E-Commerce Transit Insurance

Protect Every Shipment You Send

Comprehensive breakage & theft coverage for Pakistan's e-commerce sellers. Ship with confidence knowing your goods are protected from warehouse to doorstep.

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Learn How it Works

Approved Courier Partners
Coverage applies only to shipments via these couriers

How Transit Insurance Works

Protection in 4 Simple Steps

Understanding insurance doesn't have to be complicated. Here's exactly what happens when you sign up.

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01.
Sign Up & Pay

Choose your plan based on monthly shipment volume. Pay premium monthly in advance.

02.
Ship Your Orders

Send your products through any of our 6 approved courier partners as usual.

03.
Report & Document

If something goes wrong, report the issue and provide proof of sale, damage photos, FIR, Roznamcha and tracking info.

04.
Get Paid

Once verified, receive your payout within 15 working days. Simple.

What's Covered

Comprehensive Protection for Your Goods

Coverage for the two biggest risks in e-commerce delivery: physical damage and theft during transit.

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Accidental Physical Breakage

Coverage for goods damaged during normal courier handling from seller to buyer within Pakistan.

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Verified Theft
‍

Protection against theft verified through official documentation (FIR or Roznamcha).

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Fair Indemnity
‍

Receive 80% compensation based on your actual cost — not your sale price. We cover your real loss.

Trusted by Thousands, Proven by Numbers

Rs. 10,000,000 +

Claims in 2025

We Cover Your Actual Cost
Insurance protects you from loss — not missing profit. You receive 80% of your purchase cost or sale price (whichever is lower).
Pricing Table - Mobile Optimized
Scenario Your Cost Sale Price You Receive
Phone Case Damaged PKR 500 PKR 800 PKR 400
Perfume Stolen PKR 2,000 PKR 3,500 PKR 1,600
Electronics Broken PKR 15,000 PKR 22,000 PKR 12,000
Garment Stolen PKR 1,200 PKR 2,400 PKR 960
Example: How Payouts Work
Scenario
Your Cost
Sale Price
You Receive
Phone Case
Damaged
PKR 500
PKR 800
PKR 400
Perfume Stolen
PKR 2,000
PKR 3,500
PKR 1,600
Electronics Broken
PKR 15,000
PKR 22,000
PKR 12,000
Garment Stolen
PKR 1,200
PKR 2,400
PKR 960
Why 80% and not full value?
Full-value insurance creates fraud risks. The 80% model keeps premiums affordable while covering your real costs.
What does "actual cost" mean?
Your purchase cost is what you paid to acquire the item — not what you're selling it for.
Premium Structure
Transparent Pricing Based on Your Volume
Simple, straightforward pricing that scales with your business.
Monthly Premium Plans - Mobile Optimized
Monthly Premium Plans
All product categories covered at the same rate
Monthly Shipment Value (PKR) Premium Plan Effective Rate
Up to 1,000,000 3.5% of monthly shipment value ~3.5%
1,000,001 – 1,600,000 Flat PKR 35,000 per month 2.2% – 3.5%
1,600,001 – 2,500,000 Flat PKR 50,000 per month 2% – 3.1%
Above 2,500,000 2% flat rate 2%
Monthly Premium Plans
All product categories covered at the same rate
Monthly Shipment Value (PKR)
Premium Plan
Effective Rate
Up to 1,000,000
3.5% of monthly shipment value
~3.5%
1,000,001 – 1,600,000
Flat PKR 35,000 per month
2.2% – 3.5%
1,600,001 – 2,500,000
Flat PKR 50,000 per month
2% – 3.1%
Above 2,500,000
2% flat rate
2%
Rates are negotiable and may vary based on your specific needs, but will generally be around these figures.
Coverage Limits by Tier
Know Your Maximum Coverage
Your tier is determined by your monthly shipment volume.
Tier 01
Up to PKR 1.6M monthly
PKR 50,000
Max Cover Per Shipment
Annual: PKR 1,200,000
If limit reached, coverage continues at adjusted rates
Tier 02
PKR 1.6M – 2.5M monthly
PKR 70,000
Max Cover Per Shipment
Annual: PKR 1,500,000
If limit reached, coverage continues at adjusted rates
Tier 03
Above PKR 2.5M monthly
PKR100,000
Max Cover Per Shipment
Annual: PKR 2,000,000
If limit reached, coverage continues at adjusted rates

What's Not Covered

Items affected by packaging issues, wear and tear, post-delivery status, missing documentation, or intentional actions are not covered.

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Mysterious Loss

Unexplained disappearance

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Poor Packaging
Damage from weak packaging
See Packaging Guidelines
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Wear & Tear

Defects or deterioration

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Post-Delivery

After courier status "Delivered"

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Fraud/Negligence

Intentional acts by insured

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Unapproved Courier

Shipments via other couriers

"Choosing Al-Ameen was the best decision for my ecommerce business. The process was simple, and their support was outstanding ."

Claim Procedures
Different Claims, Different Processes
For Breakage Claims
Notify insurer about the damage
Submit photo of damaged item
Provide proof of sale and tracking info
Keep damaged items for inspection if requested
Settlement: 15 working days
For Theft Claims
File FIR or Roznamcha with police
Provide copy of FIR/Roznamcha to insurer
Submit proof of sale and tracking info
Surveyor may verify loss if needed
Payment upon verification & approval

Why Choose Us for Your Insurance Needs

Get comprehensive protection for your shipments with flexible terms, fast claims, and coverage across all major couriers.

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Dual Coverage

Breakage & theft protection

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Fast Claims Process

15 days for breakage claims

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Flexible Terms

Month-to-month renewable

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All Major Couriers

6 approved courier partners

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Scalable Pricing

Rates adjust to your volume

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Peace of Mind

Comprehensive protection

FAQ

Frequently Asked Questions

Empowering you to take charge of your financial future with intuitive tools and personalized insights.

01
Why 80% coverage and not full value?
02
What if courier says "Delivered" but customer didn't get it?
03
What documentation do I need for a claim?
04
Can I use any courier I want?
05
How soon should I report a claim?
06
Is this Shariah-compliant?
Get a Quote
Fill out the form and our team will get back to you within 24 hours with a customized quote.
Shafi Courts, Karachi, PakistanVisit us in person: Get Directions
Lahore, PakistanVisit us in person: Get Directions
info@alameen.pk
We respond within 24 hours
0335-2647453
Mon-Sat, 9am-6pm
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Protect Your
Business Today

Comprehensive breakage & theft coverage. Start shipping with confidence.

Premium payable monthly in advance
No upfront paperwork required
Policy is confidential

Get a Quote

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Comprehensive e-commerce transit insurance for Pakistan's growing online sellers. Powered by PGI Takaful.

Contact Info

Email:

info@alameen.pk

Phone:

0335-2647453

Locations:

- Shafi Courts, Karachi, Pakistan
- Lahore, Pakistan

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