Motor insurance protects against specified vehicle-related risks and may combine own damage insurance with third-party insurance. It can also include selected accident or assistance benefits. The covered vehicle, permitted use, authorised drivers, exclusions, and deductibles determine how an accident claim is handled.
For a vehicle in Nepal, disclose whether it is used privately, commercially, or for passenger transport. Keep registration and driving documents valid and check renewal dates. A product described as comprehensive insurance still has limits and exclusions, so review the contract before assuming every road-related loss is covered.