Cashless Repairs
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.
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Two-Wheeler Insurance is a specialized motor insurance solution designed to protect vehicle owners from unforeseen financial losses arising from accidents, theft, natural calamities, and third-party liabilities. It provides coverage for repair and replacement costs, as well as legal obligations, 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 or property damage caused to a third party while operating the insured vehicle.
Two-Wheeler Insurance is generally available in three forms: Third-Party Insurance, which covers liabilities arising from injury or damage caused to others; Own Damage (OD) Insurance, which protects the insured vehicle against accidental loss or damage; and Comprehensive Insurance, which combines both third-party liability and own damage protection to provide all-inclusive coverage.
Essential protections such as Two-Wheeler 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 people like us.
For instance, if Third-Party Two-Wheeler Insurance were not legally mandatory, many riders 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.
Two Wheeler insurance policies in Nepal are designed to provide complete financial and legal protection to vehicle owners. The main features include:
Together, these features elevate Two-Wheeler Insurance beyond a mere legal requirement, positioning it as a vital financial safeguard for every vehicle owner.
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.
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.
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.
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
A structured motor cycle and scooter 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.
| Key Features | Ajod Benefit |
|---|
A great pleasure to be affiliated with you. I had met an accident and got the damaged parts replaced within a day after raising the claim. Thank you.
Shaaz Suhail Salafi
Very good service. Within two minutes I have renewed my car insurance online.
Ajay Bharade
For today's world, if anyone wants to open a fresh vehicle insurance policy which has transparency and user-friendly service — plus the staff is very cooperative. Wishing you all the best for future endeavours.
DinShaw Sahukar
Quick reaction on roadside assistance and continuous follow-up till resolution. Happy with assistance in late night hours.
Abhisheak Sharma
A Third-party two wheeler insurance is one of the most common types of motor insurance; in which only damages and losses caused to a third-party person, vehicle or property are covered.
A Comprehensive two wheeler insurance is one of the most valuable types of motor insurance that covers both third-party liabilities and damages to your own car as well.
An Own Damage two wheeler Insurance is for yourself; it covers loss and damage only to your own two wheeler vehicle in case of accidents and collisions, natural calamities, fires, and thefts.
| Coverage | ThridParty | Comprehensive | Own Damage |
|---|---|---|---|
| Damages/Losses to own two wheeler due to an accident | |||
| Damages/Losses to own vehicle in case of fire | |||
| Damages to Third-Party Vehicle | |||
| Damages to Third-Party Property | |||
| Personal Accident Cover | |||
| Injuries/Death of a Third-Party Person | |||
| Theft of your two wheeler | |||
| Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party insurance
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 Pollution Under Control Certificate (PUCC) 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 united-ajod.com for detailed information.
For motor insurance, pre-existing conditions are generally not applicable in the same way as health cover. For health products, coverage depends on policy wording — contact us for guidance.
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.
Standard motor policies focus on vehicle and third-party liability. Personal accident or health benefits may be available as add-ons — review your policy schedule for details.
Common exclusions include driving without a valid licence, use outside permitted geography, intentional damage, and wear and tear. Always read your policy document for the full list.
