Top Car Insurers in Pakistan Compared
Estimated Insurance Cost by Car
How to Claim Car Insurance in Pakistan
Insurance FAQs
What is the difference between comprehensive and third-party car insurance?
Comprehensive covers damage to your own car (accident, theft, flood, fire) plus third-party liability (damage to others). Third-party only covers damage you cause to others — your car damage is NOT covered. For any car worth over Rs. 10 Lakh, comprehensive is strongly recommended.
How much does comprehensive car insurance cost in Pakistan?
Typically 3–5% of the car's market value annually. A Rs. 50 Lakh car would cost Rs. 1.5–2.5 Lakh per year. Discounts for trackers (10–20%), named drivers, and no-claim bonuses reduce premiums.
Does my insurance cover floods and natural disasters?
Most comprehensive policies in Pakistan include coverage for flood, storm, and natural disasters under Act of God clauses. Always read your policy schedule carefully — some cheaper policies exclude these. Verify this specifically when buying.
What is a tracker discount and how do I get it?
Installing a GPRS vehicle tracker entitles you to 10–20% premium discount from most insurers. Popular tracker brands in Pakistan: Cartrack, TrackOn, SWVL trackers. The insurer must approve the tracker brand.
Can I insure a used car in Pakistan?
Yes. Used cars can be insured at their current market value (Insured Declared Value / IDV). Provide the registration book and current market value. Premiums are based on IDV, not purchase price.
What documents do I need to make a claim?
Generally: CNIC copy, insurance policy copy, original registration book (Form-B), claim form, photos of damage, police report (if required), and repair estimate from workshop.