3,000; above 1600cc ~Rs 6,000) per NIA Motor Tariff 2073; +10% if vehicle >10 years.

Mandatory third-party liability cover for all vehicles in Nepal; flat statutory premium per NIA, covering death/injury and property damage to third parties.

योजना विवरण

• Third-party death/bodily injury compensation up to Rs 5,00,000 per person
• Third-party medical expenses up to Rs 3,00,000 per person
• Driver and pillion/passenger statutory cover
• Third-party property damage liability
• Mandatory for all registered vehicles in Nepal

वार्षिक प्रिमियम: Fixed NIA third-party tariff for private car 1,001-1,600cc = Rs 8,487 (up to 1,000cc = Rs 7,356; 1,601cc+ = Rs 10,747).

Mandatory third-party-only motor liability cover per NIA tariff; protects against legal liability for third-party property damage, bodily injury and death.

वार्षिक प्रिमियम: Fixed third-party tariff, motorcycle up to 150cc = Rs 1,707; 151-250cc = Rs 1,933; 251cc+ = Rs 2,159 (NIA Motor Tariff). Comprehensive adds own-damage ~1.5% of bike value

Comprehensive and third-party two-wheeler cover (motorcycles/scooters). Own-damage plus mandatory third-party liability with optional add-ons.

योजना विवरण

• Own-damage cover: accident, fire, explosion
• Theft of motorcycle
• Mandatory third-party bodily injury and property liability
• Riot, strike and malicious damage extension available
• Minimum own-damage premium ~Rs 1,000
• No-claim bonus from second year

वार्षिक प्रिमियम: Rs 1,00,000 sum insured, 30-year adult individual; market-typical Nepal non-life individual health premium (representative)

Motor cover for commercial/transport vehicles (taxis, trucks, buses, tractors) per NIA tariff.

योजना विवरण

• Own damage and accidental collision
• Fire and theft
• Third-party death/injury and property damage liability
• Personal accident for driver/conductor
• Goods-carrying & passenger-carrying vehicle classes
• Optional RSMDST cover

Motor cover for goods carriers, buses, taxis, tractors and other commercial vehicles; comprehensive own-damage plus mandatory third-party liability.

योजना विवरण

• Own-damage: accident, fire, explosion, overturning
• Theft of vehicle
• Third-party liability for passengers and goods (mandatory)
• Optional cover for goods in transit and passenger liability
• Natural calamity and riot/strike extensions
• Premium driven by CC, seats/tonnage and declared value