Drive Ahead
with Confidence

Motorcycle Comprehensive Insurance

Strong protection for your ride. Peace of mind for every journey.

Your motorcycle gives you freedom, convenience, and mobility. Motorcycle Comprehensive Insurance is designed to protect you financially against unexpected losses, damages, and legal liabilities while you’re on the road.

This policy provides complete protection for your motorcycle, its accessories, and third-party liabilities, helping you ride with confidence every day.

What This Insurance Covers for You

Protection for Your Motorcycle

You are covered for loss of or damage to your motorcycle and its accessories caused by:

• Accidental external damage or collision
• Damage while in transit by road, rail, air, inland waterways, lift, or elevator
• Theft, burglary, or house-breaking
• Natural disasters such as floods, hail, storms, cyclones, tornadoes, and typhoons
• Fire, explosion, lightning, self-ignition, or frost
• Riot and strike
• Earthquake, volcanic eruption, or other natural convulsions
• Malicious acts

Protection Against Third-Party Claims

If your motorcycle is involved in an accident that causes harm to others, this policy protects you from financial and legal liability.

You are covered for:

• Death or bodily injury to third parties
• Damage to third-party property, excluding property belonging to or under the control of the insured

The company will pay all costs and expenses incurred with its written consent. Limit applies.

Private Vehicle Comprehensive Insurance

Drive with confidence. We’ve got you covered—comprehensively.

Private Vehicle Comprehensive Insurance is a robust and widely preferred motor insurance solution that provides all-round financial protection against a broad range of risks. It safeguards the insured against own vehicle damage, theft, and third-party liabilities, ensuring peace of mind on every journey.

Whether it’s an unexpected accident, natural calamity, or third-party claim, our comprehensive cover is designed to keep you protected when it matters most.

What This Insurance Covers for You

Protection for Your Vehicle

Coverage is provided for loss or damage to the insured vehicle arising from:

• Accidental external means
• Damage whilst in transit by road, rail, air, inland waterway, lift, or elevator
• Burglary, house-breaking, or theft
• Natural perils including flood, hail, wind, hurricane, cyclone, tornado, typhoon
• Fire, external explosion, self-ignition, lightning, or frost
• Riot and strike
• Earthquake, volcanic eruption, or other convulsions of nature
• Malicious acts

Liability to Third Parties

The Company will indemnify the insured for legal liability arising out of the use of the insured motor car in respect of:

• Death or bodily injury to third parties
• Damage to third-party property, other than property belonging to or under the control of the insured

All costs and legal expenses incurred with the prior written consent of the Company shall also be covered.

Commercial Vehicle Insurance

Reliable protection for your vehicle. Confidence for your business.

Your commercial vehicle is the backbone of your business operations. Commercial Vehicle Insurance is designed to protect you financially against unexpected losses, damages, and legal liabilities that may arise during the use of your vehicle.

This policy offers comprehensive protection for vehicle damage, theft, natural calamities, and third-party liabilities, helping your business stay on the move without financial disruption.

What This Insurance Covers for You

Protection for Your Commercial Vehicle

You are covered for loss of or damage to your vehicle and its accessories caused by:

• Accidental external impact or collision
• Damage while the vehicle is in transit by road, rail, air, inland waterways, lift, or elevator
• Theft, burglary, or house-breaking
• Natural disasters including flood, hail, wind, hurricane, cyclone, tornado, or typhoon
• Fire, explosion, lightning, self-ignition, or frost
• Riot and strike
• Earthquake, volcanic eruption, or other convulsions of nature
• Malicious acts

Note: Coverage for commercial vehicles is subject to CV-4 Clause. Terms and conditions apply.

Protection Against Third-Party Claims

If your commercial vehicle is involved in an accident that causes harm to others, this policy protects you from legal and financial liability.

You are covered for:

• Death or bodily injury to third parties
• Damage to third-party property, excluding property belonging to or under the control of the insured

The company will pay all costs and expenses incurred with its written consent. Limit applies.

Mandatory Third Party No Fault

Mandatory protection for every journey on the road.

Under the Provincial Motor Vehicles (Amendment) Act, 2026 (Sindh), all registered vehicles must carry valid Motor Third Party Liability Insurance with no-fault compensation for third-party victims.

Regulatory Compliance

• No fault compensation for third party as required under the Provincial Motor Vehicle (Amendment) Act, 2026 (Sindh)
• All vehicles registered in Sindh must carry valid Motor Third Party Liability Insurance
• Failure to maintain this insurance may prevent vehicle registration, transfer of ownership, or renewal of vehicle taxes

What Is Third Party No-Fault Motor Insurance?

Motor Third Party No-Fault Insurance is a mandatory insurance policy that compensates third parties for death or bodily injury caused by an accident involving the insured vehicle, regardless of who was at fault.

• The Government of Sindh has made it compulsory for all vehicles registered in the province to have Motor Third Party Liability Insurance
• The policy allows road accident victims (or their families) to receive compensation without having to prove who caused the accident or whether anyone was negligent
• Customers can quickly buy this legally required insurance online through Alfalah Insurance Company, ensuring their vehicle remains compliant with the Government of Sindh’s regulations

Who Is Protected Under This Policy?

Third Party No-Fault Insurance protects individuals affected by an accident involving the insured vehicle.

Faster claim settlement and quicker financial relief to victims or their families.

Why This Insurance Is Mandatory?

