Quick answer: Comprehensive car cover in Pakistan is priced as a percentage of your vehicle's insured value. The lowest rate any major insurer publicly advertises in 2026 is 1.75%; listed market rates run to around 3.5% without a tracker, and higher when a tracker is bundled in. On a Rs. 5,000,000 car that is roughly Rs. 87,500 to Rs. 175,000 a year. Takaful is not automatically cheaper — the one operator that publishes both prices them identically. Your actual price comes from the provider after underwriting.
Most Pakistani insurance calculators quote you a single confident number they cannot possibly know. This one does the opposite: it shows a range built from rates providers publish on their own websites, tells you exactly which adjustment moved your figure, and refuses to produce a number where no verified rate exists. Every source is named and dated in Sources & methodology.
Runs entirely in your browser. No CNIC, registration number or phone number is asked for or sent anywhere.
Comprehensive motor cover in Pakistan is quoted as a percentage of the vehicle's insured value, applied once a year. The percentage — not the rupee figure — is what you should compare between providers.
Here is every comprehensive rate a Pakistani provider states publicly, as at August 2026:
| Provider | Product | Published rate | Where it is stated |
|---|---|---|---|
| Jubilee General Insurance | Private Car Comprehensive | 1.75% of insured estimated value | Insurer's own product page |
| Jubilee General Takaful | Private Car Comprehensive Takaful | 1.75% of participant estimated value | Operator's own product page |
| Jubilee General Takaful | Old Car Comprehensive Takaful | 1.50% of covered estimated value | Operator's own product page |
| United Insurance (UIC) | Comprehensive, most cars | 1.5% – 1.8% | Insurer's own blog |
| United Insurance (UIC) | Comprehensive, older models | 2.5% – 3% | Insurer's own blog |
| EFU General Insurance | Private car, no tracker | 3.5% | PakWheels insurer listing |
| EFU General Insurance | Private car, tracker bundled | 4.5% – 5% | PakWheels insurer listing |
Rates read on 19 August 2026. The EFU figures come from a third-party listing rather than EFU's own site, and are labelled as such throughout this page. Adamjee, TPL and IGI publish product descriptions but not headline percentages.
Two things in that table are worth pausing on. First, the spread is wide: 1.75% to 3.5% means the same Rs. 5,000,000 car could cost Rs. 87,500 or Rs. 175,000 depending purely on which insurer you call. Shopping around is worth more than any other decision you make. Second, EFU's tracker rate is higher than its no-tracker rate, which surprises people. That is because the tracker device and its monitoring subscription are bundled into the percentage rather than billed separately — you are comparing a rate that includes hardware against one that does not.
Between roughly 1.75% and 3.5% a year for comprehensive cover on a private car, based on rates providers publish. Older vehicles sit at the upper end or need a specialised older-car product. Third-party-only cover is a fixed low amount rather than a percentage.
The arithmetic is simple. The judgement is not.
Insured value × rate = base premium. Everything else — age, usage, claims record, tracker, add-ons — moves the rate an underwriter offers you, or adds a fixed rupee amount on top. Government charges are then added at the point of sale.
What genuinely moves the number:
City and province, despite what many pages claim. Karachi, Lahore and Peshawar plainly carry different theft and accident risk, and underwriters price that risk — but no Pakistani insurer publishes a location loading table, so any calculator applying a specific city percentage is making it up. This estimator applies none.
Third-party liability cover is legally required, and in 2026 that requirement finally acquired teeth in one province.
In March 2026 Sindh amended the Provincial Motor Vehicles Ordinance, 1965 through the Motor Vehicles (Amendment) Act, 2026, inserting a new Section 67-H. Under it, no vehicle registered in Sindh can be registered, transferred, or have its annual token tax paid without valid third-party insurance. The SECP described Sindh as the first province to effectively enforce the requirement, and the effect was immediate: active third-party policies in Sindh rose from 11,200 in March 2026 to 165,064 by the end of June, a 1,374% increase.
The amendment also created a no-fault compensation framework — victims are paid without having to prove who caused the accident:
| Outcome | Compensation |
|---|---|
| Death | Rs. 700,000 |
| Loss of both hands, arms, legs or feet | Rs. 500,000 |
| Loss of sight in both eyes | Rs. 500,000 |
| Loss of one arm or hand | Rs. 450,000 |
| Loss of one leg or foot | Rs. 400,000 |
| Loss of sight in one eye | Rs. 250,000 |
| Permanent disability (statutory limit) | Rs. 500,000 |
| Aggregate per vehicle per accident | Rs. 20,000,000 |
Source: SECP press release of 7 March 2026 and Jubilee General Insurance's published Sindh act-only product page. Admissible claims must be settled within 45 days of complete documentation.
