Commercial Vehicle FAQs

Question.  What is CV4 Clause?
Answer.  Cv4 clause means company shall not be liable under Section 1 of the policy for the loss or damage to:

• Lamps, tires, mudguard, bumper and paint work
• The insured vehicle and/or accessories whilst thereon by Fire External Explosion, Self-Ignition or Lightning whilst in any garage or otherwise than on the road during regular running hours.

Subject otherwise to the terms exceptions conditions and limitations of the policy.


Question.  Will I get compensation if my car is set on fire during a public strike or a riot?
Answer.  Yes. Riot and strike damage is covered under the policy.


Question.  What is depreciation?
Answer.  Financial decrease in the value of car with the passage of time.


Question.  Will I be indemnified in case of an accident if someone else is driving my car?
Answer.  Only the drivers identified in the proposal form will be acknowledged as drivers eligible for indemnity.


Question.  What are the geographical boundary to my cover?
Answer.  Covered within geographical area of Pakistan.


Question.  How would I be indemnified in case of loss?
Answer.  Indemnity could be in the form of cash, repair or replacement of any part depending upon the type of loss.


Question.  What do I do in case my car gets snatched or it meets an accident?
Answer.  Immediate Call to 15 and intimate the insurance company about accident.


Question.  How do I make a claim?
Answer.  Intimate us on our website. Call us on 04235776475-81


Question.  Can insurance policy transfer to any person if I sell my car?
Answer.  Insurance policy cannot be transferable.

Private Car Comprehensive FAQs

Question.  What is comprehensive cover?
Answer.  Comprehensive cover include accidental external means, fire, external explosion, riot, strike earthquake, flood, theft and third party liability.


Question.  Will I get compensation if my car is set on fire during a public strike or a riot?
Answer.  Yes. Riot and strike damage is covered under the policy.


Question.  What is depreciation?
Answer.  Financial decrease in the value of car with the passage of time.


Question.  Will I be indemnified in case of an accident if someone else is driving my car?
Answer.  Only the drivers identified in the proposal form will be acknowledged as drivers eligible for indemnity.


Question.  What are the geographical boundary to my cover?
Answer.  Covered within geographical area of Pakistan


Question.  How would I be indemnified in case of loss?
Answer.  Indemnity could be in the form of cash, repair or replacement of any part depending upon the type of loss.


Question.  What do I do in case my car gets snatched or it meets an accident?
Answer.  Immediate Call to 15 and intimate the insurance company about accident.


Question.  How do I make a claim?
Answer.  Intimate us on our website. Call us on 04235776475-81


Question.  Can insurance policy transfer to any person if I sell my car?
Answer.  Insurance policy cannot be transferable.