Protect Your Ride with Confidence: Habib Car Insurance
Buy Habib Car Insurance: Affordable, Comprehensive Coverage
Protect Your Vehicle, Protect Your Future with Habib Car Insurance!
At Habib Car Insurance, we believe in making the road a safer place for you and your vehicle. With a range of car insurance plans designed to suit every budget and need, we provide protection from accidents, theft, natural disasters, and more.
Explore Habib Car Insurance Plans
Discover a range of car insurance plans tailored to meet your specific needs. Habib General Insurance ensures that you get the best value for your money with flexible plans designed to cover all aspects of car ownership.
Habib Comprehensive Car Coverage
Key Features:
- Protection Against Own Damage: We’ve got you covered for accidents, theft, fire, and even natural disasters like earthquakes and floods.
- Third-Party Liability: Safeguard yourself against legal liabilities arising from injuries, deaths, or property damage to third parties caused by accidents involving your insured vehicle.
- Personal Accident Cover: We extend our care to you and your passengers, providing compensation for injuries or fatalities resulting from accidents.
Experience the peace of mind that comes with comprehensive car coverage from Habib Insurance. Our plan offers bumper-to-bumper protection, ensuring your car is fully shielded against a wide range of risks.
Habib Elite Plan
This is our most comprehensive insurance plan, designed for drivers who want full protection for their vehicle and peace of mind on the road.
- Full Accident Coverage: Whether you’re involved in a minor fender-bender or a major collision, this plan covers damages to your vehicle.
- Theft & Fire Protection: In case your vehicle is stolen or damaged by fire, you are fully protected under this plan.
- Zero Depreciation Coverage: With this benefit, you will not face any depreciation deductions for parts replaced after an accident, ensuring you get the full value of your vehicle.
- Natural Calamities Coverage: This includes protection from damages caused by natural disasters like floods, storms, hurricanes, or earthquakes.
- Ideal For: Drivers looking for top-tier, all-encompassing protection, with the maximum level of coverage for any situation.
Habib Secure Plan
The Habib Secure Plan offers essential protection for those who want reliable coverage at a reasonable price.
- Theft Coverage: Protects your vehicle in case it is stolen.
- Third-Party Liability: This covers any damage or injury you cause to another person or their property during an accident.
- Fire Protection: Your vehicle is covered if it is damaged by fire, whether accidental or intentional.
- Ideal For: Vehicle owners seeking effective protection without the need for extras, perfect for those looking for basic security and peace of mind.
Habib Basic Plan
This is the most budget-friendly plan, offering minimum legal coverage at the lowest possible cost.
- Third-Party Liability Coverage: This is the legal requirement in Pakistan, covering damages to other people or their property in the event of an accident where you are at fault.
- Ideal For: Budget-conscious drivers who need to meet the legal insurance requirement but want to keep their premiums as low as possible.
Habib Flexi Plan
Designed specifically for owners of older vehicles, the Habib Flexi Plan provides flexible protection options that are suited for cars that may not need full comprehensive coverage.
- Accident Coverage: Covers damages to your vehicle resulting from accidents.
- Theft Coverage: If your vehicle is stolen, this plan provides coverage.
- Damage Coverage: This plan also includes partial damage repair coverage for incidents that do not involve total loss.
- Ideal For: Owners of vehicles from 2016 or earlier who are looking for flexible and affordable protection.
Habib Self-Cover Plan
This is an innovative, cost-effective option that allows drivers to handle small damages themselves while still enjoying overall protection at a lower premium.
- Coverage Includes: Minor damages up to PKR 15,000 can be handled out-of-pocket, and in return, you receive a 20% discount on your premium.
- Third-Party Liability: Standard third-party coverage is included for any damage caused to other parties.
- Ideal For: Cost-conscious drivers who are comfortable handling small repairs themselves and want to reduce their insurance costs.
Here’s a table summarizing the Habib Car Insurance Plans:
| Plan Name | Coverage Details | Premium Rate | Ideal For |
|---|---|---|---|
| Habib Elite Plan | – Full Accident Coverage – Theft & Fire Protection – Zero Depreciation Coverage – Natural Calamities Coverage | Competitive | Drivers seeking comprehensive, all-inclusive coverage |
| Habib Secure Plan | – Theft Coverage – Third-Party Liability – Fire Protection | Affordable | Vehicle owners needing essential yet effective protection |
| Habib Basic Plan | – Third-Party Liability Coverage | Lowest | Budget-conscious drivers looking for legal compliance |
| Habib Flexi Plan | – Accident Coverage – Theft Coverage – Damage Coverage | 2.75% | Owners of cars from 2016 or earlier seeking flexible coverage |
| Self-Cover Plan | – Handle damages up to PKR 15,000 – 20% Discount on Premium | Cost-Effective | Cost-conscious drivers managing minor damages |
This table provides a quick comparison of Habib Car Insurance Plans in terms of coverage, premium rates, and target audience.
Key Features and Benefits:
Habib Car Insurance is offered by Habib Insurance Company Limited, a well-established insurance provider in Pakistan. It provides comprehensive coverage for your vehicle, protecting you against various risks and accidents.
- Comprehensive Coverage
- Customizable Plans
- Easy Claims Process
- 24/7 Customer Support
- Online Services
- Shariah-Compliant Takaful
- Private Car Insurance
- Commercial Vehicle Insurance
- No Claim Bonus
- Emergency Assistance
- Windscreen Replacement
- Temporary Transportation
- Cargo Insurance
Why Choose Habib Comprehensive Car Coverage?
Habib Insurance is a trusted name in the Pakistani insurance industry, offering a wide range of car insurance plans to protect your vehicle and provide you with peace of mind on the road. Here are some compelling reasons to choose Habib Car Insurance:
- 100% Coverage: Enjoy complete peace of mind knowing your car is protected from all angles.
- Tailored Plans: Our plans can be customized to meet your specific needs, ensuring you’re not paying for anything you don’t require.
- Efficient Claims Process: We understand that accidents can be stressful. Our efficient claims process ensures a smooth experience, minimizing your inconvenience.
- Trusted Reputation: Habib Insurance is a renowned name in the insurance industry, known for our reliability and customer satisfaction.
FAQs About Habib Car insurance
Habib’s Comprehensive Car Insurance covers a wide range of risks, including accidental damage, theft, fire, natural calamities (floods, earthquakes, storms), and third-party liabilities. It also covers damage or loss to your vehicle during transit and provides additional protection through optional add-ons like roadside assistance and personal accident cover.
- Habib Elite Plan offers full coverage, including accident damage, theft, fire, zero depreciation, and natural calamities, with a competitive premium.
- Habib Secure Plan provides essential coverage, including theft, third-party liability, and fire protection, at an affordable rate.
- Habib Basic Plan offers minimal coverage focused on third-party liability, which is legally required in Pakistan, and is the most budget-friendly option.
Yes, the Habib Flexi Plan is designed specifically for older cars, typically vehicles from 2016 or earlier. It offers flexible coverage options, including accident and theft protection, at an affordable premium.
Habib’s Roadside Assistance provides 24/7 help if your car breaks down or needs towing. The service covers flat tires, dead batteries, fuel delivery, and emergency towing within designated areas. It can be added to any of our insurance plans for extra peace of mind on the road.
The Habib Self-Cover Plan allows drivers to manage minor damages (up to PKR 15,000) out-of-pocket in exchange for a discount on their insurance premium. This option is ideal for cost-conscious drivers who prefer lower premiums and are willing to handle smaller repairs themselves.