1. Introduction

Welcome to Pak Motor Guard. By accessing or using our website, services, or insurance-related offerings, you agree to comply with and be bound by these Terms & Conditions. Please read them carefully before proceeding.

2. About Pak Motor Guard

Pak Motor Guard operates as an insurance facilitation and service platform in Pakistan. We work with multiple licensed insurance companies and agencies to provide insurance solutions. Pak Motor Guard itself does not underwrite insurance policies unless explicitly stated.

3. Use of Website

You agree to use this website only for lawful purposes. You must not misuse, copy, modify, distribute, or attempt to disrupt the website, its services, or its content in any unauthorized manner.

4. Insurance Information & Quotes

All insurance information, quotations, and comparisons provided on this website are for informational purposes only. Final premiums, coverage terms, and policy conditions are determined by the respective insurance provider at the time of policy issuance.

5. Policy Issuance & Coverage

Insurance coverage becomes effective only after full payment of the premium and confirmation from the issuing insurance company. Coverage terms, exclusions, limits, and conditions are governed by the insurer’s policy document.

6. Claims & Claim Support

Pak Motor Guard assists customers with claim reporting and coordination. Final claim approval, settlement, or rejection decisions are made solely by the respective insurance company, based on policy terms and documentation.

7. Customer Responsibilities

Customers must provide accurate, complete, and truthful information during policy purchase and claim submission. Providing false, misleading, or incomplete information may result in policy cancellation or claim denial.

8. Payments & Refunds

All payments are subject to the payment terms of the insurance provider. Refunds, if applicable, will be processed according to the insurer’s cancellation and refund policy. Pak Motor Guard is not responsible for insurer refund timelines.

9. Third-Party Links & Services

Our website may contain links to third-party websites, insurers, or service providers. Pak Motor Guard is not responsible for the content, privacy practices, or services offered by third parties.

10. Intellectual Property

All content on this website, including logos, text, graphics, and design elements, is the intellectual property of Pak Motor Guard and may not be used without prior written permission.

11. Limitation of Liability

Pak Motor Guard shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our website, services, or reliance on provided information.

12. Privacy & Data Protection

We respect your privacy. Personal information collected through our website is handled in accordance with our Privacy Policy and applicable data protection laws in Pakistan.

13. Modifications to Terms

Pak Motor Guard reserves the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of our website constitutes acceptance of any changes.

14. Governing Law

These Terms & Conditions are governed by and interpreted in accordance with the laws of the Islamic Republic of Pakistan.

15. Contact Information

If you have any questions regarding these Terms & Conditions, please contact us:

• Phone: +92 305 1629 711
• Email: info@pakmotorguard.com