Maximum cover
Up to NPR 10,000*
For loss or damage caused by the events listed below.
Parcel Insurance is here
Included on every eligible delivery booked through the Yango app.
Your parcel cover
What is deducted?
5% of parcel value
This amount is taken off an approved claim. If 5% is less than NPR 100, NPR 100 is deducted instead.
What’s covered
Road accidents
Loss or damage caused by a road accident.
Fire and explosions
Fire, lightning and explosions from an external source.
Theft and robbery
Robbery involving threats of force, or theft with visible signs of forced entry.
Natural disasters
Flash floods, landslides and earthquakes on the delivery route.
Which deliveries are covered?
Where you can send
Two- and four-wheel deliveries within Kathmandu Valley, booked and recorded in the Yango app.
What you can send
Parcels valued at NPR 10,000 or less, securely packed, with the correct value entered before delivery.
When cover applies
During the active delivery recorded in the app, until it is marked Completed or Cancelled.
How to make a claim
- 1
Message Yango support
Message support in the app within 24 hours, even if your documents aren’t ready. Include your order ID and what happened, when and where.
- 2
UAIL contacts you
Support sends the verified incident details to the insurer, United Ajod Insurance Limited (UAIL), which contacts you for the claim documents.
- 3
Receive the decision
UAIL assesses the claim and, if approved, pays the settlement after receiving your signed settlement form.
Documents for your claim
After you contact Yango support, UAIL will get in touch to request your documents. Send them directly to UAIL within 7–14 days of the incident.
- App trip record
- Proof of delivery, where applicable
- Photos of the loss or damage
- Invoice or proof of the declared value
- Police report — required for every claim, including small losses
UAIL will also request a completed claim form and any other evidence needed to assess your claim. For repaired items, this includes the repair quotation and VAT bill.
Questions and conditions
How is my payout worked out?
UAIL assesses the covered loss, up to the value you entered for your parcel or NPR 10,000, whichever is lower. It then subtracts 5% of the parcel’s declared value, with a minimum deduction of NPR 100.
Example. For a parcel valued at NPR 10,000, an approved claim of NPR 10,000 would pay NPR 9,500 after a NPR 500 deduction.*
Do I need a police report?
Yes. UAIL requires a police report for every claim, including small losses. Contact Yango support within 24 hours; you do not need to wait for a police report to notify support. UAIL will then contact you for the claim documents.
What if I don’t have an invoice?
UAIL can assess the item using its description, the value entered in the app, and supporting photos, chats or order details. It uses the lower of the declared value and its reasonable estimate of the item’s market value, before deductions and policy limits.
Who receives my claim documents?
Send them directly to UAIL. Yango support verifies the delivery and passes the incident details to the insurer; UAIL requests the documents, assesses the claim and handles payment.
How long does payment take?
Once assessment is complete, UAIL issues a settlement form within three working days. After receiving your signed form, it transfers the approved payment within three working days.
What’s not covered?
- Offline, private or unrecorded deliveries, or delivery in a vehicle other than the one booked
- Claims without the required digital proof of delivery or valid app trip record
- Loss outside the active delivery, during unapproved stops or on detours made for personal reasons
- Unattended parcels or theft without threat of force or visible forced entry
- Damage or defects that existed before the delivery
- Poor packaging or the parcel’s own nature, including normal spoilage or breakage caused by inadequate packing
- Illegal or prohibited cargo, including explosives, hazardous chemicals and unauthorised livestock
- Intentional damage, deliberate negligence or self-inflicted loss
- Incidents involving alcohol or drug intoxication
- Loss arising from physical altercations
- War, civil unrest or nuclear risks
- Indirect or consequential losses, including losses caused by delay
Download Yango
Send a parcel with extra peace of mind.
Insurance is provided by United Ajod Insurance Limited, with coordination support from Khalti Suraksha, for parcels valued at NPR 10,000 or less. Cover is subject to the policy terms, the payout deduction, exclusions and available limits.
* A shared payout limit of NPR 20,000 per day applies across all claims. The total limit across all claims during the policy period is NPR 140,000.