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Tax Relief to Encourage Compliance

To make third-party motor insurance more affordable, the provincial government approved major tax reductions. Stamp duty on insurance policies has been cut from Rs. 500 to just Rs. 50. Sales tax on third-party motor insurance has also been reduced sharply, from 15% to 5%.

These reductions are designed to lower the cost burden on vehicle owners and encourage wider compliance once the policy becomes mandatory.

Key Highlights at a Glance

Measure	Previous	Revised
Stamp Duty on Insurance	Rs. 500	Rs. 50
Sales Tax on Third Party Insurance	15%	5%
Motorcycles	Not exempt	Fully exempt
Helpline	Not available	24 hour service
Claims Support	Limited	Insurance surveyors and facilitation desks

When Will It Be Implemented

Once the Sindh Assembly approves the proposed legal amendments, mandatory motor third-party insurance will be enforced from the next financial year. Vehicle owners are advised to stay updated and prepare in advance to avoid penalties and registration issues.

FAQs

Is motor third-party insurance now mandatory in Sindh?
It will become mandatory from the next financial year after approval by the Sindh Assembly.

Are motorcycles included in this policy?
No, motorcycles are exempt from mandatory third-party insurance under the approved amendments.

What does third-party motor insurance cover?
It covers compensation for injury, death, or property damage caused to a third party in a road accident.

Will insurance premiums be the same for everyone?
Uniform premium rates will be introduced through insurance facilitation desks to ensure fairness.

How will accident victims get help?
A 24-hour helpline and insurance surveyors will assist victims and their legal heirs with claims and guidance.

Final Thoughts

Mandatory motor third-party insurance is a long-overdue step for Sindh’s rapidly growing vehicle population. With reduced taxes, simplified claims, and dedicated support systems, the policy has the potential to improve road safety, protect innocent road users, and bring Pakistan closer to international insurance standards. The real test, however, will lie in effective enforcement and consistent implementation once the law comes into force.

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