MOTOR INSURANCE GUIDE
Motor Insurance Exclusions: A Nepal Driver’s Reading Guide
Understand common exclusion themes and find the controlling language in your own motor policy.
Written by NepaCompare Editorial Team · Reviewed by NepaCompare Research Desk
Published 2026-08-03 · Reviewed 2026-08-03 · Editorially reviewed; professional review pending
An exclusion describes when a policy will not respond. It is as important as the coverage summary.
Themes found in official insurer material
Shikhar’s vehicle page and FAQ identify examples including driving outside the stated geographical area, driving without a valid licence, driving under the influence of alcohol or drugs, contractual liability, use beyond stated limitations, ordinary mechanical wear and tear, and certain tyre-only damage.
These examples are not a universal or complete list. Your policy schedule, wording and endorsements control.
How to review exclusions
- Match the wording version to the policy period.
- Read definitions before relying on a coverage heading.
- Check driver, usage and geographical restrictions.
- Find deductibles, depreciation and claim conditions.
- Ask the insurer to clarify ambiguous language in writing.
Never treat a marketing page or comparison card as the complete contract.