Chat with Us

Mandatory Third Party No Fault Motor Insurance

No Fault. No Delay. Fully Compliant.
Mandatory Protection for Vehicles registered in Sindh

Get your policy in minutes, stay registration-ready and ensure swift no-fault compensation for third parties as required under the Provincial Motor Vehicles (Amendment) Act, 2026 (Sindh).

All vehicles registered in Sindh must carry valid Motor Third Party Liability Insurance.

Failure to maintain this insurance may prevent vehicle registration, transfer of ownership or renewal of vehicle taxes.

Motor Third Party No-Fault Insurance is a legally required policy that provides financial compensation to third parties for death or bodily injury resulting from a road traffic accident involving the insured vehicle.

Under this law, the Government of Sindh has made Motor Third Party Liability Insurance mandatory for all vehicles registered in the province.

This policy ensures that victims of road accidents receive compensation without the need to establish fault or negligence.

With Jubilee General Insurance, customers can now purchase this mandatory cover instantly online and remain compliant with Sindh Government regulations.

Third Party No-Fault Insurance protects individuals affected by an accident involving the insured vehicle.

This allows compensation to be processed without lengthy legal proceedings, helping provide financial relief to victims or their families.

The policy may cover:

  • Pedestrians
  • Occupants of other vehicles
  • Cyclists and roadside individuals
  • Passengers of third-party vehicles
  • Conductors and helpers of commercial vehicles

  • A vehicle cannot be registered, transferred, or have taxes processed without valid Third Party insurance.
  • Compensation for death or injury must be paid by the insurer within 45 days of receiving complete documentation, in accordance with the law.

This framework promotes responsible road usage and ensures that accident victims receive financial protection without unnecessary delays.

  • Death Benefit: Compensation up to PKR 700,000 per person
  • Permanent Disability / Injury: Compensation as per the statutory compensation schedule
  • Aggregate Liability: Up to PKR 20,000,000 per vehicle per accident

Injury Type Compensation
Death PKR 700,000
Loss of both hands / arms / legs / feet PKR 500,000
Loss of sight in both eyes PKR 500,000
Loss of one arm or hand PKR 450,000
Loss of one leg or foot PKR 400,000
Loss of sight in one eye PKR 250,000
Loss of thumb (right) PKR 150,000
Loss of thumb (left) PKR 100,000
Loss of hearing in one ear PKR 100,000
Other minor injuries PKR 25,000

The full compensation schedule is provided in the Policy Document and relevant Sindh Government notification.

The policy provides compensation for death or bodily injury to third parties caused by the insured vehicle in a road traffic accident.

Covered individuals may include (but are not limited to):

  • Drivers and passengers of other vehicles
  • Pedestrians
  • Cyclists
  • Roadside persons
  • Conductors or helpers of commercial vehicles

This policy does not cover:

  • Damage to the insured vehicle
  • Injuries to the insured driver or vehicle owner
  • Accidents occurring outside Pakistan
  • Incidents caused while driving under the influence of alcohol or drugs
  • War, terrorism, nuclear risks, or non-traffic related events

To initiate a claim, the following documents may be required depending on the nature of the case.

For Death Claims
  • Claim Form
  • NADRA Succession Certificate
  • FIR confirming the road traffic accident
  • Valid Motor Third Party Insurance policy details
For Disability Claims
  • Claim Form
  • Traffic police accident report
  • Disability certificate from hospital along with discharge summary
  • CNIC or B-Form of the injured person
  • Valid Motor Third Party Insurance policy details

Once documentation is complete, the claim will be processed in accordance with statutory timelines as stated in the Sindh Government Gazette.

This insurance can be purchased by:

  • Private vehicle owners
  • Commercial vehicle operators
  • Motorcycle and rickshaw owners
  • Corporate fleet operators

Simply click below to obtain instant online coverage.

Purchasing Motor Third Party No-Fault Insurance through Jubilee General Insurance is quick and simple.

Customers can obtain instant coverage by completing a short online process.

Customers across Sindh and Pakistan can conveniently buy Third Party Motor Insurance online and remain compliant with regulatory requirements.

Stay compliant with Sindh regulations and ensure protection for third parties on the road.

  • Instant policy issuance
  • Secure digital verification
  • Fully compliant with Sindh Motor Vehicles Act
  • Trusted insurer with nationwide claims support

Third Party Insurance fulfills the legal requirement only. You may upgrade to Comprehensive Motor Insurance for protection against:

  • Accident damage
  • Theft
  • Fire
  • Natural disasters
  • Additional third-party liability protection
  • Additional protection benefits available under comprehensive coverage

Explore Comprehensive Motor Insurance
or
Submit details for contact via Call Centre

FAQs:
  • Is Third Party Motor Insurance mandatory in Sindh?

    Yes. Under the Provincial Motor Vehicles (Amendment) Act 2026, all vehicles registered in Sindh must carry valid Motor Third Party Liability Insurance.

  • What is No-Fault Motor Insurance?

    No-Fault Motor Insurance allows compensation for third party injury or death without the need to establish negligence or fault in court.

  • Can I buy Third Party Insurance online in Pakistan?

    Yes. Jubilee General Insurance allows customers to purchase Motor Third Party Insurance online.

  • Does Third Party Insurance cover damage to my own vehicle?

    No. Third Party Insurance only covers injury or death to third parties. Damage to your own vehicle requires Comprehensive Motor Insurance.

  • How long does it take to settle a claim?

    Under Sindh regulations, admissible claims must be processed within 45 days after submission of complete documentation.

This product is issued in compliance with the Provincial Motor Vehicles (Amendment) Act, 2026 (Sindh) and applicable regulations governing Motor Third Party Liability Insurance.

Coverage, limits and claim settlements remain subject to policy terms, conditions and statutory provisions.