Car Insurance Securing your car made easy & hassle-free!
Pocket-friendly plans
Quick claims
Get a insurance quote – typically in 2 minutes or less.
Why our customers love us?
And, we think you will too.
What is car insurance?
A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third party liabilities as well. If you own a car in India, having third party insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free.
Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.
What risks does your policy cover?
Types of Car Insurance in Pakistan
Comprehensive Car Insurance
With comprehensive coverage, you can claim for accidents that are deemed to be your fault. It also applies when fault can’t be proven, eg when someone hits your car and runs away. Without comprehensive, you risk having to pay for repairs yourself. A comprehensive policy gives you full protection and peace of mind.
Third Party Insurance
Third-party car insurance offers cover against any legal liability to a third party caused when you are at fault. It covers any damage and injuiry caused by the insure, to another person or property. A third-party liability cover is made mandatory in Pakistan under the the Car vehicle Act,1939.
Things to keep in mind while buying a car insurance policy
When you’re shopping for the right car insurance online, here are some points to remember.
Policy coverage
Check the policy inclusions and exclusions thoroughly to know what’s covered and what’s not. Choose the right type of policy & coverage to ensure that you are well protected at the time of claim.
Add-ons
Add-ons come with great benefits at a nominal extra charge and each one of them serves a specific purpose. Evaluate them closely and pick the ones you need to cover your car against accidental damages reasonably.
Service benefits
Availability of cashless garages, easy claims process and reliable customer support are a must.
Right Insured Declared Value (IDV)
While you can save on premium by choosing a lower IDV, it will serve you good at the time of claim if you get an IDV close to your car’s market value while buying the policy.
Why should you buy a comprehensive car insurance policy?
Here are six benefits that are hard to pass up.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Saves you from traffic fine
As per the new Motor Vehicle Act 2019, you can get a traffic fine of ₹2000 for driving without car insurance. If you get caught for a second time, the penalty would be ₹4000.
Provides personal accident coverage for owner driver
Our car insurance policy provides ₹15 lakh coverage for injuries to the registered owner driver while travelling in the car, or getting in or off the car.
Gives easy access to cashless garages
We have a network of 4300+ cashless garages that take care of your car post damage. We pay for the repairs as per the claim and settle the dues directly with the garage.
Covers damages to the car
Our car insurance policy covers any damages to your car due to accidents or natural calamities and takes care of the repair costs.
Covers your car against theft
In case your car is stolen and cannot be recovered, we pay for your loss.
What factors impact Insured’s Declared Value (IDV)?
IDV plays a key role in determining your car insurance price
In a car insurance policy, the Insured’s Declared Value (IDV) is the fixed value at which we insure your vehicle. We calculate the policy sum insured based on the manufacturer’s listed selling price of the vehicle + the listed cost of any accessories. We derive the amount after deducting the depreciation for every year as per the Indian Motor Tariff.
Suppose you have installed any electronic item in the car, which is not included in the manufacturer’s listed selling price. In that case, we add the actual value (after depreciation) of the item to the policy sum insured over and above the IDV.
How can you save on your car insurance premium?
No matter what type of car you drive, certain discounts can bring down your car insurance price.
No Claim Bonus (NCB)
If you made no claims in the past years, you get up to 50% NCB.
Security measures
If you’ve taken special measures to keep your car from getting stolen, you are eligible for a discount. Typically, you would receive a 2.5% discount for fitting an anti-theft device (approved by ARAI) on your car.
It is unwise to reduce IDV to save on premium. In case of an accident, you would find yourself at a disadvantage. Instead, ride safe and take security measures to get discounts on car insurance.
How do you get an online car insurance quote?
It’s quite simple –
- Enter your car registration number and your contact details.
- Check out the covers at affordable prices for your car and select the cover you like.
- You can also personalise your plan with useful add-ons like Roadside Assistance, Zero Depreciation, Engine Protect, Garage Cash & Consumables Protect.
Based on your choices, we will calculate and display your premium instantly.
What are the benefits of renewing your car insurance online?
Renewing your car insurance online is just a matter of a few clicks. Some of the benefits of online car insurance renewal include –
- Fast and convenient
- No additional paperwork
- Instant policy
- No break in coverage
- No claim bonus
