Motor Third Party Insurance

Fully compliant legal liability cover at government-regulated rates.

The mandatory legal baseline of security. Offers mandatory protection against expensive legal claims for physical injuries, accidental deaths, or third-party property damages, certified under Pakistan’s Motor Vehicles Act 1939.

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Plan Key Highlights

100% compliant with Pakistan traffic police and excise department regulations

Flat, extremely affordable premium rates in accordance with government schedule

Digital certificate issued in 5 minutes delivered instantly via email or PDF

Hassle-free online verification for excise registration

What We Cover (Policy Inclusions)

Our priority policies explicitly cover these accidents, losses, and legal obligations:

Accidental death or bodily injury claims made by third parties

Legal liability protection for third-party property damage

Legal defense defense expenses incurred with our prior written approval

Valid everywhere across Pakistan’s national highways and roads

What Is Not Covered (Exclusions)

To maintain fairness and clean premiums, the standard contract does not cover damages caused by:

Any physical or cosmetic damage to your own vehicle

Theft, snatch, or accidental damage of your own vehicle

Personal injury or medical costs for yourself (the policyholder) or any family passengers

Using the vehicle outside the territorial bounds of Pakistan

Frequently Asked Questions

Is Third-Party insurance compulsory in Pakistan?

Yes, under the Motor Vehicles Act 1939, it is a legal offense to drive a vehicle on public roads without a valid third-party liability insurance policy.

Does it cover my car if someone hits me?

No. Third-party insurance only covers the damage you cause to others. It does not pay for any damage to your own vehicle.

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Business Solutions

Commercial Corporate Rates

We specialize in high-volume vehicle fleets, employee group travel matrices, and specialized liability packages with flexible corporate renewals.

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Need Advisory Help?

Connect directly with our Islamabad and Karachi based insurance coordinators to design custom bounds or clear up terms.

0332-0733666Voice Call & WhatsApp

E:support@apexdigitalassurance.com