Protect Your Investment

Find the perfect car insurance coverage at competitive rates

Protected car

Why insuring your car matters

Your vehicle is more than just transportation—it's a valuable asset that needs protection. At KHUDCAR, we've partnered with Pakistan's leading insurance providers to offer comprehensive coverage options that safeguard your car against accidents, theft, natural disasters, and more. Our goal is to make car insurance simple, affordable, and tailored to your specific needs.

Compare plans from multiple insurers in minutes and save up to 30% on premiums!

Insurance Coverage Options

Third Party Insurance

Third Party Liability

Basic legal requirement that covers damages or injuries you cause to others. Does not cover damage to your own vehicle.

Third party injury coverage
Third party property damage
Legal liability coverage

Starting from Rs. 5,000/year

Comprehensive Insurance

Comprehensive Coverage

Full protection for your vehicle against accidents, theft, fire, natural disasters, and third-party liabilities. The most popular choice.

Third party liability coverage
Own damage coverage
Theft & fire protection
Natural disaster coverage

Starting from Rs. 15,000/year

Premium Insurance

Premium Protection

Our highest level of protection with enhanced benefits, zero depreciation, roadside assistance, and additional perks for luxury vehicles.

All comprehensive benefits
Roadside assistance
Zero depreciation cover
Engine protection
Return to invoice cover

Starting from Rs. 25,000/year

Our Insurance Partners

Adamjee Insurance

Established 1960

One of Pakistan's largest insurers with an extensive network of branches and claim centers across the country. Known for quick claim settlement and excellent customer service.

Claim Settlement Ratio 93%

Key Benefits:

  • 24/7 customer support
  • Cashless claims at 500+ garages
  • Mobile app for easy claim filing

EFU General Insurance

Established 1932

Pakistan's oldest insurance company with over 90 years of experience. Offers comprehensive coverage options with competitive premiums tailored to individual needs.

Claim Settlement Ratio 95%

Key Benefits:

  • Hassle-free claim process
  • Special discounts for safe drivers
  • Free annual vehicle inspection

Jubilee General Insurance

Established 1953

A trusted name in Pakistan's insurance sector, offering innovative solutions and digital-first services. Known for transparent policies and flexible coverage options.

Claim Settlement Ratio 91%

Key Benefits:

  • Online claim tracking system
  • No-claim bonus up to 50%
  • Personal accident cover for driver

UBL Insurers

Established 1959

Backed by the global expertise of AIG, offering premium insurance products with international standards of service and innovative coverage options.

Claim Settlement Ratio 89%

Key Benefits:

  • International coverage extensions
  • Premium roadside assistance
  • Replacement car benefit

IGI Insurance

Established 1967

Part of the reputable IGI Group, offering comprehensive motor insurance with specialized packages for different vehicle types and usage patterns.

Claim Settlement Ratio 92%

Key Benefits:

  • Quick claim settlement (48 hours)
  • Key replacement coverage
  • Special coverage for hybrid vehicles

Askari General Insurance

Established 1995

Backed by Army Welfare Trust, offering reliable insurance solutions with excellent customer service and streamlined claim processes for private vehicles.

Claim Settlement Ratio 90%

Key Benefits:

  • Special rates for armed forces personnel
  • Geographical extension options
  • Loss of use compensation

Benefits of Car Insurance

Financial Protection

Shield yourself from unexpected repair costs and potential financial losses due to accidents

Legal Compliance

Meet the mandatory third-party insurance requirements under Pakistan's motor vehicle laws

Peace of Mind

Drive with confidence knowing you're protected against unforeseen circumstances on the road

Third-Party Coverage

Protection against financial liability for damage or injuries you cause to others in an accident

How to Choose the Right Insurance

Factors to Consider

  • Vehicle Age & Value

    Newer, more valuable cars benefit from comprehensive coverage, while older cars might need basic protection.

  • Driving Experience

    Experience affects premium rates. New drivers might pay more but can benefit from comprehensive coverage.

  • Budget Constraints

    Balance cost with coverage. Don't sacrifice essential protection to save on premiums.

  • Usage Pattern

    How and where you drive affects your coverage needs. Consider daily commutes vs. occasional use.

  • Claim Settlement Record

    Research the insurer's reputation for handling claims and customer service reviews.

Common Mistakes to Avoid

  • Choosing Based on Price Alone

    The cheapest policy may leave significant coverage gaps. Focus on value rather than just the premium amount.

  • Ignoring the Fine Print

    Always understand what's excluded from your policy. Limitations and exclusions can be critical during claims.

  • Incorrect Valuation

    Over or undervaluing your vehicle can lead to inadequate coverage or unnecessarily high premiums.

  • Not Reviewing Annually

    As your car ages and its value changes, your insurance needs will also change. Regular reviews ensure optimal coverage.

  • Forgetting to Compare

    Don't settle for the first quote. Different insurers offer varying rates for the same coverage levels.

Get a Free Insurance Quote

Fill out the form below to receive personalized insurance quotes from our partner companies. Our insurance experts will help you choose the best coverage for your needs.

Frequently Asked Questions

Yes, third-party liability insurance is legally required for all vehicles in Pakistan under the Motor Vehicles Act. It covers damages or injuries caused to third parties. However, comprehensive insurance that also covers your own vehicle is optional but highly recommended.

Several factors influence your premium, including your vehicle's make, model, and age; your driving experience and history; the vehicle's market value; your age and occupation; the type of coverage selected; and your location. Insurance companies also consider the vehicle's security features and where it's parked overnight.

First, inform your insurance provider immediately about the incident and file a First Information Report (FIR) with the police if required. Your insurer will assign a surveyor to assess the damage. After assessment, take your vehicle to an authorized workshop for repairs. For cashless claims, the insurer settles directly with the workshop; otherwise, you'll need to pay first and claim reimbursement.

Insured Declared Value (IDV) is the maximum amount your insurer will pay if your vehicle is stolen or damaged beyond repair. It's calculated based on the manufacturer's listed selling price minus depreciation based on the vehicle's age. For new cars, IDV is typically 95% of the showroom price, while for older vehicles, the depreciation percentage increases with age.

Yes, comprehensive car insurance typically covers damage from natural disasters like floods, earthquakes, hurricanes, and landslides. However, coverage may vary between insurers and policies. Some basic policies might exclude certain natural events, so it's important to verify specific coverage details in your policy document.

No Claim Bonus (NCB) is a discount on your premium that increases each claim-free year, typically starting at 20% after the first year and increasing up to 50% after five consecutive claim-free years. NCB is transferable when you change vehicles or insurers. However, making even a single claim can reset your NCB to zero, so it's sometimes worthwhile to pay for minor repairs yourself rather than filing a claim.

You cannot directly transfer the insurance policy to a new car, but you can transfer your No Claim Bonus (NCB) to your new vehicle's policy. When selling your old car, you'll need to inform your insurer and request an NCB certificate. This certificate can then be submitted when purchasing insurance for your new vehicle to receive the accumulated discount.

You'll typically need your vehicle registration certificate, driving license, previous insurance policy (if applicable), vehicle invoice (for new cars), and a valid form of ID such as your CNIC. For NCB transfer, you'll also need an NCB certificate from your previous insurer. Some insurers might request additional documents like inspection certificates or photos of the vehicle.

Why Choose KHUDCAR for Insurance?

We compare quotes from multiple top insurers so you get the best coverage at the most competitive rates. Our insurance experts provide personalized advice with no obligation.

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