Bhutan Insurance Limited offers two types of motor insurance covers viz; Comprehensive and Third Party Liability

1. Instant Policy Issuance.

2. No Claim Bonus(NCB)- if you do not make a claim during the policy period, a NCB is offered on renewal. This discount can go as high as 60% for private vehicles and 40% for commercial Vehicles (NCB will be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy).

3. One can transfer full benefits of No Claim Bonus when one shifts their motor insurance policy from another company to Bhutan Insurance.

4. Option to protect accessories like music system, alloy wheels etc in your car.

5. Free renewal reminder services.

6. Free insurance advice & quotes.

7. Bhutan Insurance provides personal service through agents and employees with total commitment to customer service.

8. Reliable and prompt assignment of loss adjustment.

Bhutan Insurance Comprehensive Motor Insurance provides cover for any loss or damage to your vehicle or the accessories due to:

Natural Calamities: fire, explosion, self ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Man-made Calamities: burglary, theft, riot, strike, malicious act, accident by external means, any damage in transit by road, rail, inland water, lift, elevator or air, etc.

The Motor insurance provides compulsory personal accident cover for individual owners of the vehicle while driving and accident cover for passengers.

Covers limited legal liability due to accidental damage for any permanent injury or death and unlimited legal liability for any damage caused to property.

Some of the main exclusions are:

Mechanical breakdown, consequential loss, depreciation, wear & tear, any contractual liability, intoxicated driving, deliberate accidental loss, damage due to nuclear weapons material or war.