To keep the mandatory cover affordable, Sindh cut stamp duty on third-party motor policies from Rs. 500 to Rs. 50 and reduced provincial sales tax on them from 15% to 5%. Enforcement runs through the SECP's Motor Insurance Repository, a central database that lets excise offices verify a policy electronically instead of accepting a piece of paper. The SECP has said it is working with the Punjab Provincial Transport Authority on linking route permits to the same repository, so other provinces are likely to follow.
Outside Sindh, third-party cover remains a legal requirement under the Motor Vehicles Ordinance, 1965, but is not yet tied to registration or token tax in the same enforceable way.
Takaful is a cooperative risk-sharing arrangement. Participants contribute to a common fund from which claims are paid, the operator manages that fund as an agent for a fee, and any surplus may be distributed back to participants. Conventional insurance transfers risk to the insurer in exchange for a premium, and the insurer keeps the underwriting profit.
Pakistan regulates both through the SECP. Takaful operates under the Takaful Rules, 2012, which permit both full-fledged operators and — importantly — conventional insurers running window Takaful operations alongside their conventional book. That is why several familiar names appear in both columns.
Not inherently. The clearest available evidence is that Jubilee General prices its conventional Private Car Comprehensive and its Private Car Comprehensive Takaful at the same 1.75%. Anyone telling you Takaful is systematically cheaper or more expensive is generalising past the evidence. Compare on the things that actually differ: coverage wording, exclusions, excess, claims handling, Shariah governance arrangements, and surplus-sharing terms.
Reading one insurer's actual policy schedule is more useful than a generic list. Jubilee General's published Private Car Comprehensive wording covers loss or damage to the vehicle by: accidental external means; fire, external explosion, self-ignition, lightning and frost; burglary, housebreaking and theft; malicious act; riot and strike damage; flood, hail, wind, hurricane, cyclone, tornado and typhoon; earthquake, volcanic eruption or other convulsion of nature; and risk while in transit by air, road, rail, inland waterway, lift or elevator. It adds third-party liability for death, bodily injury and property damage, plus a small medical expenses benefit.
Note the small print that people miss: the same policy limits recovery-to-nearest-workshop costs to Rs. 500 and medical expenses to Rs. 350. These are token amounts, not meaningful benefits. On the liability side, comprehensive policies in the Pakistani market commonly carry a third-party liability limit around Rs. 10,000,000.
Common exclusions across published Pakistani motor wordings include depreciation and wear and tear; mechanical and electrical breakdown; damage to tyres and battery alone (with the insurer typically liable for 50% of replacement if the vehicle is damaged at the same time); loss from theft or breach of trust by the participant's own driver or a known person; accidents outside the stated geographical area; driving by someone not described in the schedule; loss while driving under the influence of alcohol or drugs; radiation and nuclear risks; and war or civil unrest. Always read your own policy wording — exclusions differ between providers and change between versions.
Third-party cover pays other people. It never repairs your own car. It is the legal minimum, it costs a small fraction of comprehensive cover, and for a low-value older vehicle it is often the sensible choice.
No Pakistani insurer publishes a third-party tariff schedule the way comprehensive rates are published, which is why this estimator does not generate a precise third-party figure. What can be stated: United Insurance's own 2026 guide puts annual third-party premiums for cars under 1000cc at roughly Rs. 1,500 to Rs. 3,000. Several insurers, including Jubilee General, now sell the Sindh mandatory act-only policy directly online.
If your vehicle is on finance or lease, the financing institution — not the insurer — sets the requirement. In practice banks and leasing companies require comprehensive cover for the full term, and typically require the policy to be assigned or endorsed in the financier's favour so that a total-loss settlement goes to them first. Some restrict which insurers they accept, and some bundle their own arrangement into the instalment.
Requirements differ between institutions and this page does not attribute a specific requirement to any named bank. Ask your financier in writing what they require before you buy a policy, or you may pay for one they will not accept. If you are still at the buying stage, work out the monthly cost first with the car instalment calculator.
Trackers are not universally required. Whether you need one depends on the insurer, the vehicle's value, and sometimes the model's theft record. Where a tracker is involved, ask three questions: is it required or optional; is the cost inside the quoted rate or billed separately; and who owns the device if you switch insurers. EFU's listed rates illustrate why this matters — its tracker-inclusive rate is a full percentage point above its no-tracker rate because the hardware and monitoring sit inside the percentage.
Add-ons available in the Pakistani market include personal accident cover for the driver and passengers, windscreen protection, agency or authorised-dealership repair, roadside assistance, key replacement, coverage for installed accessories such as tracker, screen and audio systems, and depreciation waivers. Availability varies significantly — no insurer offers all of them.
Only two have a publicly published price: Jubilee General lists personal accident cover for a paid driver at Rs. 500 and for four passengers excluding the driver at Rs. 900. This estimator prices those two and no others, because inventing prices for the rest would defeat the point of the tool.
