EFU House at sunset, reflected in the harbour

94EFU House, Karachi — protecting Pakistan since 1932

Insurance built to outlast the risk.

From a single motor policy to the largest industrial risks in the country, EFU General underwrites with the balance sheet, the network and the digital tools to settle when it matters.

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1932Founded

AA++Financial strength

ISO9001 certified

60+Cities served

LiveDigital claims

Your Partner in Every Claim

✓Nationwide Branch Network

✓24/7 Claims Support

✓94 Years of Trust

About EFU

Ninety-four years of standing behind our promises.

EFU General Insurance has underwritten risk in Pakistan since 1932, growing from a single office into one of the country’s largest general insurers. Our balance sheet carries an AA++ financial strength rating, and our operations are ISO 9001 certified.

By the numbers

Scale that turns a promise into a payment.

Capacity, reserves and reach are what separate a policy document from actual protection. Here is where EFU General stands today.

Years of excellence0+Continuous operation since 1932

Financial strengthAA++Insurer financial strength rating

Gross written premiumPKR 0BFull-year written premium

Branch network0+Branches and service points nationwide

Digital users0KActive portal and app accounts

Claims processed0KClaims settled in the last five years

Our story

Nine decades, one commitment.

EFU has underwritten Pakistan through partition, industrialisation, catastrophe and the shift to digital. The through-line has not changed.

1932

Founded in Calcutta

Established as the first Muslim-owned general insurance company in the subcontinent.

1947

Head office to Pakistan

Operations move to Karachi and begin insuring a new national economy.

1980s

Industrial capacity

Engineering, marine and energy lines built out for large corporate risks.

2010s

Nationwide network

Branch and survey coverage extended across every major commercial centre.

Today

Digital by default

Quotes, payment, policy management and claims run end to end online.

Products

Cover for what you drive, own, build and ship.

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MTR

Motor Insurance

Comprehensive and third-party cover with workshop networks in every major city.

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TRV

Travel Insurance

Schengen-compliant medical and trip cover, issued instantly online.

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Suitcase, passport and globe with insurance shield

HME

Home Insurance

Structure, contents and allied perils cover for owners and tenants.

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MAR

Marine Insurance

Cargo, hull and inland transit cover for importers and exporters.

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PRP

Property Insurance

Fire, allied perils and business interruption for commercial sites.

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Personal Accident

Individual, family and group schemes covering injury, disability and death.

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Why EFU General

The country’s largest risks sit with us.

Nine decades of underwriting judgement sit behind every policy we issue, backed by an AA++ financial strength rating and reinsurance treaties sized for catastrophe-level exposure. In-house surveyors and a documented turnaround target keep claims moving on every line.

Branches, service centres and panel workshops run from Karachi to Gilgit, with dedicated corporate teams for energy, engineering, marine and financial institutions. Buying, renewing, paying and claiming all happen online, without paper or a branch visit.