Commercial Transportation Insurance
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Commercial Transportation Insurance in Pakistan
Operating buses or trucks on Pakistan’s highways comes with significant risks, from traffic accidents and theft to cargo damage and passenger injuries. A single accident can cost thousands in repairs, medical bills, or legal fees.
With Pak Motor Guard, you get comprehensive commercial auto insurance designed to protect your fleet, drivers, and business finances. Our policies are tailored for trucking companies, bus operators, and logistics providers, ensuring you stay operational and compliant with Pakistani laws.
We aim to make insurance simple, quick, and reliable, giving fleet owners peace of mind while keeping Pakistan moving.
What is Commercial Transportation Insurance?
Commercial Transportation Insurance covers buses, trucks, and transport vehicles against financial losses due to accidents, theft, natural disasters, and third-party liabilities.
- Policies typically include:
- Vehicle damage protection
- Liability for third-party injury or property damage
- Passenger accident coverage
- Cargo protection
- Legal and repair support
Coverage Options in Commercial Transportation
Commercial transportation insurance offers flexible protection for trucks, buses, and delivery fleets. It covers accidents, property damage, liability, cargo loss, and driver safety ensuring your business stays protected on every route and every trip.
1. Comprehensive Commercial Coverage
Protects all commercial vehicles in your fleet against accidents, fire, theft, weather damage, and vandalism, ensuring financial stability for repairs or replacement.
2. Third-Party Liability Insurance
Covers damage or injury caused to others by your commercial vehicle. Essential for compliance with Pakistani transport regulations and to avoid costly lawsuits.
3. Passenger Accident Coverage
Provides financial protection for passengers injured in accidents while using your buses, ensuring your business supports victims responsibly.
4. Cargo Insurance
Protects goods carried in trucks against theft, fire, or damage during transportation, safeguarding both your business and client trust.
5. Vehicle Replacement & Repair
Helps arrange repairs, coordinate workshops, and provide replacement vehicles so operations continue smoothly even after major incidents.
6. Legal Expense Coverage
Covers legal fees arising from accident disputes, third-party claims, or regulatory issues, protecting your business from unexpected financial burdens.
Who Needs Commercial Transportation Insurance?
Any business that operates buses, trucks, or commercial transport services should protect their vehicles and passengers. We serve:
- Trucking & logistics companies
- Bus operators & coaches
- Ride-sharing fleet owners
- Freight & cargo companies
- School bus services
- Long-distance passenger transport
How Much Does Commercial Auto Insurance Cost?
Costs vary depending on:
- Number of vehicles in the fleet
- Vehicle type and value
- Routes and distance covered
- Driving records of operators
- Cargo type
- Passenger capacity
On average:
- Bus Insurance starts around Rs. 25,000 per year
- Truck/Fleet Insurance starts around Rs. 20,000 per vehicle per year
Pak Motor Guard partners with multiple insurance providers to offer competitive rates and flexible coverage for every fleet size.
- Small delivery car: Starting from Rs. 14,000 yearly
- Vans and pickups: Starting from Rs. 26,000 yearly
Trucks and heavy transport: Based on capacity and route
Pak Motor Guard partners with top Pakistani insurers to provide multiple competitive quotes tailored to your business.
Common Claim Scenarios
🚛 Truck Accident
Problem: One of your trucks collides with another vehicle while delivering cargo.
Outcome: Comprehensive Fleet Insurance covers repair costs and cargo replacement, ensuring business continuity.
🚌 Passenger Injury
Problem: A passenger is injured while boarding a bus.
Outcome: Passenger Accident Coverage covers medical expenses and supports the injured party.
🔐 Vehicle Theft or Fire
Problem: A truck is stolen or damaged in fire.
Outcome: Insurance covers replacement or repairs, minimizing financial loss.
Customized Protection for Every Vehicle in Your Fleet
Every transportation business is different —and so are the vehicles you rely on. From small commercial cars to heavy-duty trucks and trailers, we provide insurance solutions for them all. We help you choose the right coverage for your company’s needs. With so many risks on the road, having the proper policy in place protects your business from unexpected losses.
Frequently asked questions
Who needs transportation insurance in Pakistan?
Any business that uses vehicles for delivery, logistics, travel, or goods movement should have transportation insurance. This includes trucking companies, bus services, rental fleets, distributors, wholesalers, retailers, and individual commercial vehicle owners.
What is not covered under transportation insurance?
Common exclusions include:
- Damage caused by illegal activities
- Unlicensed drivers
- Overloading beyond allowed limits
- Mechanical failure
- Normal wear and tear
Coverage may vary by policy.
What documents are required to get transportation insurance?
You usually need:
- CNIC
- Vehicle registration book (RC)
- Tax documents
- Driver’s license copy
- Business details (if applicable)
Can I get a customized insurance plan for my fleet?
What Our Customers Say
Read what businesses across Pakistan say about our Commercial transportation insurance. Discover real experiences from fleet managers and company executives who trust Pak Motor Guard for reliable coverage, quick claims, and professional support.
