Getting car insurance in Pakistan is straightforward when you have the right documents ready. Here is a complete, plain-language checklist for new policies, renewals and claims.
When buying a new comprehensive car insurance policy in Pakistan, you typically need the following:
Renewal is simpler than a new policy because your insurer already has most of your records. You typically need:
| Document | Required? | Notes |
|---|---|---|
| Current policy number | Required | From your existing policy document |
| CNIC copy | Required | If not already on file with insurer |
| Vehicle registration (log book) | Required | Copy is sufficient |
| Updated IDV | Required | You confirm current market value |
| GPS tracker certificate | If applicable | For high-value vehicles |
| Driving licence | Optional | Usually not re-requested at renewal |
When making a claim, the documents required depend on the type of claim:
For most car insurance processes in Pakistan, clear photocopies or scanned images (sent via WhatsApp) are sufficient. You do not need to submit originals for a new policy or renewal.
For claims, particularly theft or total loss, you may be asked to present original documents (log book, original keys) at a specific stage of the claims process. Your insurer will tell you exactly what is needed for your specific claim.
The vehicle registration book (commonly called the log book in Pakistan) is the official document issued by the Excise and Taxation Department confirming the vehicle's registration details and ownership. It includes the vehicle's make, model, engine number, chassis number and registered owner's name.
For insurance purposes, the log book confirms that you are the legitimate owner of the vehicle you are insuring. If you recently purchased a car, ensure the log book is transferred to your name before or immediately after taking out insurance.
Most Pakistani insurers require a GPS tracker for vehicles with a market value above approximately PKR 5–8 million. For lower-value vehicles, a tracker is optional but often recommended — it can reduce your premium and significantly helps in vehicle recovery after theft.
The tracker must be installed by an insurer-approved provider. SGI can recommend approved GPS tracker providers in your city. Installation typically costs PKR 15,000–25,000 once, with a small monthly monitoring fee.
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