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Car Insurance

Buying a car is a big investment. Every car owner wants to make sure his/her investment is safe. Insurance is a way to do that. Auto insurance gives you coverage for road accidents, theft, fire, and other unforeseen damages. Depending on the type of auto insurance policy that you sign up for, you get financial coverage for:

  • Repair costs of your vehicle
  • Parts replacements of your vehicle
  • Bodily injuries of the driver and passengers
  • Repair costs of the third-party vehicle
  • Parts replacements of the third-party vehicle
  • Bodily injuries of the third-party driver and passengers

Car insurance also gives you a piece of mind so you can drive your vehicle without being worried about damages and accidents.

Types of Car Insurance in Pakistan

There are different types of car insurance in Pakistan. Each type covers different situations and incidents. You can choose the one that goes with your budget and needs.

Comprehensive Car Insurance

As the name suggests, comprehensive car insurance covers everything. You (the primary driver), your vehicle, and also the damage done to a third-party in case you get in an accident. Comprehensive car insurance provides you protection for all kinds of circumstances, accidents, theft, vandalism, natural disasters, etc. 

  • Got yourself in a road accident? Your car insurance company will cover the damages done to your vehicle as well as the third-party involved in the accident.
  • Someone stole your car? Your car insurance company will pay you to get a new one.
  • Your car caught fire? Your car insurance company will pay you to recover or replace it.
  • Comprehensive car insurance is the best type of insurance, recommended to all vehicle owners.

Third-Party Liability Car Insurance

Third-party car insurance is for road accidents that are your fault. It only covers the damages done to the other driver involved in such accidents. The insurance company will pay for the vehicle damages, bodily injuries, and death of the passenger/driver of the third-party.

 

Under the Motor Vehicle Act 1939, Third-party liability car insurance is mandatory for all drivers. If not, the driver will be charged with a fine or even imprisonment.

Collision Car Insurance

Collision car insurance is for accidents where your car collides with another vehicle or object, or you have an unfortunate single-car rollover accident. It covers the damage done to your car and bodily injuries of yourself and your passengers. Weather conditions and natural disasters are not included in this type of insurance.

 

Drivers should go for collision car insurance because it protects you, your car, and your family. 

Why do you need car insurance in Pakistan?

Vehicle insurance keeps you, your car, and your family safe and gives you a piece of mind. It provides you financial coverage for vehicle damages, bodily injuries, and third-party liabilities in case of road accident, collision accident, fire, theft, and other unfortunate events. 

Is it mandatory to have auto insurance in Pakistan?

Only third-party liability insurance is mandatory in Pakistan. According to the traffic laws of the country, every responsible driver must oblige with his/her legal duty of paying for a third-party’s damages in case of accidents. Otherwise, he/she will be fined or sent to prison for violating this strict traffic rule.

How to get auto insurance in Pakistan?

There are a number of car insurance providers in the major cities of Pakistan. You can spend hours searching for the best car insurance companies and assessing their plans, or you can use PakWheels’ car insurance calculator to check the estimated insurance value of your vehicle. You can also get car quote for insurance from a number of available insurance companies with PakWheels, compare their quotes, and buy the best car insurance deal. 

How much will you be paying to the car insurance company?

Different car insurance companies charge different annual “premium” for your car insurance. That premium also depends on the model, age, and total value of your vehicle.

What will the insurance company cover?

This depends on the type of car insurance plan you choose to sign up for. If you take comprehensive insurance, your car insurance provider will cover the recovery expenses for you (the driver), your vehicle, and the third-party. If you go for third-party liability car insurance, your car insurance provider will only pay for the damages done to the third-party. If you buy collision insurance, your car insurance provider will help you, your vehicle, and your family recover from unfortunate car collision accidents.

How can you claim your car insurance?

In case you find yourself in a car accident, car theft, or any other incident covered under your insurance policy, the first thing to do is call your car insurance provider’s helpline number. Explain them your situation ().Give them your insurance policy number for reference. The company will assign you a surveyor who will come to you, examine your car, and report back to the company. They will take it from there. 

Can you cancel your insurance plan?

Yes, there’s an option for you to cancel your car insurance plan. However, the choice is subject to some terms and conditions set by your car insurance company. You may check those conditions in your insurance agreement.

Do you need to get separate insurance for multiple vehicles?

Yes, you need to sign up for separate insurance policies for each of your vehicles. Some insurance companies do provide a single insurance number for multiple vehicles. But, even then you pay a separate premium amount for each vehicle.


 

Frequently Asked Questions

Vehicle insurance keeps you, your car, and your family safe and gives you a piece of mind. It provides you financial coverage for vehicle damages, bodily injuries, and third-party liabilities in case of road accident, collision accident, fire, theft, and other unfortunate events.
Only third-party liability insurance is mandatory in Pakistan. According to the traffic laws of the country, every responsible driver must oblige with his/her legal duty of paying for a third-party’s damages in case of accidents. Otherwise, he/she will be fined or sent to prison for violating this strict traffic rule.
There are a number of car insurance providers in the major cities of Pakistan. You can spend hours searching for the best car insurance companies and assessing their plans, or you can use PakWheels’ car insurance calculator to check the estimated insurance value of your vehicle. You can also get car quote for insurance from a number of available insurance companies with PakWheels, compare their quotes, and buy the best car insurance deal.
Different car insurance companies charge different annual “premium” for your car insurance. That premium also depends on the model, age, and total value of your vehicle.
This depends on the type of car insurance plan you choose to sign up for. If you take comprehensive insurance, your car insurance provider will cover the recovery expenses for you (the driver), your vehicle, and the third-party. If you go for third-party liability car insurance, your car insurance provider will only pay for the damages done to the third-party. If you buy collision insurance, your car insurance provider will help you, your vehicle, and your family recover from unfortunate car collision accidents.
In case you find yourself in a car accident, car theft, or any other incident covered under your insurance policy, the first thing to do is call your car insurance provider’s helpline number. Explain them your situation ().Give them your insurance policy number for reference. The company will assign you a surveyor who will come to you, examine your car, and report back to the company. They will take it from there.
Yes, there’s an option for you to cancel your car insurance plan. However, the choice is subject to some terms and conditions set by your car insurance company. You may check those conditions in your insurance agreement.
Yes, you need to sign up for separate insurance policies for each of your vehicles. Some insurance companies do provide a single insurance number for multiple vehicles. But, even then you pay a separate premium amount for each vehicle.