Personal Auto Insurance
Personal Auto Insurance is an essential policy that protects drivers and vehicle owners across Pakistan.
Partnerships With Trusted Pakistani Insurance & Financial Providers
Personal Auto Insurance in Pakistan
Owning a car in Pakistan comes with responsibilities—and risks. From road congestion in Lahore, Karachi, and Islamabad to unpredictable weather, theft, and daily accidents, every journey can bring unexpected challenges.
With Pak Motor Guard, you get personal auto insurance designed to protect you, your car, and your finances from common risks on Pakistani roads. Whether it’s a simple fender-bender or a major accident, we ensure you’re never alone. Your vehicle is one of your biggest investments. With tailored coverage, fast claim processing, and trusted partners, Pak Motor Guard ensures you stay protected wherever you go.
At Pak Motor Guard, our mission is to make auto insurance simple, easy, and affordable for every driver in Pakistan. Use this guide to understand the basics of personal auto insurance and how it keeps you safe.
What is Personal Auto Insurance?
Personal Auto Insurance protects you from the financial impact of road accidents, vehicle damage, injuries, theft, vandalism, and third-party liabilities. In Pakistan, you are legally responsible for any damage you cause to others while driving. Without insurance, these costs can be extremely high.
A Personal Auto Insurance policy from Pak Motor Guard covers you against:
- Damage to your own vehicle
- Damage you cause to others (third party)
- Injury to you or your passengers
- Theft, snatching, or vandalism
- Weather-related damage or natural disasters
What does it cover?
Every driver has different needs. Someone driving a brand-new Corolla in Lahore may need more coverage than someone driving a commercial Suzuki in Faisalabad. That’s why we offer flexible and comprehensive coverage options.
1. Comprehensive Car Insurance
Comprehensive Car Insurance protects your vehicle against accidents, theft, fire, weather damage, and vandalism, offering complete financial security for repairs or replacement when unexpected events occur.
2. Third-Party Liability Insurance
Third-Party Liability Insurance covers damage to another person’s vehicle, property, or injuries caused by your car, ensuring legal compliance and protecting you from expensive compensation claims.
3. Personal Accident Coverage
Personal Accident Coverage provides financial protection for the driver and passengers by covering injuries, disability, and accidental death resulting from road accidents, ensuring essential support during emergencies.
4. Medical Payments Insurance
Medical Payments Insurance covers hospital bills, emergency treatment, medication, and ambulance costs after an accident, regardless of fault, giving you immediate medical support and peace of mind.
5. Replacement & Repair Assistance
Vehicle Replacement & Repair Assistance helps with repair costs, workshop coordination, and temporary replacement vehicles, ensuring you stay mobile even when your car is damaged or undergoing repairs.
6. Legal Expense Coverage
Legal Expense Coverage supports legal fees, court costs, and lawyer consultations arising from accident disputes or third-party claims, protecting you from unexpected legal and financial burdens.
How Much Does Personal Auto Insurance Cost?
- Vehicle make, model, and year
- Vehicle value
- Location (city)
- Driving history
- Vehicle usage (personal or ride-share)
- Safety features installed
- Claims history
On average:
- Third-Party Insurance starts from as low as Rs. 6,500 per year
- Comprehensive Insurance starts from Rs. 22,000 per year and increases based on vehicle value
When you fill out our online application, we assess your details to provide the best match. With our partnered insurance providers, we offer multiple price options so you can choose what works for you.
Common Claim Scenarios
🚗 Accident Damage
Problem: You’re driving in Lahore’s evening traffic and another vehicle hits your car. The repair costs are high.
Outcome: Your Comprehensive Auto Insurance covers parts, paint, and labor costs.
🛑 Third-Party Injury
Problem: You accidentally hit a motorbike, injuring the rider and damaging their bike.
Outcome: Your Third-Party Liability Insurance covers medical expenses and repair costs.
🔐 Theft or Snatching
Problem: Your car is stolen or snatched at gunpoint.
Outcome: Your Comprehensive Insurance reimburses the insured value of the car.
Frequently asked questions
What is the difference between Third-Party Insurance and Comprehensive Insurance?
In Pakistan, third-party insurance covers damages and injuries you cause to others in an accident, but not your own vehicle, and it is the legal minimum requirement. Comprehensive insurance is a higher level of coverage that includes third-party liability and also covers damage to your own vehicle from accidents, theft, fire, and natural disasters.
Is car insurance mandatory in Pakistan?
No, car insurance is not legally mandatory in Pakistan, but it is strongly recommended and considered the norm due to rising traffic accidents, theft, and vehicle damage. While the law doesn’t require it, it is essential for protecting yourself from financial burdens in case of an accident, injury, or theft.
Does auto insurance cover floods or rain damage?
In Pakistan, flood and rain damage to a car is not automatically covered by a standard third-party insurance policy. However, it is typically included in a comprehensive car insurance policy.
How long does it take to get a quote?
What Our Customers Say
Drivers across Pakistan trust Pak Motor Guard for reliable, affordable, and fast auto insurance. Here’s what our valued customers share about their experience with our coverage, service, and support.
