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General Insurance

Your Partner for Growth and Security

You can register your Motor Claim online through the MyRICB App. Once your claim is registered, we will reach out to you for further assistance. If you do not have access to MyRICB App, you can visit the nearest RICB office to report the claim.

No. You have to first produce the vehicle to the RICB for inspection before you start repairing it.

Yes. You have to report the accident to the Royal Bhutan Police to obtain a Motor Vehicle Accident Certificate to be able to process a motor claim.

No. You can only repair the vehicle in one of the RICB’s Partnered Automobile Workshops. You may refer to the “List of Our Partner Automobile Workshops here.

While we do our best to settle the claim within 15 days from the receipt of complete documents, the claim process, however, also depends on several factors like repair time, availability of parts, submission of documents, etc. But we try our best to deliver the claim settlement within or earlier than 15 days if complete documents are submitted to us.  

A general insurance policy provides financial assistance in case of damage to or loss of your insured property against insured risks. General insurance, property insurance and casualty insurance are other names of non-life insurance. General Insurance covers non-life assets, such as your home, vehicle, health, travel, theft, accidents and man-made disasters. 

Types of General Insurance? 

  1. Motor Insurance 
  2. Fire Insurance 
  3. Marine Insurance  
  4. Engineering Insurance 
  5. Aviation Insurance 
  6. Miscellaneous Insurance, includes health insurance, travel insurance, burglary insurance, personal accident insurance, etc.

The Sum Insured is the amount that the insurance company pays to the policyholder in the case of an unpredictable event caused by insured perils. It is the maximum amount payable as a whole under the Policy for all the insured perils during the Policy Period which is mentioned in the Schedule of the Policy. 

  • Consider the following factors while choosing the basic Sum Insured for your policy: 
  • If you are insuring an asset, you should consider the value of the asset being insured so that your damage or loss is compensated fully.  
  • In case you are insuring your health, opt for a sum that is sufficient to cover medical expenses in an emergency. 
  • Opt for a sum that should be sufficient to cover your financial responsibilities and help your nominee. 
  • Choose a sum that will meet/fulfil your contractual liability if any. 
  • Select an affordable sum insured that fits your budget. 

Different insurance will have their own set of parameters like nature of policy, benefits cover, risks factor and value of the property/sum insured opted and previous claim histories etc. Example: For vehicle insurance, it’s the cost of the vehicle, age & condition of your vehicle, type of vehicle & coverage opted. For Fire insurance, it’s the value of the building, age of the building, construction type of your building & coverage taken. 

By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. An agent will help you deliver quality insurance with competitive pricing and local personalized service. There won’t be any premium difference between the insurance availed through an agent or through direct insurance.