In the performance of last August 23 and 24, it was found that 73.92 percent of the insurance claims for damage to physical structures were for vehicle (motor) insurance. Until Dasain, there were 2,988 claims worth 23 billion 39 billion 27 lakh rupees in insurance companies. Out of that, 2,209 claims worth 3.65 billion 4 lakh rupees have been demanded.

While assessing the claims, it appears that many vehicles were damaged during the demonstration. Stakeholders say that more number of vehicles have been damaged than the insurance claims. According to Finance Ministry sources, more than 1,200 government vehicles have been damaged.

Many of them are not insured. It is said that the insured vehicles also belong to the third party only. Many private vehicles were also damaged. However, many of them are not insured. All the vehicles that were damaged were not covered by insurance as they were insured only by the third party. On the basis of the

amount, the highest number of claims are under property insurance. Property insurance covers immovable property including houses and apartments. 594 insurance claims have been made under this insurance. In this, 19.3 billion 2.8 million rupees have been demanded. This is slightly more than 81 percent of the total claims made. 23 billion 39 billion 27 million rupees have been demanded in a total of 2 thousand 988 claims till Dasain.  Of the total insurance claims against

companies (number) when vehicle and property insurance are combined, it comes to about 94 percent. Looking regionally, it is seen that the highest number is in Bagmati. This is shown by the data of insurance claims made by property owners. According to this, only 54 percent or 1,608 claims have been made in Bagmati. 

Second, 377 claims have been filed. Thirdly, there are 323 claims in Madhesh. According to the insurance authority, there were 254 insurance claims in Lumbini, 219 in Gandaki, 182 in Far West and 25 in Karnali.  Based on the

amount, about 77 percent of the claims are in Bagmati, according to the authority's data. According to the latest data, out of the 23.5 billion rupees claims, the highest amount is 18.43 billion rupees from Bagmati. This is 77.12 percent of the total claim amount. Thus, on the basis of the mentioned data for insurance claims, it can be analyzed that more than half of the number and about 80 percent of the damage in terms of amount has been in Bagmati.

 Although not all damaged structures are insured, in some cases the damage may have been greater with a small amount of insurance. Government structures are not insured except in Nepal. This means that insurance claims do not include damage to government structures. Therefore, it is difficult to get the exact details of the damage based on the insurance claim. 

So far, 104 claims have been made in engineering and contractor risk insurance, 11 in transportation insurance and 30 in others. However, as this is an initial claim, many claims will be received and not all of them will actually be paid out, the insurance companies said. As insurance claims for damage to physical structures in the exhibition continue to come in, it is expected to increase further. It is estimated by the insurance companies that there will be a claim worth about 25 billion rupees.  Out of the