Kathmandu. Motorcycle insurance, also known as two-wheeler insurance, is a type of motor insurance that guarantees financial protection against any loss or damage caused or caused by two-wheelers. These include road accidents, theft, natural disasters (such as floods and earthquakes), man-made disasters (such as riots and fires), and protection from third-party liabilities such as injury or damage to property to others.
According to the Motor Vehicles and Transport Management Act, 2049, it is mandatory to have at least third-party insurance to drive a motorcycle legally on public roads. It is recommended to purchase comprehensive insurance plans for comprehensive or intensive protection, as this insurance also covers the damage to your vehicle.
Two-wheeler insurance provides insurance facility for scooters, motorcycles, three-wheelers, electric motorcycles and scooters.
दुई-wheeler insurance?###inline_tags_PLACEHOLDER_8#
Motor insurance not only ensures financial security, but also peace of mind and compliance with legal order. Motor Vehicles and Transport Management Act 2049 for two-wheeler insurance and rules and legal provisions related to vehicle insurance issued by Nepal Insurance Authority:
##inline_tags_PLACEHOLDER_17#accidental damage to #बीमा motorcycle
- दुई-wheeler theft or complete damage
- प्राकृतिक disasters (floods, earthquakes, hurricanes, etc.)
- मानव-made disasters (fire, vandalism, rioting)
- तेस्रो-party liabilities (injury, death, or property damage)
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According to the Motor Vehicles and Transport Management Act, 2049, it is mandatory for all vehicle owners in Nepal to purchase at least a third-party insurance policy. The insurance authority controls the insurance premium rate, the terms of the policy, and the rules related to claim payment. According to Section 148 of the Act, the owner or manager of the vehicle has to insure every vehicle as prescribed.
Section 152 of the Act covers provisions related to third-party insurance. According to this section, if any third party or any of his property is damaged in any way due to the accident of the vehicle, the vehicle owner or manager has to insure the third party of the specified amount to compensate for the loss.
सवारीसाधनको Insurance Benefits:#inline_tags_PLACEHOLDER_8##
Financial Security: Two-wheeler insurance guarantees financial security that helps save a lot of money in the event of accidents, thefts or third-party liability. Even a small loss can cost thousands of rupees. This policy will help you to repair the damage without causing damage to the money in your pocket.
Accident injury: The insurance policy covers the damage suffered by your vehicle in the accident and any accidental injury you suffer.
Safety for all types of two-wheelers: This compensates for damage to a scooter, motorcycle, or moped.
Two Wheeler Insurance Types: There are three types of motorcycle insurance offered by insurance companies. According to your needs and budget, you can purchase a policy that includes third-party insurance, comprehensive insurance, and your own damages facility.
#inline_tags_PLACEHOLDER_55#risks to be included in #दुई-wheeler insurance: ####inline_tags_PLACEHOLDER_7#
##inline_tags_PLACEHOLDER_6#cost of #स्पेयर parts:##inline_tags_PLACEHOLDER_7#inline_tags_PLACEHOLDER_56##नेपालमा The increasing demand for motorcycles has increased their cost. And their parts have increased. This two-wheeler insurance covers the cost of parts, including parts such as simple nuts and bolts or gears or brake pads, which have become more expensive than ever.
#inline_tags_PLACEHOLDER_55##राजमार्गमा Service: बीमालेख During the purchase, you can opt for road assistance if you need help on the road. This includes services such as towing, small maintenance, flat tires, etc. Such a facility is especially included in the insurance of four-wheelers.
मनको Peace:##inline_tags_PLACEHOLDER_7#Any damage to a #तपाईको vehicle can lead to substantial maintenance charges. If you have two-wheeler insurance, your insurer will take care of unnecessary expenses, which will give you peace of mind to ride a motorcycle without worrying.
अनिवार्य Personal Accident Cover:##inline_tags_PLACEHOLDER_56#बाइक owners can now get personal accident compensation of Rs 3 lakh under their two-wheeler insurance as an underlying facility. Under this insurance, non-life insurance companies provide a maximum compensation of Rs 300,000 in case of injury and Rs 500,000 in case of death under the risk of human loss due to collision of a third party insured vehicle.
अतिरिक्त Features:#inline_tags_PLACEHOLDER_56## Additional risk bearing is available at additional insurance premiums, but goes a long way in facilitating claim registration by providing additional protection. This includes personal accident risk bearing for additional facilities for pillion occupants, additional risk bearing for parts and accessories, zero depreciation deduction facility.
दाबी discount (no claim discount):inline_tags_PLACEHOLDER_56## The insurance company rewards the insured with such discount facility if the vehicle owner has not made any claim on safe driving practices and previous year(s).
तेस्रो-party motor insurance:
Third-party insurance covers the legal liabilities of causing damage to third parties in a road accident to the insured. Whether it is the person or their property. The Motor Vehicles and Transport Management Act makes it mandatory for all two-wheeler owners to get valid third-party insurance while driving on public roads.
आफ्नै Damage Insurance: #
Own damage insurance is also known as bearing one’s own damage risk. It provides financial protection for damage to a motorcycle insured against theft, accident, fire, etc. In addition to mandatory third-party insurance for comprehensive protection, it is advisable to include this feature.
बृहत् Insurance:
Comprehensive insurance protects you from any damage to your vehicle in addition to third-party legal obligations. This guarantees your motorcycle protection against fire, natural disasters, theft, accidents, man-made disasters and related adversities.
##inline_tags_PLACEHOLDER_55#is wise to #के?##
In this way, third party insurance ensures compensation in case of any damage caused to the third party due to the collision of the insured vehicle. But if something happens to the owner of the vehicle or damages the vehicle, steals, goes missing, he does not provide a single compensation. If you have insured only a third party, do not expect to get a compensation claim for insurance, contact the nearest sales center to buy a new or old motorcycle by saving money.
It is best if you choose intensive insurance or comprehensive coverage insurance by paying a little more. Even if a motorcycle hits, damages someone or is washed away by theft, arson, vandalism, floods and landslides, then the insurance company will pay compensation.
