Car Insurance vs Travel Insurance in Pakistan 2026
1. Best Car Insurance in Pakistan
Car insurance protects you financially against risks involving your vehicle, such as accidents, theft, fire, natural disasters and third-party liability, depending on the policy.
The 3 main types
| Type | What it covers | Best for |
|---|---|---|
| Third-Party | Injury/death and property damage caused to another person | Minimum/basic protection |
| Own Damage | Damage to your own vehicle from covered events | Car owners wanting vehicle protection |
| Comprehensive | Own damage + theft + third-party liability and other covered risks | ⭐ Best overall protection |
For example, Adamjee currently describes its car products as third-party, comprehensive and own-damage insurance, with own-damage coverage including partial loss, total loss and theft.
My preferred type: Comprehensive
If you own a relatively new or valuable car, I would generally choose comprehensive insurance rather than purchasing only third-party coverage.
A comprehensive policy can cover risks such as:
- 🚘 Accident damage
- 🔥 Fire
- 🚨 Theft
- 🌧️ Flood
- 🌪️ Storm/natural disasters
- 💥 Malicious/riot damage where covered
- 👤 Third-party bodily injury/death
- 🏠 Third-party property damage
- 🚗 Total loss
- 🔧 Partial loss
- 🚚 Towing/vehicle removal subject to policy limits
Jubilee General's published private-car comprehensive product, for example, lists accidental damage, fire, theft, malicious acts, riot/strike and several natural-disaster risks among its covered perils.
Best Car Insurance Companies to Compare
1. Adamjee Insurance
Adamjee is one of the major general insurers in Pakistan and offers:
- Third-party insurance
- Comprehensive insurance
- Own-damage insurance
- Online quotations/purchase
- Theft coverage
- Partial-loss coverage
- Total-loss coverage
Its website currently allows customers to enter vehicle details and obtain an online quote.
Adamjee Insurance — official website
2. Jubilee General Insurance
Jubilee General is another company worth comparing for private-car comprehensive insurance.
Its published comprehensive product currently advertises a minimum rate of 1.75% net of the insured estimated value, although your actual quotation can differ based on the vehicle, model year, value, location, coverage and policy terms.
Jubilee General Insurance — official website
3. EFU General Insurance
EFU General offers motor insurance for private vehicles, commercial vehicles and motorcycles, including comprehensive, third-party and own-damage options.
EFU General Insurance — official website
How much does car insurance cost?
There is no single fixed price.
Your premium can depend on:
- Car's market/insured value
- Make and model
- Manufacturing year
- Vehicle usage
- City
- Previous claims
- Deductible/excess
- Tracker requirements
- Coverage selected
- Additional riders
Example
If a car is insured for:
Rs. 5,000,000
and an insurer quotes approximately 2%, the annual premium would be around:
Rs.100,000
But this is only a mathematical example. Do not use 2% as a quotation; obtain an actual quote from the insurer.
Important: Insured value
Don't automatically insure your car for an artificially low amount just to reduce the premium.
For example:
Actual value = Rs.5 million
but you insure it for:
Rs.3 million
You may have inadequate protection in the event of a major loss, depending on the policy's terms and settlement methodology.
2. Best Travel Insurance in Pakistan
Travel insurance is completely different from car insurance.
It protects you while travelling inside or outside Pakistan, depending on the policy.
It can cover:
- 🏥 Emergency medical expenses
- 🚑 Medical evacuation
- ✈️ Trip cancellation
- 🧳 Lost baggage
- 🛂 Lost passport
- 🛫 Flight delay
- 👨👩👧 Family emergency
- ⚰️ Repatriation of mortal remains
- 👤 Accidental death
- 🦷 Emergency dental treatment
- 📞 24/7 assistance
Travel Insurance for Different Countries
This is particularly important because the required coverage differs by destination.
🇪🇺 Schengen Europe
For a Schengen visa, travel medical insurance generally needs to meet the Schengen requirements.
Jubilee's International ViaCare currently offers a Schengen-compliant plan with US$50,000 or equivalent medical/hospitalization cover.
Adamjee also publishes a Schengen Active Plan designed to meet the €30,000 minimum emergency medical expense, evacuation and repatriation requirement.
Before purchasing:
Check that your certificate explicitly states:
Schengen / Europe coverage + required medical limit + evacuation/repatriation + required territorial validity.
🇬🇧 UK Travel
For the UK, travel insurance is generally about financial protection, rather than simply satisfying the same Schengen insurance requirement.
