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Car Insurance

Disclaimer: Webdoc in partnership with our underwriter East West insurance company is providing the product. This is a recurring payment model

1. Coverage Limitations:

    • Fire, loss, and theft are excluded from coverage.
    • Coverage is applicable only in the event of a Road Traffic Accident (RTA), as defined by the terms of this policy.

2. Eligibility Criteria:

    • The policyholder must be a licensed holder.
    • The policyholder must be the owner of the insured car.
    • Age of the policyholder must be between 18 and 59 years.
    • The insured car must be used solely for domestic or transportation purposes, excluding involvement in racing or other activities.

3. Exclusions:

    • Excluded perils include war, strikes, riots, civil commotion, and any natural or man-made disasters leading to a declaration of a state of emergency on a local or national level.
    • Coverage does not extend to preexisting conditions (accidents/damages/Hospitalization) of the insured car and insurer.
    • Services related to vehicle modification or customization are not covered.
    • Routine maintenance services such as oil changes, tire rotations, or battery replacements are excluded.
    • Vehicles used for commercial purposes, such as Bykea or Careem, etc., are not covered unless specifically included in the policy.
    • Services performed at repair shops or dealerships, including repairs or maintenance, are excluded unless specifically covered in the policy.

4. Claims Process:

      • All claims must be filed via whatsapp within a maximum of 15 days from the date of the Road Traffic Accident (RTA).
      • The following documents are required to raise a claim:
        • Registration Book of the insured car.
        • Police report documenting the RTA.
        • Valid license of the policyholder.
        • National Identity Card (CNIC) of the policyholder.
        • Repair receipts where applicable.
        • Hospital admission, bills, discharge slip, and emergency bills in case of RTA-related injuries.
        • Upon completion of the required documentation, claims will be processed and paid within 15 days.