Motor Comprehensive
Motor InsurancePopular
Sum assured
On request
Premium / yr
Rs 12,000
Term
1 yrs
Entry age
—
About this plan
Bumper-to-bumper protection for your vehicle, including own damage, third-party liability, and natural disaster coverage.
What's included
Key highlights
- पूर्ण कभरेज
- रोडसाइड सहायता
- चोरी सुरक्षा
Features
- आफ्नो क्षति कभर
- तेस्रो पक्ष दायित्व
- व्यक्तिगत दुर्घटना कभर
- प्राकृतिक प्रकोप कभर
- चोरी कभर
- रोडसाइड सहायता
Eligibility & term
- Policy term
- 1 year
Coverage breakdown
Own damageFull vehicle value
Third party liabilityAs per NIA tariff
Personal accidentRs 5 lakh
Natural disasterIncluded
TheftFull value
Roadside assistance24/7
Zero depreciationNot available
Engine protectNot available
Pros & cons
Pros
- Full bumper-to-bumper coverage
- Roadside assistance included
- Theft and natural disaster covered
- 100+ branches for easy claims
- Personal accident cover for driver
Cons
- Depreciation applied on parts during claim
- No zero-depreciation option
- Premium higher than basic plans
- No engine protect rider
What affects your premium
- Vehicle declared value (NIA tariff: 0.84-1.12% for cars)
- Engine capacity (below/above 1000cc, 1600cc)
- Vehicle age (surcharge after 5 and 10 years)
- Third party rate based on NIA tariff
- 13% VAT applied on premium
How to claim
- 1Report accident to police (FIR required)
- 2Notify insurer within 24 hours
- 3Get vehicle surveyed by company surveyor
- 4Repair at authorized garage
- 5Submit repair bills for reimbursement
Network
- Network garages
- 50
- Coverage area
- Major cities
Best for
New vehicle ownersComprehensive protection seekersThose in disaster-prone areas
What's not covered
- Driving without valid license
- Driving under influence of alcohol/drugs
- Wear and tear, mechanical breakdown
- Consequential loss
- Using vehicle outside covered territory
Other plans from सगरमाथा लुम्बिनी इन्स्योरेन्स
Premium / yr
Rs 12,000