Every car insurance service provider is coming up with different plans and offers different kinds of promotions for the clients. So many choices and offers make it difficult for the customers to assess and find which of the following suits the best to their needs and budget.  

Despite such extreme demand for car insurance in Pakistan, there is still lack of sufficient amount of information sharing about the matter. One of the main reasons is that the potential car insurance customers do not have access to reliable sources of information.

Keeping in mind the need to educate the car insurance customers, we have compiled some data that is really helpful for the users to do safe buying.  To assist the customers in a better way, below are some of the basic questions that are necessary for you to keep in mind if you are really looking for to go for car insurance and planning to buy a policy.

1- Why car insurance is needed in Pakistan?

Car insurance is the best way to own a car without putting a strain on your pocket takes no burden in case of damage, accident or theft.

With the latest advancements in the field, it is much easier for the car owners to get their vehicle insured. There are a lot of insurance service providers in the market who offer competitive packages for the customers to earn maximum benefits.

Another aspect of the matter is that Pakistan is a developing country and there are a number of projects of infrastructure that are in the pipeline in big cities like Peshawar and Lahore. Such situations are creating a challenging situation on the roads and for the drivers. All of this is resulting in increased traffic accidents.

No matter how careful you are but there can be the time that you earn damage to your vehicle due to the carelessness of the driver just behind you. In such conditions, car insurance will help you deal with the situations with an ultimate peace of mind.

2- Is it Necessary to Have Car Insurance in Pakistan?

Yes, it is a must to have. However, according to the traffic laws of Pakistan, the driver must own the third party insurance of liability. If not so, he will have to pay a fine and might be charged with punishment for violation of traffic rules. The third-party liability insurance service providers offer services for property damage, car damage, death by vehicle, and physical injury etc.

Related Read: 4 Big Reasons Not To Let Your Car Insurance Lapse!

3- What Emblements Impact the Car Insurance Premium in Pakistan?

It is important for you to know what major elements are there that might have an impact on the car insurance premium in Pakistan. The car insurance service providers in Pakistan, consider a number of factors before finalizing terms for the premium of your car insurance. Below are some of the key factors that can have an impact on the car insurance in Pakistan;

•         The value of your vehicle
•         The insured estimate value
•         Model and make of vehicle
•         Age of the car
•         In which area it is used and where it is parked when not on the ride
•         Do the car have  a tracker or not

4- Is Car Insurance Policy Only for Registered Owner?

Yes, in Pakistan the insurance policy is issued in the name of the registered owner of the car. However, you can purchase the insurance policy if you own an unregistered vehicle but you have to provide the documentation of registration in time of 15 days. In another case, the policy will be terminated.

5- What if the husband and Wife Both are driving the same car?

If both husband and wife are driving the same car, the insurance policy will go for both of them. The insurance policy in Pakistan is provided on the basis of the vehicle and not the person. However, these service providers will do ask for the details of the car owner and the person who will be driving the car. It is necessary for the registration of the vehicle insurance.

6- Do Service Provider Ask for Driving History?

Before offering the insurance policy the car insurance services providers will do ask for the policy owner various questions. The service provider might ask you your history of driving, if you have had any accidents in the past, or if you are a rash driver. It helps them to calculate the risk level.  Also before giving you the insurance policy, they will check the vehicle in detail for if there is any damage to it or not. So the driving history of the people who will be driving the car is a must for the services providers before they will issue you an insurance policy.

7- Do We Separate Insurance for Every Car?

Every car has its own insurance. One policy will be applicable only on one car. If you have more than one car, you will need to buy a separate insurance policy for them. You may find some insurance provider who will transfer a single insurance policy from one car to another but you have to pay the premium separately.

8- An Insurance Policy Covers Entire Pakistan or One Province?

Most of the insurance provider covers entire Pakistan. However, there are some insurance providers who have excluded some sensitive parts of Pakistan including Balochistan. This is done due to the security issues. If the client looks for some insurance for sensitive areas, he/she must ask the service provider and will have to pay some additional amount in this regard.

Related Read: 6 Smart Tips To Cut Down On Your Car Insurance Cost!

9- Can We Get Short-term Insurance Cover?

