Auto Insurance

Auto Insurance

IGI Auto Cover is a complete auto insurance plan for both individuals and corporate offering covering your automobile against the risk of:

  • Accidental damage
  • Fire, external self ignition or lightening or frost
  • Burglary, house-breaking, or theft
  • Malicious act
  • Riot & strike
  • Flood, hail, wind, hurricane, cyclone, tornado or typhoon
  • Earthquake, volcanic eruption or other convulsion of nature
  • Whilst in transit by air, road, rail, inland waterway, lift or elevator
  • Third party legal liability
  • Terrorism
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  • The liberty to have your vehicle repaired at the workshop of your own choice and the cost of repairs being directly settled with the workshop
  • Good value for money, with IGI offering the most competitive premium rates in the industry.
  • Fastest claim settlement time
  • Guaranteed settlement of Accidental Damage/Theft/Total Loss claims within 15 working days, subject to submission of all required documents
  • A widespread network of IGI branches all across Pakistan
  • Customer Support Services just a phone call away on 0800-2-34-34.

What does the comprehensive motor policy cover?

A Comprehensive Motor Policy covers your vehicle against:

  • Accidental damage
  • Snatching
  • Theft
  • Third Party legal liability
  • Terrorism
  • Fire
  • Explosion
  • Self ignition
  • Lightening, Earthquake, Flood, typhoon, Hurricane, Storm, Frost, Hailstorm, Cyclone, Land/Rock Slide.

Can I have my vehicle repaired at the work shop of my choice?

Yes, you can have the vehicle repaired at the workshop of your own choice. With an IGI approved workshop the bill is directly settled by the company, however if it’s not on IGI’s approved list, then the bill will be reimbursed by the Company to you as per terms and conditions of the policy.

How long does claim settlement take?

Accidental damage and theft /total loss claims are settled within 5 working days after submission of the completed Claim Form and all required documents.

Who do I contact in case of a claim?

Please contact your nearest IGI branch or call us on our toll free number 0800-2-34-34 and you would be assisted by our call center representative for registration of the claim with the relevant branch.

In whose name should the policy be taken?

The policy should be taken in the name of the registered owner of the vehicle.

Can a policy be taken for an unregistered vehicle?

Insurance can be taken for an unregistered vehicle however, the policy becomes null and void if the registration documents are not provided with 15 days.

Can the policy be transferred in the name of an immediate family, member?

Yes, the policy may be transferred to another immediate family member provided that they have a valid driver’s license along with the registration of the vehicle transferred in their name.

From when shall the cover start?

The cover shall start as soon as the premium is paid and confirmation is received for realization of the cheque from the bank.

What shall be the process for renewal of the policy?

The renewal notice shall be sent to you one month prior to the expiry of the policy after which you may contact the relevant branch for renewal of the policy.

What do I do in case I wish to have the policy cancelled?

The policy may be cancelled by informing the relevant branch through letter stating the reason for cancellation and the date from which the policy is to be cancelled .The original policy & certificate of insurance will also be returned with the letter.

What are the Key Exclusions under the Motor policy?

Key exclusions under the policy are:

  • Wear & Tear
  • Mechanical / Electrical Break down
  • Consequential Loss
  • Loss/damages due to War, Mutiny or Nuclear Risks
  • Any Loss out of geographical area
  • Loss arising from theft or criminal act or breach of trust by the Insured’s driver or known person

What documents are required at the time of policy issuance?

  • Completed Proposal Form
  • Copy of CNIC of registered owner of the vehicle
  • Valid Driving License
  • In case of new vehicle Manufacturer’s & Sales Invoice, Tax Paid Challan
  • Copy of Registration Book
  • Inspection Report

In case of claim, please follow the procedure given below:

  • Call us at our toll free insurance helpline number at 0800 -2-43-34 to register your claim
  • Submit documents to IGI Insurance at the following address:

IGI Insurance Registered & Head Office
7th Floor, The Forum,
Suite 701-713, G-20, Block 9,
Khayaban-e-Jami, Clifton,
Karachi – 75600, Pakistan.
Phone: (+92-21) 111-234-234
Fax: (92-21) 111-567-567, 5301729

Admissible claims will be settled by IGI Insurance within 7 days of receipt of all completed documents.

Documents Required:

Accidental Death

  • Death Certificate from concerned Municipal Office
  • Death Certificate from Hospital/Doctor
  • Burial Certificate
  • Police Report

Permanent Total Disability:

  • Doctor 's or Hospital report that states and approves the state of disability
  • Xrays
  • Police Report
  • Copy of CNIC

Please note that this is an indicative list and some other documents may be required at the time of claim settlement.

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