Private Motor Insurance

Comprehensive premium protection for your personal vehicle on Pakistani roads.

Designed for drivers who demand complete, worry-free security. Covers accidental damage, theft, total loss, road hazards, self-ignition, flood, rain, and third-party liabilities with fully digital claims. Backed by our elite cashless workshop network to get you back on the road instantly.

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Plan Key Highlights

Cashless repairs at 150+ certified manufacturer-authorized workshops

Instant surveyor mobilization within 30 minutes of accident

Value-added tracker installation and integration options

Zero depreciation option for brand new vehicles

What We Cover (Policy Inclusions)

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

Accidental external collision & crash coverage

Comprehensive theft, grab, or armed snatch protection

Atmospheric hazards (floods, torrential rainfall, earthquakes, hail)

Self-ignition, fire, explosion, or lightning damage safeguards

Third-party legal property damage liability up to PKR 1.5 Million

Third-party bodily injury / accidental death compensation

Windscreen glass replacement with zero excess cost

What Is Not Covered (Exclusions)

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

Driving without a valid Pakistani driver’s license

Vehicle being operated by an intoxicated driver

Mechanical and electrical breakdowns or standard aging wear-and-tear

Consequential losses or depreciation over time

Using the personal vehicle for commercial hire, taxi, racing, or speed trials

Frequently Asked Questions

What is cashless repair?

With cashless repair, you don’t pay local garages for accidental fixes. We settle the bill directly with our authorized partner workshops. You only pay your agreed deductible/part replacement depreciation if applicable.

How fast are claims settled?

Typical accident repair claims are approved within 24-48 hours once all paperwork and surveyor photos are received.

Ready to Premium Calculate?

Take under 2 minutes to put in your basic vehicle or profile data and receive a precise live quote instantly.

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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