For Other Claim
For Covid-19 Claim
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  कोविड दावी फारम
Claim Intimation
Hari Prasad Upadhaya/ Amir Bista - 9801237717

Documents verification and processing
Deepu Khadka - 9801237718

Viber/ Whatsapp, Messenger and IMO related documents and fast track claims
Sunil Luhar - 9801235128
Covid - 19 Claim

Email: covid@shikharinsurance.com

Akash Bhat - 9802320830
Daruin Joshi - 9802336451
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  • Location - Head Office

    Shikhar Biz Centre,Thapathali,
    Kathmandu,Nepal
  • Working Hours

    9:30-5:30pm (Sunday-Friday)
    9:30-1:30pm (Friday) Branches Only
  • Phone No.

    01-4246101 (Head Office)
    01-5970010 (call center)
auto-plus-insurance
auto-plus-insurance

Auto Plus Insurance

Motor Vehicle Addtitional Benefit Insurance

Background

  • All kinds of motor vehicles are presently insured under Motor Vehicle Insurance as per "Motor Tariff Directive, 2073"
  • In partial loss claim of motor vehicle, some amount is deducted due to depreciation on all parts except parts made of glass.The rate of depreciation for this purpose is 50% for Rubber, Tyre, Tube, Lights, 30% for parts made of Fibre Glass and up to 50% for other mechanical parts as per the age. There might be significant deduction of claim amount due to depreciation and the vehicle owner has to bear the cost on repair of the vehicle.
  • In case of total loss or theft of vehicle, the claim payment will be up to Sum Insured of the vehicle. Basis of Sum Insured for motor vehicle insurance is price of similar brand new vehicle less depreciation as per age. In total loss claim, the vehicle owner has to bear a significant amount on purchase of new vehicle.
  •  Vehicle owner has to bear the daily transportation cost during repair of vehicle following partial loss. Vehicle owner has to bear the same cost until the purchase of new vehicle in case of total loss.
  • As Motor Vehicle Insurance, can not provide full indemnity to vehicle owner, Shikhar Insurance Company Ltd. Has introduced "Motor Vehicle Additional Benefit Insurance" to provide more indemnity.

Benefit of Insurance

3 types of benefits can be insured under this insurance :

1.Depreciation Waiver

          In case of replacement of parts under Comprehensive Motor Vehicle Insurance, the amount of depreciation wil be paid on replacement of parts, as per Surveyor' report of loss assessment. Claim will be paid for the parts, which are considered necessary.

  2.New Vehicle Replacement

            In case of total loss of insured vehicle, amount difference between the Sum Insured of the Insured Vehicle and the current showroom price of new vehicle of same make, model, features and specification.

 3.Daily Rental / Transportation Cost

         In case of loss or damage of insured vehicle under Comprehensive Motor Vehicle Insurance, daily rental / transportation cost, as mentioned in the policy,  will be paid in following way:

   a) Maximum of 30 days in case of Total Loss Claim

   b) Maximum of 14 days in case of Partial Loss Claim

Daily rental / transportaiton cost for 4 wheeler and 2 wheeler will be difference. Further, this cost varies as per the Sum Insured of the vehicle.

Note:

- This insurance is available for private 4 wheeler (Car, Jeep) and 2 wheeler (Motorcycle, Scooter) only.

- This insurance is available for vehicles up to 10 years age. Age counts from date of manufacture of date of registration in Nepal.

- This insurance is given only to the vehicle, which is insured under Motor Vehicle Insurance with Comprehensive cover.

- Any one or more additional benefits can be insured, for which separate premium will be required for each benefit.

- Premium for these additional benefits insurance is additional premium on Comprehensive Motor Vehicle Insurance.

- This insurance will not pay the amount reduced for Deductible Excess and Salvage under Comprehensive Motor Vehicle Insurance Claim.

- There will be additional amount on premium on account of Stamp duty and VAT (Value Added Tax) as applicable.

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