I recommend selecting a plan with substantial:
- Emergency medical coverage
- Hospitalization
- Emergency evacuation
- Repatriation
- Baggage protection
- Personal liability where available
🇺🇸 USA Travel
For the USA, I would strongly recommend high medical coverage because medical treatment can be extremely expensive.
Don't select a plan simply because it is the cheapest.
Look carefully at:
Medical limit + deductible + exclusions + emergency assistance + evacuation.
Adamjee currently has travel plans specifically covering USA, UK, Canada and worldwide destinations.
🇨🇦 Canada Travel
For Canada, use the same principle:
High medical coverage + emergency assistance + evacuation/repatriation + baggage/travel protection.
If the purpose is a visa application, always check the latest requirements applicable to your specific visa/category rather than assuming that every travel policy qualifies.
Hajj / Umrah / Ziarat
Some Pakistani insurers also have dedicated travel products.
Adamjee currently lists separate:
- International plans
- Student plans
- Hajj/Umrah & Ziarat plans
- Domestic travel plans
on its travel-insurance page.
Best Travel Insurance Companies to Compare
Jubilee General
Its International ViaCare currently provides:
- Individual plans
- Family plans
- Schengen-compliant option
- Worldwide/non-Schengen option
- Medical expenses
- Evacuation/repatriation
- Baggage protection
- Passport-loss coverage
- Trip cancellation
- Flight-delay coverage
- 24/7 worldwide assistance
For its published Multi-Purpose plan, the listed medical/hospitalization limit is US$10,000, while its Schengen-compliant option provides US$50,000 or equivalent.
It also publishes premiums by travel duration. For example, its currently displayed individual premiums include Rs.750 for 7 days, Rs.950 for 14 days, Rs.1,400 for 21 days and Rs.1,900 for 31 days for the specified plan.
Jubilee General Travel Insurance — official page
Adamjee Insurance
Adamjee's current travel portfolio includes multiple plans depending on destination and coverage level.
It lists:
International → Student → Hajj/Umrah/Ziarat → Domestic
and provides options for destinations including USA, UK, Canada, Schengen and worldwide travel.
Its published plans include different durations from short trips to longer stays and annual multi-trip options.
For example, its displayed worldwide/USA-UK-Canada pricing for the Secure Supreme individual plan starts at Rs.4,100 for 7 days and increases with duration.
Adamjee Travel Insurance — official page
Car Insurance vs Travel Insurance
| Feature | 🚗 Car Insurance | ✈️ Travel Insurance |
|---|---|---|
| Main purpose | Protect vehicle/third parties | Protect traveller |
| Duration | Usually annual | Usually trip-based |
| Accident | ✅ Vehicle damage/third party | ✅ Personal accident, depending on plan |
| Theft | ✅ Car theft | ✅ Baggage/passport, depending on plan |
| Medical | Usually limited/related to policy | ✅ Major component |
| Baggage | ❌ | ✅ |
| Passport | ❌ | ✅ Some plans |
| Flight delay | ❌ | ✅ Some plans |
| Vehicle damage | ✅ | ❌ |
| Third-party liability | ✅ | Sometimes |
| Emergency evacuation | Usually ❌ | ✅ |
| Best for | Car owners | International/domestic travellers |
Which one should you buy?
If you own a car:
New/expensive car → Comprehensive
Older/low-value car → Compare comprehensive vs own-damage vs third-party
Only minimum legal/basic protection → Third-party
If you travel internationally:
Schengen → Schengen-compliant travel insurance
USA → High medical-limit travel insurance
UK/Canada → Strong medical + evacuation/repatriation coverage
Hajj/Umrah → Dedicated plan can be worth considering
Several international trips every year → Compare annual multi-trip insurance
What about Takaful?
If you prefer Shariah-compliant insurance, look for General Takaful options rather than assuming a conventional policy is equivalent.
SECP's Takaful study specifically identifies motor and travel insurance among personal-lines non-life areas where Takaful solutions can be developed/expanded.
My practical recommendation
For your car
First compare Adamjee, Jubilee General and EFU General and request the same comprehensive coverage from all three.
Don't compare only the premium—compare:
insured value + deductible + theft + total loss + partial loss + flood/natural disaster + third-party liability + workshop/network + claim process.
For travel
For a normal international trip, I would compare Jubilee General vs Adamjee first because their current published products clearly provide international, Schengen and other destination-specific options.
Most important rule
Cheapest insurance ≠ best insurance.
The best policy is the one that provides the right coverage limit, acceptable exclusions, manageable deductible and reliable claims support for your particular car or destination.
Also, before purchasing, verify that the insurer is currently active with SECP; the regulator's current list is dated June 30, 2026.
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