Financial resilience
An optimal motor add-on selection helps you plan for specific high-cost repair risks instead of facing depreciation charges or mechanical costs entirely alone.
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Motor Ad-On Insurance is a specialized motor insurance solution designed to provide additional protection and enhanced coverage benefits to vehicle owners beyond the standard motor insurance policy. It helps protect against unforeseen financial losses arising from specific risks and provides additional coverage options based on the selected add-on benefits, helping minimize the financial impact of unexpected events.
In Nepal, maintaining at least a Third-Party Motor Insurance Policy is a legal requirement for every vehicle owner. This mandatory coverage ensures financial protection against bodily injury, death, or property damage caused to a third party while operating the insured vehicle.
Motor Ad-On Insurance provides additional coverage benefits that can be added to a standard motor insurance policy, such as enhanced protection against specific risks, subject to the policy terms and conditions. These add-on covers complement existing Third-Party Liability and Own Damage (OD) coverage, helping provide broader protection for the insured vehicle and its owner.
Essential protections such as Motor Ad-On Insurance are often overlooked or forgotten when they appear to be routine, unless individuals face the consequences of being uninsured. However, these additional protections are primarily designed to enhance the safety and financial security of vehicle owners by providing broader coverage against unexpected events.
For instance, without suitable motor add-on covers, vehicle owners may have to bear certain repair costs or financial losses that are not covered under a standard motor insurance policy. In the event of an accident or unforeseen incident, this could result in significant, unplanned financial liabilities.
Therefore, while the primary purpose of motor insurance is to provide financial protection against accidents and unforeseen incidents, selecting appropriate motor add-on covers helps ensure more comprehensive protection based on individual needs and circumstances.
Select from Third-Party, Comprehensive, or Own-Damage coverage options tailored to your driving needs and risk profile.
Motor Ad-On Insurance policies in Nepal are designed to provide complete financial and legal protection to vehicle owners. The main features include:
Together, these features elevate Motor Ad-On Insurance beyond a mere legal requirement, positioning it as a vital financial safeguard for every vehicle owner.
| Parameter | Third Party Motor Insurance | Comprehensive Motor Insurance |
|---|---|---|
| Meaning | This is the most basic motor insurance plan that only covers damage and losses your car could cause to any third-party person, vehicle or property. | This is an all-round cover for your motor- it only takes care of your third-party liabilities but also covers you and your own motor. |
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
An optimal motor add-on selection helps you plan for specific high-cost repair risks instead of facing depreciation charges or mechanical costs entirely alone.
United Ajod combines legacy non-life experience with branch-led support so you can escalate questions confidently.
Discuss extensions, deductibles and sums insured with underwriters so protection fits your balance sheet or household.
Products are offered within Nepal’s non-life insurance framework — your policy documents spell out terms clearly.
Use downloads for forms, or reach out via contact channels for checklists and timelines.
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and insurance coverage tailored to the real-world driving conditions of Nepal’s roads.
Leverage our extensive network of partner garages across Nepal for hassle-free repairs with minimal upfront costs. Where supported, convenient pickup and drop-off services further streamline the repair experience.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Set your vehicle’s Insured Declared Value (IDV) within approved limits so you can balance coverage and premium according to your needs.
With a strong branch network and accessible support channels, United Ajod helps customers receive reliable insurance services and assistance whenever required.
Our support continues beyond policy purchase, assisting customers with policy updates, add-on selections, documentation, and claim-related guidance throughout the policy period.
Visit one of our nearest branch or contact our customer support team.
Select third-party or comprehensive cover and add optional add-ons that fit your needs.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can easily avoid motor insurance claim rejections by just paying a little more attention to the following factors.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Providing false information or hiding facts like previous claims, accident details, or car modifications can lead to claim denial. Always be transparent with your insurer from the start.
Ensure your driving licence, Registration Certificate (RC), and Vehicle Emission Test Certificate are valid and up to date. Missing or expired documents can delay or even reject your claim.
Claims can be rejected if the accident occurred due to violations like drunk driving, underage riding, or reckless behaviour. Safe and lawful riding helps protect your eligibility for a claim.
In the event of an accident or any other issues, always notify your insurer before seeking any repairs. Unauthorised repairs without insurer approval can result in claim rejection.
If you buy a second-hand car, transfer the insurance policy to your name immediately. Claims may be denied if the policyholder's details don't match the registered owner.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at https://uail.com.np for detailed information.
Existing damages or conditions before purchasing the policy are generally not covered. Coverage depends on the policy terms, vehicle inspection, selected coverage, and applicable exclusions.
Maximum coverage depends on the plan type, vehicle IDV, and add-ons selected. Use our premium calculator or speak with a branch advisor for limits on your policy.
Motor Insurance may provide coverage for eligible vehicle repair expenses, third-party liabilities, theft, fire, natural disasters, and other insured risks depending on the selected plan and policy conditions.
Common exclusions include driving without a valid license, use outside permitted geography, intentional damage, and wear and tear. Always read your policy document for the full list.