Own damage insurance covers eligible loss or damage to the insured vehicle itself. Protection can include specified events such as collision, theft, or fire, with the precise scope set by the insurance policy. It is distinct from third-party insurance, which addresses covered liability to others.
A Nepalese owner should compare repair deductions, deductible amounts, insured vehicle value, and restrictions on use. Ordinary wear, mechanical failure, or unauthorised driving may be excluded depending on the terms. Photographs and prompt notification help support a claim after an accident.