Car insurance in Pakistan is getting quite popular with an increase in buyers. This is an act that must be appreciated since people are getting more aware of their assets and how to protect them. Indeed, one's health and life is an irreplaceable assets. After all, what matters is an individual's health that has to enjoy the luxuries of this world. 

Most people who are getting insurance come across terms like 2T, 3T, and 5T. Today, we will shed some light on 3T car insurance. As the term 3T suggests, it should cover 3 types of compromises for your car. Now let’s take a look at what these three damages are!

Total Loss Of Vehicle

The first damage the 3T car insurance policy covers are the one of a total loss of the vehicle. The total loss means that your vehicle was involved in an accident that caused the damage and totaled your vehicle. In this case, the repair is almost impossible and if there is any chance that the workshop can repair the car it might cost more than the price of your car. It will not be worth going through the hassle. So, in this case, the insurer will instead reimburse the market value or insured value of your vehicle. After that, you can decide what to do with the amount.



The second T of the 3T policy is Theft. In case your vehicle gets stolen and you cannot locate it and are unable to find it after all your resources are spent, the insurance company you’re insured with will then reimburse you for the insured value or market value of your vehicle. Hence making the 3T policy an effective policy to buy for your car.


Third-party Liability

In many countries, third-party liability cover is mandatory. It is mandatory in Pakistan as well. Third-Party liability cover is to protect the third party compromised in case of an accident involving your vehicle. In the 3T policy, your insurer covers you for third-party liability and reimburses the cost for it. This means that you don’t have to pay out of your pocket for the damages done to a third party in case of an accident.


Let’s Compare always tries to educate clients and followers about frequently asked questions. Hence this article is a great help to our audiences who frequently come across the terms like 2T, 3T, and 5T. Let us know if we were able to cover all the questions related to the 3T policy and if you have further questions. However, keep in mind that this policy, like every other policy, is only eligible if you have already bought it. Otherwise, you cannot file a claim after the damage has been done. For further information, visit Let’s Compare Online (Pvt) Ltd.

Let’s Compare is an online insurance comparison platform where we offer policies from leading insurance companies in Pakistan. We offer the best comparison among the policies for our clients to choose from. We take great pride in excellent customer service and serving our clients with great advice when needed. Visit our website now to find out more about insurance and get car insurance now!