Rehan Shahid 
Jan 25, 2026
In 2026, if you're driving a car without insurance or your insurance is expired and you are seeking ways to obtain insurance, then don't worry — Gadinsider has eased your tension.
With car prices fluctuating, having an active insurance policy is the only way to protect your investment. If you want to save money, renew at least 14 days early to lock in your No Claim Bonus (NCB). Use mobile apps for instant E-Policies and always re-verify your car’s market value to avoid being under-insured.
Here's how you can renew car insurance
Before applying for renewal of car insurance, remember these points in your mind:
- No Claim Bonus (NCB): If you haven’t filed a claim, you are eligible for a 15% to 35% discount. If your policy lapses, you lose this credit.
- Avoid Re-Inspections: Most companies (TPL, Adamjee, EFU) require a fresh physical survey if the policy expires for even 24 hours.
- Instant Legal Cover: An active E-Policy is now mandatory for digital excise verification in most provinces.
Before you decide tio hit the 'Renew' button on your app, you need to have these details ready:
- Current market value: Don’t just use last year’s value. Check the PakWheels Price Calculator to ensure your sum insured matches the 2026 market rate.
- Updated odometer reading: Essential if you are using “Pay-as-you-drive” insurance models.
- Digital wallet access: Ensure your 1Link, EasyPaisa, or Raast is ready for instant payment.
