Get your Takaful Membership 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 Takaful Membership.
Failure to maintain this Takaful coverage may prevent vehicle registration, transfer of ownership, or renewal of vehicle taxes.
Motor Third Party No-Fault Takaful is a legally required Shariah-compliant arrangement that provides financial compensation to third parties for death or bodily injury resulting from a road traffic accident involving the covered vehicle.
Under this law, the Government of Sindh has made Motor Third Party Liability Takaful mandatory for all vehicles registered in the province.
This Takaful product ensures that victims of road accidents receive compensation without the need to establish fault or negligence
With Jubilee General Insurance Company Limited - Window Takaful Operations, customers can now purchase this mandatory cover instantly online and remain compliant with Sindh Government regulations.
Third Party No-Fault Takaful protects individuals affected by an accident involving the covered vehicle.
This allows compensation to be processed without lengthy legal proceedings, helping provide financial relief to victims or their families.
The Takaful Membership will cover:
Important Note: A vehicle cannot be registered, transferred, or have taxes processed without valid Third Party Takaful. Compensation for death or injury must be paid from the Takaful Fund 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.
| 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 Takaful Participant Membership Document and relevant Sindh Government notification.
The Takaful provides compensation for death or bodily injury to third parties caused by the covered vehicle in a road traffic accident.
Covered individuals may include (but are not limited to):
This Takaful does not cover:
To initiate a claim, the following documents may be required depending on the nature of the case.
Once documentation is complete, the claim will be processed in accordance with statutory timelines as stated in the Sindh Government Gazette..
This Takaful can be purchased by:
Purchasing Motor Third Party No-Fault Takaful through Jubilee General Insurance Company Limited - Window Takaful Operations is quick and simple.
Third Party Takaful fulfills the legal requirement only. You may upgrade to Comprehensive Motor Takaful for protection against:
Explore Comprehensive Motor Takaful
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Yes. Under the Provincial Motor Vehicles (Amendment) Act 2026, all vehicles registered in Sindh must carry valid Motor Third Party Liability Takaful or Insurance.
No-Fault Motor Takaful allows compensation for third-party injury or death without the need to establish negligence or fault in court.
Yes. Jubilee General Insurance Company Limited - Window Takaful Operations allows customers to purchase Motor Third Party Takaful online instantly.
No. Third Party Takaful only covers injury or death to third parties. Damage to your own vehicle requires Comprehensive Motor Takaful.
Under Sindh regulations, admissible claims must be processed within 45 days after submission of complete documentation.