Settlement timelines are set by the provider and by law where applicable. One verified timeline exists in 2026: under the Sindh mandatory third-party framework, admissible claims must be processed within 45 days of complete documentation. No comparable published deadline applies to comprehensive own-damage claims, so treat any page promising "claims settled in X days" with caution unless the insurer states it.
Commonly requested at policy purchase: CNIC, vehicle registration book or smart card, and vehicle details including engine and chassis numbers. Some providers require photographs or a pre-inspection.
Commonly requested at claim: completed claim form, policy documents, driving licence, accident details, photographs, a repair estimate, and a police report where applicable.
Provider- and case-specific: Jubilee General's published Sindh third-party claim requirements illustrate how specific this becomes — a death claim needs a NADRA succession certificate and an FIR confirming the accident, while a disability claim needs a traffic police accident report, a hospital disability certificate with discharge summary, and the injured person's CNIC or B-Form. Ask your provider for its own list; do not assume.
The following are established SECP-regulated providers with public motor product pages. This is a neutral list in alphabetical order, not a ranking — we have no basis to name a "best" insurer and will not pretend otherwise.
| Provider | Conventional | Takaful | Published rate? | Notes verified from official sources |
|---|---|---|---|---|
| Adamjee Insurance | Yes | Yes | No | Offers third-party, comprehensive and own-damage motor products; online purchase available |
| EFU General Insurance | Yes | Yes | Not on own site | Comprehensive, third-party and own-damage cover for private and commercial vehicles; established 1932 |
| Jubilee General Insurance | Yes | Yes (window) | Yes — 1.75% | Publishes rate, vehicle age limit (5 years), sum insured cap (Rs. 9m) and add-on prices; sells Sindh mandatory act-only cover online |
| TPL Insurance | Yes | Yes | No | Comprehensive, older-car, Secure T and 3T products; DrivePro usage-based product; cover limited to Pakistan's geographical limits |
| United Insurance (UIC) | Yes | — | Yes — 1.5–3% | States 1.5–1.8% for most cars and 2.5–3% for older models on its own site |
| IGI General, Askari General, UBL Insurers, Pak-Qatar General Takaful, Alfalah, Atlas, Premier | Yes | Varies | No | Active motor providers; no headline percentage published, so not modelled here |
Provider details read on 19 August 2026. SignTest.pk has no commercial relationship with any provider listed and earns nothing from these links.
Not licensed yet? Start with the free road-sign and theory test or the car licence test. A valid licence is a condition of cover under every motor policy wording we have read — driving on an invalid licence can void a claim.
Regulatory. The SECP is the insurance regulator under the Insurance Ordinance, 2000, read with the Insurance Rules, 2017. Takaful operates under the Takaful Rules, 2012, which allow both full-fledged operators and window Takaful operations within conventional insurers. The SECP's press release of 7 March 2026 and the Sindh Motor Vehicles (Amendment) Act, 2026 provided the Section 67-H requirement, the no-fault compensation limits, and the Motor Insurance Repository.
Providers. Product pages were read directly at Jubilee General Insurance and Jubilee General Takaful (rates, age limits, sum caps, covers, exclusions, add-on prices, Sindh act-only terms and claim documents), EFU General Insurance, TPL Insurance, Adamjee Insurance and United Insurance. PakWheels' insurer listing supplied EFU's percentage rates, which EFU does not publish itself — those are labelled as third-party-sourced everywhere they appear.
The estimator uses a market-range model, not a pretend quotation.
Last verified: 19 August 2026. Rates and products change without notice. We re-read the source pages periodically and update this page and its assumptions when they change; there is no automatic feed.
Comprehensive cover is priced as a percentage of insured value. Published rates run from 1.75% at the lowest to around 3.5% without a tracker, and 4.5–5% where a tracker is bundled in. On a Rs. 5,000,000 vehicle that is roughly Rs. 87,500 to Rs. 175,000 a year before add-ons. Third-party-only cover for a small car is in the region of Rs. 1,500–3,000.
Insured value multiplied by the insurer's rate gives the base premium. The rate you are offered depends on vehicle age, usage class, claims history, tracker arrangement and the insurer's own underwriting. Fixed-price add-ons and government charges are added on top.
Roughly 1.75% to 3.5% a year for comprehensive cover on a private car, based on rates providers publish. Older vehicles sit at the upper end or move to a specialised older-car product. Ask every insurer for its rate as a percentage — it is the only figure that compares cleanly between quotes.
Third-party liability cover is legally required under the Motor Vehicles Ordinance, 1965. Since March 2026, Sindh enforces it directly: under the new Section 67-H, no vehicle registered in Sindh can be registered, transferred or have its token tax paid without valid third-party insurance. Other provinces have the legal requirement but not yet the same enforcement link.
