CAR INSURANCE

Brief Product Description

Designed to offer peace of mind on the road, our policy provides protection against unforeseen events, ensuring you can ride with confidence

PRICES AND COVERAGE

Key Terms

• Accidental vehicle damage means sudden, unintended physical damage to the registered car caused by a covered road traffic accident.
• IPD means inpatient hospitalization of the participant for accident-related injuries, lasting at least 24 hours.
• OPD means eligible emergency outpatient treatment directly resulting from the accident.
• Medical benefits apply only to the participant. Passengers have no medical coverage under this product.

Eligibility

• The participant must be the registered owner of the insured car and hold a valid driving license for that vehicle.
• A valid CNIC, vehicle registration document and matching engine and chassis details are required.
• The car must be identified under the certificate before an accident. Pre-existing damage must be disclosed at enrolment.
• The driver and passengers must wear properly fastened seat belts while travelling. The car must be roadworthy and used in compliance with traffic rules.
• Accurate personal, vehicle and payment details must be provided, and the terms accepted.

Waiting Period

A seven-day waiting period applies to accidental vehicle damage and accidental hospitalization from successful activation. The accident must occur after completion of this period. No waiting period applies to emergency accidental OPD under plans that include it, for accidents occurring after successful activation.

Claim Deadline

Vehicle damage and emergency accidental OPD claims must be submitted within 15 calendar days of the accident. Accidental IPD claims must be submitted within 15 calendar days after hospital discharge. Claims must be lodged through the prescribed claims channel with available supporting documents; additional relevant records may be requested for verification.

Claim Frequency

Eligible claims remain subject to the available separate benefit limits and annual aggregate. Each payment reduces the relevant benefit balance and aggregate balance. A single accident may support distinct vehicle damage and medical expenses, but the same expense cannot be reimbursed more than once.

Age Limit

The participant must be aged 18 to 60 years on enrolment, verified from a valid CNIC. Age eligibility is reassessed at renewal.

Inclusions

• Eligible repair costs for accidental physical damage to the registered car caused by a covered road traffic accident.
• Eligible medical expenses for the participant’s accident-related inpatient admission lasting at least 24 hours, within the selected IPD limit.
• Eligible emergency accidental outpatient medical expenses of the participant under plans that include OPD.
• Digital roadside assistance, including tire change, battery jump-start and towing, under the applicable service terms. Assistance availability does not determine whether an insurance claim is covered.

Exclusions

• Accidents before activation or while coverage is inactive; vehicle damage and IPD arising from accidents during the seven-day waiting period.
• Pre-existing damage, wear and tear, routine maintenance, manufacturing defects and mechanical or electrical breakdown without a covered accident.
• Burglary, theft, robbery, unexplained disappearance, fire and natural disaster damage are outside the stated accidental damage benefit.
• Illness-related hospitalization, elective treatment, routine outpatient care and medical expenses unrelated to a covered road traffic accident.
• IPD admissions last less than 24 hours; non-emergency treatment under the OPD benefit.
• Medical expenses of passengers, third-party bodily injury or property damage, accidental death and disability benefits.
• Intentional damage, racing, speed trials, fabricated incidents, fraud and material misrepresentation.
• Accidents involving intoxication or impairing drugs. Accidents involving an unlicensed driver or failure to wear seat belts where the breach caused or materially contributed to the claimed loss or injury.
• Loss of income, loss of use, alternative transport and other indirect losses.
• Duplicate compensation, uninsured vehicles and amounts above the available pro rata benefit or aggregate limits.

Claim Required Documents

For all claims:

• Copies of both sides of the participant’s CNIC.
• Valid driving license.
• Vehicle registration documents, engine and chassis identification.
• Relevant accident evidence and photographs.
• Police report (FIR), accident report and medico-legal record where applicable.
• Verified bank or wallet account details for settlement.

For vehicle damage:

• Clear photographs of damage identifying the car and proposed work.
• Repair invoices and payment evidence.

For accidental hospitalization:

• Admission record and discharge summary.
• Itemized hospital bills/payment receipts.
• Prescriptions and relevant diagnostic reports.

For emergency accidental OPD:

• Emergency treatment notes confirming the accident, injuries and treatment dates.
• Itemized medical bills, payment receipts.
• Prescriptions and relevant diagnostic reports.

General Terms and Conditions

• Activation: contributions must be paid in advance. Coverage activates after successful enrolment, receipt of payment and registration of the car, subject to the benefit-specific waiting period. Only one active subscription per participant per product is permitted.
• Pro-rata entitlement: Claim entitlement will be calculated on a pro-rata basis using contributions collected during the 30 days immediately preceding the claim date.
• Claim calculation: payment is the lowest of the verified eligible loss or expense, the remaining pro rata benefit limit and the remaining pro rata annual aggregate. Previous payments are deducted from their respective benefit and aggregate balances.
• Collection cutoff: contributions collected after an accident cannot retrospectively increase entitlement for that accident. Monthly payments do not provide the full annual limit immediately.
• Medical scope and timing: medical benefits cover the participant only. IPD requires a minimum 24-hour admission and submission within 15 calendar days after discharge. Vehicle damage and OPD claims must be submitted within 15 calendar days of the accident.
• Safety and verification: a valid licence and properly fastened seat belts for the driver and passengers are mandatory. The operator may investigate the accident and verify ownership, licence validity, seat belt use, contribution history and records. Reliable evidence must establish any safety breach and its relevance to the claim.
• Settlement: the operator determines the appropriate repair or reimbursement method, subject to verification and available limits. Approved payments are processed within 1–3 working days after approval and receipt of complete verified payment details.
• Roadside assistance: services are subject to availability, geographical coverage, usage limits and applicable service terms. No unrestricted towing, unlimited use or guaranteed response time is provided by this product paper.
• Fraud and administration: fraudulent or misleading claims result in denial and termination of coverage, subject to the applicable terms. Renewal, lapse, cancellation, refunds and vehicle changes are governed by the certificate. Changes must be accepted before an accident and cannot apply retrospectively.

SERVICE TIMINGS: Monday to Saturday, 9 a.m. to 9 p.m.