Insure Your Car Insurance In Just 10 minutes From Home
Buying car insurance in Nepal used to be a headache—visiting offices, standing in queues, and endless paperwork. But times have changed. Now, you can get car insurance online instantly—yes, within 10 to 15 minutes! Whether you just bought a new car in Kathmandu or want to renew your old vehicle's policy in Pokhara, online car insurance makes life easier, faster, and safer.
In this guide, we’ll walk you through the step-by-step process of buying car insurance online and show you how to do it without any agent or hassle.
Why Choose Online Car Insurance in Nepal?
✅ No paperwork
✅ Instant policy download
✅ Compare prices from multiple companies
✅ Secure online payment
✅ 24/7 customer support
Whether you're sitting in your home in Jhapa or sipping chiya in Bhaktapur, you can get your policy in minutes with just your mobile.
Step-by-Step Guide to Buying Car Insurance Online
🛒 Step 1: Choose a Trusted Insurance Provider
In Nepal, some top insurance companies offering online services are:
l Shikhar Insurance
l Neco Insurance
l IME General Insurance
l Sagarmatha Insurance
l Everest Insurance
l Ajod Insurance
➡️ Visit their official websites or use online aggregator platforms like PolicyNepal or InsureNP (if available).
📱 Step 2: Go to the Car Insurance Section
Once on the website:
l Select “Motor Insurance” or “Car Insurance”
l Choose the type of vehicle: Private or Commercial
l Choose whether you want Third-party or Comprehensive insurance
l Third-party insurance is mandatory by law (covers damage to others).
l Comprehensive insurance includes third-party + own damage + theft + fire + natural disasters.
📷 Step 3: Fill in Car Details
You’ll be asked to enter the following information:
l Vehicle number (Ba 5 Cha XXXX)
l Registration number (Bluebook info)
l Make & model (e.g., Hyundai i20, Suzuki Swift)
l Engine CC
l Year of manufacture
l Chassis & engine number
Make sure you enter accurate information to avoid claim rejection later.
🧍 Step 4: Enter Personal Details
Now, fill in your personal information:
l Full Name
l Citizenship Number / Passport
l Mobile number
l Email address
l Address (Permanent or Current)
⚠️ Some providers might ask for a scanned copy of your bluebook and citizenship. You can upload it as a photo.
💰 Step 5: Choose Coverage Add-Ons (Optional)
Want extra safety? You can add:
· Personal Accident Cover
· Theft Coverage
· Flood & Earthquake Protection
· Garage Cash (for repairs)
· Roadside Assistance
You’ll see the total premium update in real-time. Pick what fits your needs and budget.
💳 Step 6: Make Online Payment
Most insurers accept:
· eSewa
· Khalti
· ConnectIPS
· Debit/Credit Card
· Bank Transfer (with slip upload)
Once payment is confirmed, your insurance certificate and policy document will be emailed or available for download instantly.
📄 Step 7: Download & Save Your Policy
After payment, you’ll get:
· A PDF copy of your policy
· Insurance Certificate for traffic police
· A contact number for future claims
Tip: Save the PDF on your phone and print one for your car.
Real-Life Story: How Binod from Lalitpur Got His Policy in 12 Minutes
Binod bought a second-hand Kia Seltos and needed quick insurance before his family trip to Chitwan. He visited Shikhar Insurance’s website, filled in the vehicle and personal info, paid via eSewa, and got his digital policy within 12 minutes. No calls, no visits, no tension. Just smart insurance on the go.
FAQs About Online Car Insurance in Nepal
Q1. Is online insurance valid legally in Nepal?
Yes, fully valid. You get the same coverage and protection as offline policies.
Q2. Can I renew expired car insurance online?
Yes, many insurers offer online renewal, even after expiry (some late fees may apply).
Q3. What if I make a mistake while filling the form?
Contact customer care. Most companies allow minor corrections via email.
Q4. Can I claim insurance easily if I buy it online?
Yes. The process is the same as offline—just keep all documents and photos ready during a claim.
Final Thoughts
In today’s digital Nepal, there’s no need to waste time running to insurance offices. With just a mobile phone and internet, you can get car insurance online instantly, securely, and affordably. It’s time to be smart, safe, and paper-free!
So, the next time someone says “insurance is boring,” show them how it’s done—in minutes, online, and stress-free
No comments: