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It covers loss and damage due to fire, accidental damage, natural disasters, third party liability, and personal accident to the driver, conductor and passengers. It can be extended to cover losses from riots, strikes, malicious acts and terrorism. Our standard Motor Insurance covers damage to your vehicle due to: – – – – – Fire, […]Learn More
It covers loss and damage due to fire, lightning, earthquake, storm, flood, landslide, air craft damage and impact damage (due to animal and vehicle) . It can be extended to cover losses from riots, strikes, malicious acts and terrorism. It covers all the causes of loss not specifically excluded in the policy. This include damage […]Learn More
Marine Transit Insurance policy provides coverage of Imports & Exports trade. It covers the loss or damage of property which is transferred, acquired or held between the origin warehouse and final destination. The scope of cover depends upon the type of clauses attached with the policy. Mainly these clauses can be grouped under three categories: […]Learn More
It covers unforeseen and sudden losses to various civil engineering works including construction and erection of all types of structures viz road, bridge, hydro power, canal, irrigation and installation of machine. Some types of engineering insurance policies are: Electronic Equipment Insurance Policy This type of policy provides complete coverage for electronic equipment which includes physical […]Learn More
This insurance provides insurance coverage for various agricultural activities such as Poultry, Cattle, Fishery, Crops, Vegetable et cetera The damage caused to the above mentioned agricultural sectors due to the fire, earthquake, flood, soil erosion, hailstones, lightning, insects or diseases etc will be covered by the agriculture insurance.Learn More
At Sanima GIC Insurance Ltd., we strive towards customer centricity and tirelessly work towards a better and safer life. We value transparency and believe in continuous innovation through exploring, learning and implementing new ideas.Learn More
Insurance is a contract between two parties’ insurer and insured in which one party (the insurer, in return of certain and agreed amount of money called the premium), assure the other party (the insured) to make the financial loss. The insured may suffer as a result of occurrence of the specified, insured and unforeseen events (perils) that take place within the period described in the contract.
There are two types of insurance in the market, namely Life Insurance and Non-Life or General Insurance. Life Insurance provides cover for human and human related things. General Insurance Company Nepal Limited only issues Non-Life Insurance.
Non-Life or General Insurance provides cover for all the rest (automobiles, showrooms, house, industry, warehouse etc.) apart from that covers in Life Insurance. However, Personal Accidents, Personal Medical, Third Party Liability, Production Liability, Travel Trip are also covered in Non-Life Insurance. The nature of Non-Life insurance cover is normally short term, such as one year.
Underwriting is the function of evaluating the subject of insurance, whether a person, property, profession, business, or other entity, and determining whether to insure it. The underwriter must apply company standards to each applicant and, based on these standards, ascertain whether the application represents an acceptable risk. Underwriting is the foundation of the insurance transaction process.