Insurance & Coverage
Every vehicle on Book Now Nepal carries valid insurance, your deposit is held by Travel Nest, and Travel Nest handles any damage. Here's how it works and what to do if something goes wrong.
Vehicle Insurance
Insurance comes with the vehicle, not as an extra you buy. Vehicle owners are required to keep it valid for as long as the vehicle is listed.
Every vehicle listed on Book Now Nepal must carry valid insurance — at least the third-party cover Nepal law requires, preferably comprehensive.
We check the owner's insurance before a vehicle is approved, and a vehicle whose insurance has expired is removed from search.
Third-party cover pays for injury or damage you cause to other people or their property. It does not pay for damage to the rented vehicle itself.
Whether the rented vehicle's own damage is covered depends on the owner's policy. Anything the insurance does not cover is handled under your rental agreement.
Protection Plans
Coming with a licensed insurer
We don't sell damage protection today. Optional protection plans will be offered at checkout once we partner with a licensed Nepali insurer. Until then, damage that the owner's insurance does not cover is handled under your rental agreement, using your security deposit first.
What's Not Covered
Vehicle insurance policies normally exclude the following, and your rental agreement makes you responsible for them.
Damage caused while driving under the influence of alcohol or drugs
Damage from racing, rally, or speed testing
Unauthorised cross-border use
Damage from deliberate or reckless misuse
Mechanical or electrical breakdown due to lack of maintenance
Personal belongings left inside the vehicle
Damage to a third party caused by an unregistered additional driver
Fines, traffic violations, or toll charges
Security Deposit
Each vehicle has a refundable security deposit, set by the owner and shown on the booking summary before you confirm.
The deposit is held by Travel Nest, not by the vehicle owner, and is released after the vehicle has been returned and inspected.
If damage is found, Travel Nest contacts you with the inspection details before any deduction. Only costs that the owner's insurance does not cover, and that your rental agreement makes you responsible for, are deducted; the rest is refunded.
In Case of an Accident
Follow these steps in order. Acting quickly protects everyone involved and gives the insurer what it needs.
Ensure Safety
Move to a safe location, call 100 (Nepal Police) if there are injuries, and seek medical attention if needed.
Document the Scene
Take clear photos of all vehicles involved, any damage, the road/environment, and the other party's licence plate and ID.
Notify Travel Nest
Call our support line or message us in the app as soon as it is safe to do so. Travel Nest handles all damage and accident communication — you don't need to negotiate with the owner yourself.
File a Police Report
For accidents involving injury or another party's vehicle or property, get a police report (case number). Insurers require it.
Return the Vehicle for Inspection
The vehicle is inspected when it is returned. Travel Nest reviews the inspection, the photos and the owner's insurance, then contacts you before anything is deducted from your deposit.
Reporting Damage
Report any damage or accident to Travel Nest through our contact page with the following:
- Your booking confirmation number
- Photos of all damage and the surrounding scene
- Police report number (required for third-party or injury claims)
- Names and contact details of any other parties involved
- A brief written account of what happened
Travel Nest coordinates with the owner and, where the owner's insurance applies, with the insurer. Cases involving an insurer or another party can take longer to settle.
Frequently Asked Questions
Is the vehicle I book insured?
Yes. Every listed vehicle must carry valid insurance — at least the third-party cover required by Nepalese law, preferably comprehensive. A vehicle whose insurance has expired is removed from search.
Can I buy extra damage protection?
Not yet. Protection plans will be offered at checkout once we partner with a licensed Nepali insurer. Until then, damage that the owner's insurance does not cover is handled under your rental agreement.
Does insurance cover me if someone else was driving?
Only drivers named on the booking may drive. Damage caused by anyone else is not covered by the vehicle's insurance and is your responsibility.
Who decides what is deducted from my deposit?
Travel Nest does, not the owner. We review the return inspection and photos, contact you with the details, and give you a chance to respond before any deduction.
Does the insurance apply on mountain or off-road routes?
Insurance applies on public roads in Nepal. Off-road use, racing and other prohibited activities are excluded by most policies and by your rental agreement.