Zong Car and Bike Insurance in Pakistan: Rs 5 a Day Price, Cover Up to Rs 400,000 and How to Claim

That last line is where most claims go wrong. Read the cover, the exclusions and the pro-rata rule below before you rely on it.

Zong bike and car insurance prices and cover

Each product has a Silver and a Gold plan, paid daily or weekly. Bike Silver costs Rs 5 a day or Rs 20 a week for up to Rs 50,000. Car Gold costs Rs 17 a day or Rs 75 a week for up to Rs 400,000. Prices exclude tax.

The weekly plan is cheaper. Bike Silver daily costs Rs 35 over a week, against Rs 20 on the weekly plan. Car Gold daily costs Rs 119 a week, against Rs 75. If you ride or drive every day, pick weekly.

What the policy pays for after an accident

The cover pays reasonable repair costs for accident damage to the insured bike or car, plus hospital costs for the insured rider or driver after a road traffic accident. The car plan adds emergency outpatient treatment on some plans and digital roadside help such as towing.

Bike cover

• Repair or replacement of parts damaged in the accident, body work and labour.
• Hospital room, emergency treatment, doctor and surgeon fees, medicines and tests while admitted.
• Up to 30 days in hospital per policy.
• One motorcycle per active subscription.

Car cover

• Repair of accident damage to the registered car.
• Hospital stay of at least 24 hours for the insured driver.
• Emergency outpatient treatment, on plans that include it.
• Roadside help: tyre change, battery jump-start and towing, subject to availability.

"Road traffic accident" here means a sudden, unplanned collision or road accident involving the insured vehicle while the cover is active. You need reasonable evidence that it happened.

What Zong vehicle insurance does not cover

Theft, snatching, fire and natural disasters are not covered. Neither are passengers, third-party damage, death or disability, wear and tear, mechanical breakdown, pre-existing damage, racing, an unlicensed driver, or accidents in the 7-day waiting period. Car claims also fail if seat belts were not worn.

This is the big gap for bike owners in Pakistan. Snatching is the risk most riders fear, and this policy does not touch it. For theft cover you need a full motor insurance policy from an insurance company.

Who can join and the 7-day wait

For car cover you must be the registered owner, aged 18 to 60, with a valid CNIC, driving licence and the car's registration, engine and chassis details. Bike cover needs proof that the bike is yours. Cover starts after a 7-day waiting period from enrolment.

Declare any existing damage when you sign up. Damage that was there before the cover started is never paid. Only one active subscription per person per product is allowed.

To enrol, ask the Zong helpline on 310 from your Zong number, and keep your CNIC and vehicle papers ready. The service runs Monday to Saturday, 9 am to 9 pm.

How the pro-rata rule cuts your payout

The car policy works out what you can claim from the payments made in the 30 days before the claim. If you skipped days because your balance ran out, your limit shrinks. Payments made after the accident do not raise the limit for that accident.

In plain terms: keep the subscription running every day, or take the weekly plan. A daily plan that fails on low balance looks active in your head but is not fully paying in. The payout is the lowest of your verified loss, the remaining pro-rata limit and the yearly total.

How to claim Zong car or bike insurance

Report a car damage claim within 15 days of the accident, or within 15 days of hospital discharge for a hospital claim. Bike claims should be reported within 10 days. Approved claims are paid within 1 to 3 working days to a verified bank or wallet account.

1. Take clear photos of the damage and the scene.
2. Get a police report (FIR) or accident report, and a medico-legal record if someone was hurt.
3. Report the claim through Zong's claims channel within the deadline.
4. Send copies of your CNIC, driving licence and vehicle registration.
5. For repairs, send the repair invoice and payment proof.
6. For hospital costs, send the admission record, discharge summary, itemised bills and prescriptions.
7. Give a verified bank or wallet account for payment.

Zong's other insurance plans, health, mobile and life, have their own claim line, covered in Zong insurance plans and the 9362 claim number. The broader steps of a car insurance claim in Pakistan also help with FIRs and surveyors.

Common questions

How much is Zong bike insurance?

Rs 5 a day or Rs 20 a week for Silver, up to Rs 50,000, and Rs 10 a day or Rs 35 a week for Gold, up to Rs 100,000. Tax is extra.

How much is Zong car insurance?

Rs 10 a day or Rs 35 a week for Silver, up to Rs 200,000, and Rs 17 a day or Rs 75 a week for Gold, up to Rs 400,000, plus tax.

Does Zong bike insurance cover theft or snatching?

No. Theft, snatching, robbery and burglary are excluded. So is fire.

When does the cover start?

After a 7-day waiting period from enrolment. An accident during those 7 days is not paid.

Are passengers covered?

No. Only the insured rider or driver gets medical cover.

How fast is a claim paid?

Within 1 to 3 working days after approval and receipt of complete, verified payment details.

How we verified this

What we checked and where we read it.

Checked on 15 November 2026. Prices, cover, eligibility, exclusions, claim deadlines and documents are from Zong's Car Insurance and Bike Insurance pages. The car page's split of cover between car damage and hospital costs has a typing error (it prints "PKR 1000,000" and "PKR 2000,000" against totals of Rs 200,000 and Rs 400,000), so we give only the totals for the car plans. The bike page gives a 10-day claim notice and the car page 15 calendar days. Neither page prints a subscription code, so we point readers to the 310 helpline. Service timings are from the car page.