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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.
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Private & Electric Vehicle Insurance is a motor insurance solution designed to protect owners of private and electric vehicles against financial losses resulting from accidents, theft, fire, natural calamities, and third-party liabilities. Depending on the policy selected, it helps cover repair or replacement costs for the insured vehicle and provides financial protection against legal liabilities arising from damage or injury caused to third parties, subject to the policy's terms and conditions.
In Nepal, maintaining at least a Third-Party Motor Insurance Policy is a legal requirement for every vehicle owner. This mandatory coverage provides financial protection against legal liabilities arising from bodily injury, death, or property damage caused to a third party while operating the insured vehicle.
Private & Electric Vehicle Insurance is generally available in three forms: Third-Party Insurance, which covers legal liability for injury, death, or property damage caused to third parties; Own Damage (OD) Insurance, which covers accidental loss or damage to the insured vehicle and may include protection against theft, fire, and specified natural calamities, subject to the policy terms and conditions; and Comprehensive Insurance, which combines both third-party liability and own damage coverage to provide broader protection for the insured vehicle.
Essential protections such as Private & Electric Vehicle Insurance are often overlooked or forgotten when they appear to be routine, unless individuals face the consequences of being uninsured. However, these regulations are primarily designed to ensure the safety and financial security of vehicle owners, passengers, and third parties.
For instance, if Third-Party Private & Electric Vehicle Insurance were not legally mandatory, many vehicle owners might choose to forego coverage altogether. In the event of an accident, this could leave both parties involved entangled in disputes and burdened with significant, unplanned financial liabilities.
Therefore, while the primary purpose of motor insurance is to provide financial protection to affected parties during accidents or unforeseen incidents, there are multiple critical reasons why such insurance is made mandatory in Nepal.
Select from Third-Party, Comprehensive, or Own-Damage coverage options tailored to your driving needs and risk profile.
Private and Electric Vehicle Insurance policies in Nepal are designed to provide financial and legal protection to vehicle owners against unexpected losses arising from accidents, theft, natural disasters, fire, and third-party liabilities. The main features include:
Together, these features make Private & Electric Vehicle Insurance more than just a legal requirement. It provides valuable financial protection and peace of mind for vehicle owners by helping manage unexpected repair costs and liabilities.
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.
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 insurance services and assistance whenever required.
Our customer support team assists with policy servicing, renewals, endorsements, and claim-related queries throughout the policy period.
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
A structured private and electric vehicle insurance approach helps you plan for insured events instead of facing costs 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.
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 rejections of Private & Electric Vehicle insurance claims by paying closer 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 driving, or reckless behaviour. Safe and lawful driving 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.
Coverage for electric vehicle components, including battery-related damages, depends on the selected policy coverage, add-ons, and policy terms. Please review your policy document or contact United Ajod for specific details.
Private & Electric Vehicle Insurance provides protection against risks such as accidental damage, theft, fire, natural calamities, and third-party liabilities. Coverage depends on the selected insurance plan and policy terms.
The maximum coverage amount depends on the vehicle value, selected plan, insured declared value, add-ons, and policy terms. Contact our branch advisor for details about available coverage options.
Common exclusions may include driving without a valid licence, intentional damage, unauthorized vehicle use, normal wear and tear, and other exclusions mentioned in the policy document. Always review the policy terms for complete details.