Auto Direct Insurance

Replace stolen and total loss cars in 7 days
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About Auto Direct Insurance

TPL Insurance’s Auto Direct protects you and your car from unforeseen incidents and accidental damages by providing a wide range of coverage that are specially tailored for every make and model of the vehicle, based on the risk profiling.

Stay financially stable while on the go with Auto direct variants including Comprehensive Auto Insurance, 2T, Secure T and Zero Depreciation.

Moreover, customize your insurance policy with value added products which includes Kar4Kar, Personal Accident, EVAC and Kar4Kar Registration.

For your complete peace of mind, get the best auto insurance that comes with:


The Fastest Claim Settlement


Unparalleled Value Added Provisions


24×7  call centre and Mobile App

Our Packages


Comprehensive Car Insurance

Get your car covered from minor damages to total loss with TPL Comprehensive Auto Insurance Coverage.



Insure your car for basic coverage for theft and Third Party with the affordable prices and free value added features. Get 2T now and insure your car right away!


Secure T

Looking to protect the memories of your old car? Get Total Loss, Theft, Third Party and Terrorism coverage with Secure T if your car is older than 2015.



Earn points for safe driving with insurance telematics. Track your driving score, view driving and violation data and spot areas for improvement on the go. Redeem those points on TPL Insurance Mobile App to get exciting discounts.


Zero Depreciation

Protect your car with a comprehensive auto insurance coverage for 3 years and older vehicles and save your depreciation charges from any effects of aging, wear or tear.

  • What's Covered?
  • What's not Covered?
Features Comprehensive Zero Depreciation DrivePro Secure T 2T
Car Type
New, Old
Third Party
Total Loss
Depreciation Waiver

The insurer shall not be liable under this policy in respect of:

  1. Any accident loss, damage and/or liability caused sustained or incurred outside the geographical area.
  2. Any claim arising out of any contractual liability.
  3. Any accident loss, damage and/or liability caused sustained or incurred whilst any motor car in respect of or in connection with which insurance is granted under this policy is:
    a). Being used otherwise than in accordance with the limitations as to use; or
    b). Being driven by any person other than a driver as described in the schedule;
    c). Being used as rent vehicle
  4. a) Any accident, loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss; b) Any liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self-sustaining process of nuclear fission.
  5. Any accident loss, damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
  6. Any accident loss, damage and/or liability caused sustained or incurred after any variation in or termination of the insured’s interest in the motor car.
  7. Any liability whatsoever in nature, directly or indirectly, caused by or contributed to or by, arising from any act of terrorism of any person or organization.
  8. Any claim arising out of illegal or criminal activities of the Insured or with the consent of the Insured.
  9. Any claim which is found to be fraudulent and
    a). Insured or anyone acting on the insured’s behalf has provided false and/or forged documents or has provided delayed information to the insurer;
    b). It is found that the vehicle has not been legitimately registered with the respective authorities by the insured or any previous owner of the vehicle, as required under the law
  10. If any stolen vehicle has been recovered, but due to it being in the possession of the Law Enforcing Agencies/Court. It will then be the insured’s responsibility to initiate legal proceeding for the return of the vehicle, under intimation to the insurer. The insurer shall not be liable in respect of any accident, loss, damage and/or liability, directly or indirectly, proximately or remotely, occasioned by, contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after 05 declaration of war), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection, military or usurped commotion, assuming the proportions of or amounting to a connection with any organization with activities directed towards the overthrow by force of the Government, de jure or de facto, or to the influencing of it by terrorism or violence or by any direct of indirect consequences of any of the said occurrences and except under Section 21 (a) of this policy whilst the insured or any person driving with the general knowledge and consent of the insured is under the influence of intoxicating liquor, drugs and in the event of any claim hereunder the insured shall prove that the accident loss, damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to/by or traceable to any of the said occurrences of any consequence thereof and in default of such proof the insurer shall not be liable to make any payment in respect of such a claim.
  • VAF
  • How To
  • Downloads


Get your car replaced with the new car with same make and model within 7 days if you’ve suffered a total loss or your car have been stolen along with new car registration.

Personal Accident

The Personal Accident Value addition has your hospital bills covered if you have an accident. You don’t need to worry about anything with our Personal Accident coverage we care for you and your vehicle.


No need to worry about a mechanical breakdown to a flat tyre. EVAC service is available 24/7 for your assistance. This add-on is available only in Karachi.

Kar4Kar registration

Getting Kar4Kar? You don’t have to pay for registration charges from your pockets either. We will cover complete cost of new car registration to save your valuable time and money


For your convenience

Intimate the claim online by providing the below required information or call at 24/7 TOLL FREE NUMBER (021-111-000-301):

  1. Policy number
  2. Vehicle Particulars
  3. Date of accident
  4. Place of accident
  5. Circumstances of loss & details of damages (e.g. Death/bodily-injury/property damage)
  6. Name of workshop (where survey will be held for assessment of loss prior to start repairing the vehicle).
  7. Date and time of survey
  8. Details of Insured & contact number.
  9. Email of insured
  10. Details of Third-party & contact number.
  11. Name of Insurance Company of Third Party.
  12. Confirmation of Police Report.

TPL Insurance will review your claim and approve it with 4 easy steps:

  1. Claim intimation received
  2. Verify the policy and premium details with CRM
  3. Appoint surveyor to examine the vehicle
  4. Claim approved!

We’d love to serve you, again! Renew your policy as per your convenience through:

  1. TPL Insurance Mobile App
  2. Through website
  3. Renewal Forms
  4. UAN 021-111-000-301

Insured: the person(s) covered by the insurance policy.

Premium: the amount paid annually to purchase the insurance policy

Beneficiary: the person(s) designated to receive the amount of claim in case of the accidental death of the insured person.

Deductible: The amount of money that you must pay out of pocket for damages sustained, such as in a collision, before your insurance kicks in and starts to make payments.

Comprehensive: a full 360 degree coverage for damage to your vehicle due to collision including accidental damages, theft and total loss.

Depreciation: a decrease in the value of vehicle due to ageing, wear or tear.


Frequently Asked Questions

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