Quick answers about car insurance and travel insurance in Pakistan. Can't find what you need? WhatsApp us directly.
Yes. We price and arrange cover digitally — get an instant estimate from our car calculator, then your exact quote and policy over WhatsApp. No office visit needed. Everything is handled remotely from anywhere in Pakistan — or anywhere in the world.
We serve customers across all of Pakistan — Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, Multan, Peshawar, Quetta, Hyderabad, Sialkot, Gujranwala and every other city. Everything is handled via WhatsApp and phone.
Yes. If you are living in the UK, UAE, Saudi Arabia, USA, Canada or anywhere else, you can arrange car or travel insurance for your family in Pakistan through us via WhatsApp. We handle everything remotely — your family does not need to visit any office.
Two core products: comprehensive motor (car) insurance and travel insurance for domestic and international journeys. Both are arranged quickly via WhatsApp with same-day policies available.
Comprehensive car insurance covers: accidental damage, theft and snatching, fire and explosion, natural disasters (floods, storms, hail), and third-party liability (damage or injury you cause to others). See our full guide on comprehensive vs third-party.
IDV (Insured Declared Value) is your car's current market value — the maximum the insurer pays if your car is stolen or declared a total loss. Your annual premium is a percentage of your IDV. Use our IDV calculator to estimate your car's current value.
Comprehensive car insurance in Pakistan typically costs 1.5% to 3% of your car's IDV per year. For a car worth PKR 4,000,000, that is PKR 60,000–120,000/year. Use our car calculator for an instant estimate.
For vehicles above approximately PKR 5–8 million in value, most Pakistani insurers require a GPS tracker. For lower-value cars it is optional but can reduce your premium. We will confirm exactly what applies to your specific vehicle.
You need: CNIC copy, vehicle registration book (log book), driving licence copy, and the car's current market value. For financed cars, a bank hypothecation letter is also needed. Copies sent via WhatsApp are sufficient — no originals needed upfront.
Comprehensive covers your own car (accident, theft, fire, flood) plus third-party liability. Third-party only covers damage or injury you cause to others — your own car is not covered at all. For any car worth protecting, comprehensive is the right choice.
Start 2–3 weeks before your expiry date. WhatsApp us your policy number or car details — we will send your renewal quote the same day. Car insurance does not auto-renew in Pakistan, so you must actively renew before the expiry date.
Yes. For cars under a bank loan or lease, we arrange comprehensive insurance with the bank listed as co-insured (hypothecation). You will need your bank's hypothecation letter. We handle this regularly — just mention it when you WhatsApp us.
Yes, imported cars can be comprehensively insured in Pakistan once they are registered with the Excise Department. You will need the vehicle's registration book (log book) confirming the engine and chassis numbers. WhatsApp us with your car details.
Yes. SGI travel insurance covers all domestic journeys within Pakistan including trips to all northern areas — Murree, Naran, Kaghan, Swat, Gilgit, Hunza, Skardu, Chitral and beyond. Medical cover and emergency evacuation are included.
Usually the same day. Send your CNIC, travel dates, destination and number of travellers on WhatsApp and we can issue your certificate within hours — even on short notice before your trip.
Yes. We issue Schengen travel insurance certificates accepted at all Schengen embassies in Pakistan. The policy meets the mandatory €30,000 minimum medical cover requirement. Same-day certificate available. Read our Schengen guide →
Yes. We arrange travel insurance for Pakistan to UK trips — covering emergency medical costs, repatriation, baggage and trip cancellation. Pakistani visitors are generally not entitled to free NHS treatment, so travel insurance is strongly recommended. Read the UK guide →
Yes. We offer travel insurance for families, students and senior citizens travelling within Pakistan and internationally. Cover for declared pre-existing conditions is also available on Standard and Premium plans.
Report the incident to us within 24–48 hours via WhatsApp. Send photos of the damage, your policy number and CNIC. A surveyor will assess the damage and repairs or a payout will be arranged. See our full claims guide →
Not always. For minor damage without third-party involvement, an FIR is usually not required. For theft, total loss or major accidents involving injuries or third-party damage, an FIR is typically required. Your insurer will confirm what is needed.
Straightforward motor claims are often approved within 5–10 working days of the surveyor's assessment. Theft and total loss claims take 2–6 weeks. We keep you updated throughout the process.