• A vehicle cannot be registered, transferred, or have taxes processed without valid Third Party insurance
• Compensation for death or injury must be paid by the insurer within 45 days of receiving complete documentation, in accordance with the law
• This framework promotes responsible road usage and ensures that accident victims receive financial protection without unnecessary delays

What Does The Policy Cover?

• Death Benefit: Compensation up to PKR 700,000 per person
• Permanent Disability / Injury: Compensation as per the statutory compensation schedule
• Aggregate Liability: Up to PKR 20,000,000 per vehicle per accident

Compensation Limits Under Sindh Motor Law

The full compensation schedule is provided in the Policy Document and relevant Sindh Government notification.

What Is Covered?

The policy provides compensation for death or bodily injury to third parties caused by the insured vehicle in a road traffic accident.

Covered individuals may include (but are not limited to):

• Drivers and passengers of other vehicles
• Pedestrians
• Cyclists
• Roadside persons
• Conductors or helpers of commercial vehicles

What Is Not Covered?

This policy does not cover:

• Damage to the insured vehicle
• Injuries to the insured driver or vehicle owner
• Accidents occurring outside Pakistan
• Incidents caused while driving under the influence of alcohol or drugs
• War, terrorism, nuclear risks, or non-traffic related events

How To Make A Claim?

To initiate a claim, the following documents may be required depending on the nature of the case.

For Death Claims

• Claim Form
• NADRA Succession Certificate
• FIR confirming the road traffic accident
• Valid Motor Third Party Insurance policy details

For Disability Claims

• Claim Form
• Traffic police accident report
• Disability certificate from hospital along with discharge summary
• CNIC or B-Form of the injured person
• Valid Motor Third Party Insurance policy details

Once documentation is complete, the claim will be processed in accordance with statutory timelines as stated in the Sindh Government Gazette.

Who Can Buy This Policy Online?

This insurance can be purchased by:

• Private vehicle owners
• Commercial vehicle operators
• Motorcycle and rickshaw owners
• Corporate fleet operators

How To Buy?

• Purchasing Motor Third Party No-Fault Insurance through Alfalah Insurance is quick and simple
• Customers can obtain instant coverage by completing a short online process
• Customers across Sindh and Pakistan can conveniently buy Third Party Motor Insurance online and remain compliant with regulatory requirements

Buy Your Mandatory Third Party Insurance Online

• Stay compliant with Sindh regulations and ensure protection for third parties on the road
• Instant policy issuance
• Secure digital verification
• Fully compliant with Sindh Motor Vehicles Act
• Trusted insurer with nationwide claims support

Looking For Protection For Your Own Vehicle As Well?

Third Party Insurance fulfills the legal requirement only. You may upgrade to Comprehensive Motor Insurance for protection against:

• Accident damage
• Theft
• Fire
• Natural disasters
• Additional third-party liability protection
• Additional protection benefits available under comprehensive coverage

Disclaimer

This product is issued in compliance with the Provincial Motor Vehicles (Amendment) Act, 2026 (Sindh) and applicable regulations governing Motor Third Party Liability Insurance.

Coverage, limits and claim settlements remain subject to policy terms, conditions and statutory provisions.

3T Old Car

Introduction

Older cars have their own history and unique needs when it comes to insurance. Keeping this in mind, Alfalah Insurance offers 3T Old Car Insurance, which provides full coverage at a low premium starting from 1.00% of the insured estimated value (net premium).

Rate: 1%

Covers

I. Total Loss or Constructive Total Loss of vehicle:

II. Loss of vehicle in case of Theft, burglary or snatching provided that:

• The vehicle is used only for private and domestic use
• The insured vehicle is older than 5 years at the time of coverage from the manufacturing year
• Basis of indemnity be the market value or the insured value, whichever is less

III. Third Party Liability on the insured in case of:

• Death or bodily injury to a third party (except for the person employed by the insured)
• Damage to property of a third party (except for the property held in trust or custody by the insured of a third party)
• Indemnity to any person driving any on insurance order/permission given that he is not entitled to indemnity under any other insured Membership Document
• Benefit to the insurance even when he is driving a vehicle not belonging to him and not hired by him under a hire purchase agreement
• In case of death of a third party, the company will indemnify the deceased's personal representatives in the terms of and subject to the limitations of the insured Membership Document

Conditions

• An immediate notice to the company to be issued in case of a claim arising
• In case of theft of the insured vehicle, an immediate notice to the police is mandatory
• In case the insured loses his original excise duty and taxation papers, he should immediately inform the company within 48 hours
• Cancellation of insured Membership Document by the company or the insured on a 7 days' notice with return of premium on pro rata basis

Key Terms

Product Benefit Table

Exclusions

• Consequential loss
• Depreciation and wear and tear
• Mechanical and electrical breakdowns/failures
• Damage to tires and battery unless the vehicle is damaged too at the same time (company liable to 50% of the cost of replacement in that case)
• Loss arising from theft or criminal misappropriation or breach of trust by insured's Driver or known person
• Any accident or injury caused/sustained outside the geographical area
• Claim arising out of any contractual liability
• Any loss occurring in case of the vehicle being driven by any person other than a driver as described in the schedule
• Any loss occurring from radiation, nuclear fuel or weapons
• Any loss occurring as a result of the insured driving under influence of intoxicating liquor or drugs
• Any loss occurring as a result of war, civil unrest