Buying a new car in Islamabad is an exciting experience, but securing the right car insurance is just as important. With various insurance providers offering different coverage plans, selecting the best policy can be overwhelming. FameWheels simplifies the process with this guide, helping you find the best insurance for your new car in Islamabad.
1. Why Car Insurance is Essential in Islamabad
Car insurance is mandatory under Pakistan’s Motor Vehicle Act, and it also provides financial protection in case of:
Accidents – Covers damage repair costs.
Theft – Compensation if your car is stolen.
Third-Party Liability – Covers damages to other vehicles or people.
Natural Disasters – Protection against floods, earthquakes, etc.
Tip: Without car insurance, you could face heavy financial losses and legal issues.
2. Types of Car Insurance in Pakistan
Before choosing an insurance policy, understand the different types available:
Third-Party Insurance (Mandatory by Law)
- Covers damages to others (vehicles, property, or people).
- Does not cover your own vehicle’s damage.
- Cheapest option but limited protection.
Best for: Budget-conscious buyers who just need legal compliance.
Comprehensive Car Insurance
- Covers own vehicle damage + third-party damages.
- Protection against theft, fire, vandalism, and natural disasters.
- Higher premium but maximum coverage.
Best for: New car owners looking for complete peace of mind.
Collision Coverage
- Covers repair costs if your car is damaged in an accident.
- Does not cover theft or natural disasters.
Best for: Drivers in high-traffic areas where accidents are common.
Zero Depreciation Cover (Add-On Feature)
- Ensures full claim amount without depreciation deductions.
- Higher premium but best for luxury or new cars.
Best for: Owners of expensive cars looking for complete financial protection.
3. Top Car Insurance Companies in Islamabad
Here are some of the most reliable car insurance providers in Islamabad:
1. Adamjee Insurance
Comprehensive coverage with add-ons.
Covers floods, earthquakes, and theft.
Fast claim processing.
2. EFU General Insurance
High claim settlement ratio.
24/7 customer support.
Special coverage for corporate fleets.
3. Jubilee General Insurance
Affordable premiums with good coverage.
Covers roadside assistance and towing.
Quick online claim processing.
4. TPL Insurance
Cashless repairs at partner workshops.
24/7 emergency assistance.
Add-ons like windscreen protection and engine cover.
5. UBL Insurers
Competitive premium rates.
Covers theft, fire, and natural disasters.
Ideal for budget-conscious buyers.
Tip: Compare policies on FameWheels before making a decision.
4. How to Choose the Best Car Insurance Policy
When selecting an insurance plan, consider these factors:
Coverage Type – Comprehensive insurance is the best choice for new cars.
Premium Cost – Compare different providers for the best value.
Claim Settlement Ratio – Higher ratio = Faster claim processing.
Add-Ons & Benefits – Roadside assistance, zero depreciation, etc.
Cashless Garage Network – Check if your preferred workshops are covered.
Tip: Don’t just go for the cheapest insurance—look for maximum benefits.
5. Steps to Buy Car Insurance in Islamabad
Follow these simple steps to secure your insurance:
Compare insurance providers on FameWheels.
Select a policy that fits your budget & coverage needs.
Provide car details (model, engine size, registration city).
Choose additional coverage options (if needed).
Pay the premium online or via bank transfer.
Receive your insurance policy via email or courier.
Tip: Always read the policy terms carefully before purchasing.
6. How to File a Car Insurance Claim in Islamabad
If your car gets damaged or stolen, follow these steps to file a claim:
Step 1: Report the incident to your insurance company.
Step 2: File an FIR (for theft or major accidents).
Step 3: Submit photos & repair estimates.
Step 4: Your insurer will assess the claim and process it.
Step 5: Receive claim approval and repair your car.
Tip: Keep all insurance documents & payment receipts for easy processing.
Final Thoughts – Secure Your Car with FameWheels!
Finding the right car insurance in Islamabad ensures financial security and peace of mind. Whether you’re buying a new or used car, FameWheels helps you compare the best insurance plans to keep your vehicle protected.
Need car insurance in Islamabad? Explore FameWheels’ verified listings for insurance providers and drive worry-free!