Cover for your own vehicle plus liability to others. Published Pakistani wordings typically include accidental damage, fire, theft, malicious acts, riot and strike, flood and storm, earthquake, and transit risk, alongside third-party death, injury and property damage.
The legal minimum. It pays other people for injury, death or property damage you cause. It pays nothing towards your own vehicle. It is cheap because the exposure is narrow.
A cooperative alternative to conventional insurance. Participants contribute to a shared fund from which claims are paid, the operator manages that fund as an agent for a fee, and any surplus may be distributed back to participants. In Pakistan it is regulated by the SECP under the Takaful Rules, 2012.
Yes, widely. Both full-fledged Takaful operators and conventional insurers running window Takaful operations offer motor Takaful, including comprehensive cover for cars and motorcycles.
Not inherently. Jubilee General prices its conventional and Takaful private car comprehensive products at the same 1.75% rate. Treat any claim that Takaful is systematically cheaper or more expensive with scepticism, and compare coverage, exclusions, excess, claims handling and surplus-sharing terms instead.
Comprehensive cover does — published wordings list burglary, housebreaking and theft. Third-party cover does not. Note a standard exclusion: loss arising from theft or breach of trust by your own driver or a known person is generally excluded. Immediate notice to the police is mandatory.
Comprehensive wordings in Pakistan commonly list flood, hail, wind, hurricane, cyclone, tornado and typhoon damage, along with earthquake and other natural convulsion. Given Pakistan's monsoon flooding, confirm this is in your specific wording rather than assuming it.
Yes, and in two ways. It changes the rate offered, and it can change which product you are eligible for — Jubilee's headline private car product is written for vehicles up to five years old, with a separate older-car product beyond that. Very old vehicles may be declined for comprehensive cover entirely.
Underwriters price geographic risk, but no Pakistani insurer publishes a location loading table. Any calculator that applies a specific percentage for Karachi or Lahore is inventing it. This estimator applies no location adjustment and says so.
In practice yes. Financing institutions generally require comprehensive cover for the term of the finance, usually assigned or endorsed in their favour. Requirements vary between institutions — ask your financier in writing before buying a policy they may not accept.
Not universally. Some insurers require one above certain vehicle values or for theft-prone models. Where a tracker is involved, ask whether its cost sits inside the quoted percentage or is billed separately — EFU's listed tracker-inclusive rate is around a full percentage point higher than its no-tracker rate for exactly this reason.
At purchase, commonly CNIC, registration book or smart card, and vehicle details. At claim, commonly a claim form, policy documents, driving licence, accident details, photographs, repair estimate and a police report where applicable. Specific requirements differ by provider and claim type.
Notify the insurer immediately — published wordings require it — and report to police where theft or injury is involved. Lodge the claim, submit documents, allow the surveyor to inspect, then repair or settlement follows under the policy terms and any excess. Sindh's mandatory third-party claims carry a statutory 45-day processing requirement; comprehensive own-damage claims have no equivalent published deadline.
Often yes, through a dedicated older-car product rather than the standard one. Jubilee's Old Car Comprehensive Takaful is priced at 1.50%, and TPL markets both an older-car comprehensive product and Secure T for total loss, theft and third party. For a low-value car, third-party or a theft-and-total-loss product may make more sense than full comprehensive.
Yes — motorcycle comprehensive Takaful and insurance products exist in Pakistan. No provider publishes a motorcycle rate, so this estimator declines to produce a figure and points you to the provider instead.
The amount you pay yourself on each covered claim before the insurer pays the rest. A higher excess generally lowers the premium and raises your out-of-pocket cost at claim time. Pakistani insurers do not publish comparable excess structures, so this estimator applies no numeric effect for it.
Compare rates as percentages across at least three or four providers — the spread between 1.75% and 3.5% is far larger than any discount you will negotiate. Do not over-declare your vehicle's value. Maintain a clean claims record for the no-claim discount. Consider a higher excess. For an older, low-value car, ask whether third-party or a theft-and-total-loss product is more proportionate than comprehensive.
This tool provides an indicative estimate based on publicly available 2026 market information and provider terms. It is not an insurance quotation, policy document, financial guarantee, or binding offer. Actual premium or contribution may vary according to the insurer or Takaful operator, vehicle inspection and valuation, underwriting, coverage, deductibles, claims history, vehicle age, location, policy terms, taxes and other applicable charges. Always confirm the final price and coverage directly with the selected provider.
SignTest.pk is an independent informational website. It is not an insurance company, Takaful operator, broker, agent or government department, and has no commercial relationship with, and receives no payment from, any provider mentioned on this page. Provider and regulator websites are linked as references only.
Nothing here is financial, legal or Shariah advice. For a Shariah opinion on a specific Takaful product, consult the operator's Shariah governance disclosures or a qualified scholar.