United Ajod Insurance Claim Process and Documentation Guide for 2026
25th April 2026, Kathmandu
United Ajod Insurance Limited has established a structured and transparent claim procedure. Whether you are dealing with a vehicle collision, a theft, or damaged cargo in transit, following the correct protocol is essential for a smooth settlement.
United Ajod Insurance Claim
As the insurance landscape in Nepal becomes more digitized in 2026, understanding the specific documentation and notification steps required by the United Ajod Insurance claim process will help you secure your compensation without unnecessary delays.
Motor Insurance Claim Procedure
Motor insurance is one of the most common areas for claims, ranging from minor fender benders to total loss scenarios. The bank emphasizes immediate action and documentation at the scene of the incident.
Immediate Steps After an Accident
If your vehicle suffers accidental damage, the first priority is documentation. If safe to do so, you should take clear photographs and videos of the vehicle, ensuring the number plate is visible. You must immediately dial 100 to contact the police control room and lodge a First Information Report at the nearest police office.
Formal Intimation and Contact Details
You must provide immediate intimation to the insurer to generate a claim number. This can be done by visiting the nearest branch office or contacting the central department. In 2026, the company uses dedicated email channels for different claim categories:
- Motor Claims: [email protected]
- Engineering Claims: [email protected]
- Property/Marine/Misc Claims: [email protected]
- Agriculture Claims: [email protected]
Document Submission for Motor Claims
To process the request, you must submit a duly filled claim form along with:
Advertisement
- A copy of the vehicle Bluebook (Registration Certificate)
- A valid driving license of the person at the wheel during the accident
- An estimate or quotation for repairs from a recognized workshop
- The police FIR and photographs of the damaged vehicle
For minor losses, the company may verify the damage via photographs, allowing for immediate repair. However, major damages require an inspection by a professional surveyor appointed by United Ajod. In significant cases, a spot survey at the accident site will be arranged.
Handling Vehicle Theft and Third Party Liability
In the unfortunate event of vehicle theft, the priority is to lodge an FIR immediately and provide a copy to the policy issuing office. Once received, the Final Police Report must be submitted. If the claim is approved, the owner must transfer the Bluebook to the insurance company’s name and provide a notarized letter of subrogation and indemnity.
For third party liability cases, where your vehicle has caused damage to another person or their property, you must inform the insurance company immediately. Any summons received from the District Administrative Office or Police Office must be forwarded to the insurer to allow their legal team to coordinate the defense or settlement.
Marine Insurance Claim Procedure
For businesses involved in trade, the marine claim procedure protects goods during transit. If a loss is discovered, the policyholder must take immediate steps to minimize further damage and inform the nearest United Ajod office.
Required documents for marine claims include:
- The original insurance policy or certificate
- Tax invoices and packing lists
- Bill of Lading or Airway Bill
- Bhansar Pragyapan Patra (Customs Declaration) for imported goods
- A copy of the monetary claim notice served to the carrier (transporter) and their reply
The company requires proof that the carrier was held responsible for the loss during transit before finalizing the insurance payout.
Important Terms for Salvage and Final Settlement
Across all categories, United Ajod Insurance may require the salvage of damaged parts to be deposited with the company after a claim is approved. For the final settlement, all cash memos and bills must be submitted with the insured person’s signature. By maintaining a clear paper trail and cooperating fully with appointed investigators and surveyors, policyholders can ensure that their claims are processed within the standard timelines defined by the Nepal Insurance Authority.
Conclusion
The United Ajod Insurance claim process is designed to be a reliable safety net for individuals and businesses across Nepal. By utilizing specialized email channels and a nationwide branch network, the company ensures that help is never far away. Whether you are filing a claim in Kathmandu or a remote province in 2026, the key to success lies in rapid notification and meticulous documentation. Keeping a copy of the claim form and contact numbers in your vehicle at all times is a proactive step toward managing any future financial risks.
For More: United Ajod Insurance Claim
