Insurance Products
Motor Insurance
Cover for your vehicle. Protection for the people around you.
Sanima GIC Motor Insurance covers loss or damage to your vehicle from fire, accident, theft and natural disasters — and the people around you. Personal accident cover for third parties is included; pillion-rider cover is built into motorcycle policies, and accident cover for drivers and passengers can be added.
Choose Your Cover
Pick the level of cover you need
- REQUIRED BY LAW
Third-Party
Pays for injury or damage your vehicle causes to others.
- MOST COMPLETE
Comprehensive
Everything in Third-Party, plus your own vehicle — accident, fire, theft, earthquake, flood, storm.
Plans
Choose Your Plan
MotorcyclePillion-rider accident cover built in.
Private carAdd-ons available for extra peace of mind.
CommercialIncludes liability for goods you carry.
Included
What you get
- Own damage: accident, fire, theft, earthquake, flood, storm, riot and strike
- Third-party injury and property damage, up to your schedule limit
- Injured third parties: hospital expenses up to 45 days and ambulance up to Rs 10,000
- Driver and one pillion rider: accident cover up to Rs 5 lakh (motorcycle and commercial policies)
- Towing and rescue costs covered
- No-claim bonus: a discount for every claim-free year
Coverage Details
What's protected, and what isn't
- Accident, fire, explosion, self-ignition, lightning
- Burglary, theft, malicious acts
- Riot, strike, terrorism
- Earthquake, flood, storm, landslide
- Transit by road, rail, air or inland waterway
Optional
Extend your cover
Depreciation WaiverNo depreciation deducted on replaced parts.
New Vehicle ReplacementTotal loss? We pay for a brand-new same model. Vehicles up to 10 years old.
Daily Transportation AllowanceDaily cash up to 14 days while your vehicle is repaired.
Before You Buy
Good to know
- Claims settle after depreciation — unless you add Depreciation Waiver.
- Selling the vehicle? Tell us within 35 days, or the policy stops.
- Only licensed drivers. No cover for drunk driving.
- Accident? Tell us immediately. Theft? Report to police first.
- Renew on time to keep your no-claim bonus.
Claims
Claim in 4 steps
- 1Tell usCall or report online, right away.
- 2Show usPhotos and documents.
- 3We assessA licensed surveyor inspects.
- 4You're paidPer your policy terms.
Questions
Frequently asked questions
Yes — every vehicle on Nepali roads needs at least third-party cover.
Comprehensive adds your own vehicle's damage; third-party only covers others.
Without it, replaced parts settle after depreciation; the add-on removes that deduction.
No. It transfers to your new vehicle if you renew within a year.
Full terms, limits and rate tables live here — not on this page.
Ready when you are
Estimate your premium in under a minute, or talk it through with our team.
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