I had EFU for my 9th Gen for five years (2005-2010) imposed by UBL and had just a 2,500 rupees claim.
Then for my Mehran dealer gave me number of Askari General Insurance and I found them very good. Quick, no fuss on claims, replacement of parts, super fast processing and it was covered at 2.7 percent in 2013.
I contacted them again for Altis and bargained very hard and they finally gave me a special rate and I paid 49,000 rs and no tracker.
Had couple of claims as a biker broke the rear tail light. Was done/replaced in half an hour, paid some 8,00 depreciation on light which was for 17,500 rs. Then had another job earlier last month and again quick processing and I paid nothing as depreciation. So they are good.
They come to you on just phone call and renewals are very easy as I just TCS them the cheque and get documents on my desk.