Car insurance in Pakistan does not auto-renew. Here is exactly when to start, what to check, whether to switch insurers and how to avoid a gap in cover at renewal.
Unlike some countries, Pakistani car insurance policies expire and must be actively renewed. Driving with an expired policy is illegal and leaves you fully unprotected. Do not wait for your insurer to contact you — put a reminder in your calendar 3 weeks before expiry.
Check your current policy document for the expiry date. If you cannot find it, call your insurer or broker with your policy number and they will confirm it. Set a reminder 3 weeks before that date.
Your car's IDV (Insured Declared Value) is its current market value — not what you paid for it. As cars depreciate, your IDV decreases annually. At renewal, confirm the correct current market value rather than using last year's figure. Use our IDV calculator as a guide.
Renewal is the best time to shop around. Get quotes from your current insurer and at least 1–2 others. Rates can vary 15–25% between insurers for identical cover. WhatsApp SGI with your car details for a fast comparison quote.
Review your previous policy before renewing. Did you have add-ons you never used? Is your IDV still accurate? Are there exclusions you want to remove? Renewal is the chance to update your cover, not just repeat last year.
Once you have chosen your insurer and confirmed the premium, pay before your current policy expires. Even one day without cover is a risk. With SGI, you can pay and receive your policy the same day.
Keep your renewed policy document accessible — in your car's glove compartment or saved on your phone. You may need to show it at a police checkpoint or when making a claim.
| Document | Notes |
|---|---|
| Current policy number | From your existing certificate or policy document |
| CNIC copy | Policyholder's national identity card |
| Vehicle registration book (log book) | Original or copy — confirms ownership and vehicle details |
| Current IDV (market value) | You confirm this — insurer may do a spot check for high-value cars |
| GPS tracker certificate | If required by your insurer (usually for cars above PKR 5–8M) |
| Previous claims record | May be requested if switching insurers |
Renewal is the ideal time to switch car insurance companies in Pakistan. You have no obligation to stay — and in a market with multiple strong insurers (EFU, Adamjee, Jubilee, SGI, TPL), competition means prices and service quality vary meaningfully.
Consider switching if:
Switching is seamless — the new insurer handles the paperwork. Just ensure there is no gap between your old policy expiring and the new one starting.
If your policy expires and you drive without renewing, you are:
WhatsApp us your current policy number or car details and we can prepare your renewal quote the same day. No forms, no delays.
Renew on WhatsAppSame-day policy. WhatsApp us your details and we handle the rest.
