Question 1

What is a comprehensive policy?

Accepted Answer

It is an accidental policy that covers your vehicle from all aspects, i.e., Accidental (external means), Fire, Riot and Strike, Atmospheric Disturbance, Earthquake, Theft/Snatch, and Third Party Liability.

Question 2

What's not covered?

Accepted Answer

The insurer shall not be liable under this policy in respect of: 1. Any accident loss, damage and/or liability caused sustained or incurred outside the geographical area. 2. Any claim arising out of any contractual liability. 3. Any accident loss, damage and/or liability caused sustained or incurred whilst any motor car is being used otherwise than in accordance with the limitations as to use, being driven by any person other than a driver as described in the schedule, or being used as rent vehicle. 4. Any accident, loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss. 5. Any accident loss, damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. 6. Any accident loss, damage and/or liability caused sustained or incurred after any variation in or termination of the insured's interest in the motor car. 7. Any liability whatsoever in nature, directly or indirectly, caused by or contributed to or by, arising from any act of terrorism of any person or organization. 8. Any claim arising out of illegal or criminal activities of the Insured or with the consent of the Insured. 9. Any claim which is found to be fraudulent.

Question 3

I have had an accident. How do I make a claim?

Accepted Answer

Lodge the claim at our 24 hour Call Centre and intimate your claim.

Question 4

What are the points that I need to check in the renewal notice?

Accepted Answer

1. Vehicle Reg. No. is Correct, if not kindly call our Call Centre and notify immediately. 2. Sum Insured of the vehicle. If it is less/greater than market value than you should increase/decrease the sum insured.

Question 5

What is a without Trakker policy?

Accepted Answer

It is a policy in which tracker is not installed by TPL Insurance.

Question 6

What are the perils against which my vehicle is covered?

Accepted Answer

The policy covers accidental (external means), Fire, Riot and Strike, Terrorism, Atmospheric Disturbance, Earthquake, Theft/Snatch, and Third Party Liability.

Question 7

How quickly do I need to report an accident?

Accepted Answer

All claims should be reported as soon as possible to our contact center immediately.

Question 8

What is Claim Loading and how it is applied?

Accepted Answer

Claim loading is applied when you take claim and is applied on renewal. For each claim 10% loading is charged on renewal. If you take 2 claims during your policy period, claim loading of 20% will be applied on renewal.

Question 9

I have selected the wrong start date, can I change it?

Accepted Answer

Yes this can be done through a letter or email.

Question 10

Are other than factory fitted accessories covered in my vehicle insurance policy?

Accepted Answer

No. You have to contact our underwriting department for the coverage and additional premium of accessories other than factory fitted.

Question 11

What happens if my car has been stolen/snatched?

Accepted Answer

If your vehicle is fitted with TPL Trakker device, you have to report it immediately to Trakker Control Room on 111-000-300 and in case of non-recovery, contact our Call Centre at 111-000-301. If your vehicle is without TPL Trakker device, you have to contact our Call Centre at 111-000-301 for lodging of your claim.

Question 12

What happens if I have an outstanding claim, or have had a claim after my renewal quote was issued?

Accepted Answer

Any claim that is being resolved will affect the renewal premium. Once the claim is settled your premium will be adjusted accordingly.

Features	Comprehensive	Platinum	Zero Depreciation	DrivePro	Secure T	Self Insurance	2T
Car Type	New,Old	New	Old	New	Old	New,Old	Old
Accident
Theft
Third Party
Tracker
Total Loss
Terrorism
Telematics
Zero Deductible
Depreciation Waiver

Features	Comprehensive	Platinum	Zero Depreciation	DrivePro	Secure T	Self Insurance	2T
Car Type	New,Old	New	Old	New	Old	New,Old	Old
Accident
Theft
Third Party
Tracker
Total Loss
Terrorism
Telematics
Zero Deductible
Depreciation Waiver

Car Insurance in Pakistan

Key Features

Comprehensive

Zero Depreciation

Secure T

2T

Drive Pro

2T

Drive Pro

What We Covered

Comprehensive

Platinum

Zero Depreciation

DrivePro

Secure T

Self Insurance

2T

Get your vehicle insured now

TPL Insurance App

Frequently Asked Questions

Have any questions?

Subscribe Our Newsletter to

Car Insurance in Pakistan

Key Features

Comprehensive

Zero Depreciation

Secure T

2T

Drive Pro

2T

Drive Pro

What We Covered

Comprehensive

Platinum

Zero Depreciation

DrivePro

Secure T

Self Insurance

2T

Get your vehicle insured now

TPL Insurance App

Frequently Asked Questions

Have any questions?

Subscribe Our Newsletter to