If you are asking about a genuine car insurance service provider then surely there is not short term car insurance cover in Pakistan. However, the owner of the insurance can cancel the policy at any moment. The policy owner can also claim a refund if he or she has not claimed an accident during this time period and if there are a minimum of 120 days left till the expiration of the policy for car insurance.

10- Car Insurance Requirements while Renting a Car:

When you are renting a car, you do not need to buy the insurance car in your name. the cars that are used by the car rental businesses are insured under the specified category and is done in the name of the actual owner of the car or the company who rent the car to the third party for temporary use.

These are the most general norms of the car insurance industry in Pakistan. There are chances that the insurance provider may have some specified terms and conditions of their own but the above said are to be applicable in all cases.

Related Read: Car Insurance in Pakistan: An Easy to Use Guide for First Time Buyers

Otherwise, in any case, we would recommend you to study the policies or terms and conditions in detail before signing an agreement of the car insurance policy in Pakistan, to keep yourself safe and out of any hassle or hidden charges.

Khurram Zahid

The post 10 Things You Must Know Before Going for Car Insurance in Pakistan appeared first on Smartchoice.pk.

There is one thing you should always keep in mind and that is the maintenance of the car. Especially of the new car. Because it is always better to prevent a damage. If you take care of your newly bought car, it will not create problems for you for a long time and will live a longer life. It will also save the maintenance cost of getting it fixed again and again. The first thing to do is to get your car insured. Insurance for your car will save you a lot of trouble should anything unfortunate happen in the future. Research and look through some comprehensive insurance policies that suit your needs and your budget, and then get the best car insurance to save yourself an your car. After doing so, focus on these tips to maintain your new car:

Related Read: 4 Big Reasons Not To Let Your Car Insurance Lapse!

1. Car Washing

Wash your car regularly so it does not start looking old and dingy. Would you want that? Of course, not! So to prevent that from happening wash your car daily or on alternative days thoroughly to remove loose dirt and grime.

You need to be very careful with the cleaning, though. It could leave swirl marks which will make your car look untidy. But you can surely avoid them by using good quality car washing shampoo, wash mitt, and microfiber drying towels. Another important thing you can do to prevent swirls is by using two separate buckets, one for your car and the other for rinsing the mitt. With the usage of high quality products and a perfect way of washing you could make your car look new for a very long time. And who would not want that?

2. Clay Your Car

Give your car a sleeker look by claying your car. Clean the paint of your car by detailing it with clay so that all bonded surface contaminants are removed. It is a common believe that new cars don’t need any claying, but sadly, that’s not true. Contaminants have nothing to do with the fact that your car is new or old, they just appear. But keep in notice, claying your car does not substitute for polishing your car. Your car first stays at a factory, then for shipping, and then at shops, they go through a lot before you take them under your care, so treat them with love and get it clayed as soon as possible.

3. Polish your New Car

This might sound a little absurd, the new car is already in its best shape, why polish? But this is important. Protect the painted surface of your car ( as is mentioned before your car goes through different stages before it is handed to you) so it is not as new as we believe it to be. Protect the paint with car waxes, paint sealants, or paint protectants.

4. Change the Oil

Changing oil goes without saying. It is very important to change oils in a new car. Nothing works better for a car to last long than changing oil and checking oil levels. Similarly nothing would destroy your car more than ignoring either of these things. Fresh oil helps the engine run smoothly and a car is nothing without a good engine. You put your car at risk when you don’t change the oil regularly because the old oil gets dust particles in it which are in no way good for your engine as well as the car.

5. Flush The Cooling System

Not just changing oils but flushing the cooling system regularly is just as important. Flush the cooling system once a year and change the coolant. Always make sure that you mix fifty-fifty of coolant and distilled water to keep the cooling system working better. It keeps the cooling system in good shape as well as prevents corrosion and also does not let deposits build up inside the cooling system.

It is very important to starting to take care of your car as soon as you bring it home for the first time. Because as late as you do it would just increase the problems, it will cost you a lot time and again, and would waste a lot of your time too. And nobody wants to waste time, energy, or money. All these three things are precious to everybody. Why not take care and save all these along with your car and have it run fine for a long long time.

Khurram Zahid

The post Top 5 New Car Care Tips You Should Never Forget appeared first on Smartchoice.pk.