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Pak-Qatar Car Insurance

Pak-Qatar Takaful insurance is amongst the pioneers of Takaful in Pakistan, Pak-Qatar General Takaful Limited is known for providing valued financial services, including need-based and custom-made solutions in addition to a comprehensive product portfolio. The company’s intelligent investment in technology also helps the insurance company to provide better service while standing out as technological leaders in the industry.

Pak-Qatar Takaful Insurance is present in all major cities of Pakistan, and on track to expand its branch network even further, the Company is amongst the first and the most active in revitalizing the retail Takaful market in Pakistan.

Pak-Qatar General Takaful Limited is sponsored by some of the strongest financial institutions in Qatar, including Qatar Islamic Insurance Company, Qatar International Islamic Bank, Masraf Al-Rayan, and Fawad Yusuf Securities (Private) Limited.

What is Takaful?

Takaful is a community pooling system based on the principles of brotherhood and mutual help wherein participants contribute in a fund to help those who need it most in times of financial difficulties. In practice, Takaful can serve as a risk mitigation tool and an alternative to conventional insurance.

Plans Provided by Pak-Qatar Takaful Insurance

1. Comprehensive Car Coverage
2. Third Party Insurance

Pak-Qatar Takaful Comprehensive Car Insurance

Pak-Qatar Takaful’s comprehensive car insurance policy is the most superior kind of protection you can provide your car with. It is one step ahead of the basic third-party car insurance policy that offers protection and security only for the third-party or the vehicle you dash into. Third-party insurance fails to cover your own vehicle against the possibility of an accident. Comprehensive insurance on the other hand provides extensive coverage and offers more services. Although comprehensive car insurance offers more coverage than a Third-party cover, it is not necessary that a comprehensive cover will always be expensive.

What Does Pak-Qatar Takaful Comprehensive Insurance Cover?

In order to avoid any last-minute surprises, it is always better to have a complete grasp on the inclusions and exclusions mentioned in your vehicle insurance policy. For that, you must read it very carefully. Generally, you won’t need to worry about the following, as they will be covered under your comprehensive car insurance:

  1. Damage caused by Natural disasters or severe weather
  2. Fire
  3. Theft
  4. Vandalism
  5. Damage to the third party
  6. Damage to the vehicle caused by falling objects such as trees
  7. Damage or destruction of the vehicle caused by an act of civil disturbance such as riots/terrorist activities/war etc.

Benefits of Buying Pak-Qatar Takaful Comprehensive car insurance

The Pak-Qatar Takaful comprehensive car insurance policy protects your car from any unforeseen event except collision. It also covers losses incurred during an accident. Let’s take a look at the various other benefits of this “other than collision” cover:

  1. It is the highest level of protection you can give your car
  2. If you are found to be at fault in event of an accident, with comprehensive car insurance, you can claim for losses incurred in such situations
  3. It covers lawsuits, including legal fees brought against you as a result of an accident
  4. Peace of mind and financial protection
  5. Offers financial aid in case your car is written off
  6. Unlike third-party insurance, it covers damages caused to your own car during an accident

Third-Party Insurance

Third-party insurance is an insurance policy acquired for protection against the claims of another. One of the most common types is third-party insurance and it is also mandatory by the government. The Third-party provides coverage against claims of damages and losses sustained by a driver who is not the insured, the primary, and is therefore not covered under the insurance policy. The driver who caused/suffered damages or bodily injury is the third party.

Documents needed to procure Pak-Qatar Takaful Car Insurance Policy

Attach Copies of:

  1. Registration Book/Transfer Slip
  2. C.N.I.C. of Participant 5. Tracker Installation Certificate/Invoice (if installed with the vehicle)
  3. Last Renewal Notice 6. Any Other (Please specify)
  4. Business/Job Card
  5. Tracker Installation Certificate/Invoice (if installed with the vehicle)

General Exceptions by Pak Qatar Takaful Car Insurance

No payment will be made in respect of:

  1. Any accident, loss, damage, and/or liability caused, sustained, or incurred outside the Geographical Area as described in the schedule.
  2. Any claim arising out of any contractual liability
  3. Any accident, loss, damage, and/or liability caused, sustained or incurred whilst any Motor Car in respect of or in connection with which cover is granted under this Fund is:
    (a) Being used otherwise than in accordance with the Limitations to use as described in the schedule, or
    (b) Being driven by any person other than a driver as described in the said schedule
  4. (a) Any accident, loss, or impairment to any property of any kind or loss or expense whatsoever resulting from or arising therefrom or any significant loss:
    (b) Any liability of any kind nature directly or indirectly caused by or added to or arising from ionizing radiations or contaminations by radioactivity from any nuclear fuel or from any nuclear waste from the ignition of nuclear fuel. For the purposes of this exemption, combustion shall include any self-sustaining process of nuclear fission
  5. Any accident, loss, damage, and/or liability directly or indirectly caused by or contributed to or arising from nuclear weapons material
  6. Any accident, loss, damage, and/or liability caused, sustained, or incurred after any variation in termination of the participant’s interest in the vehicle.

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