{"id":3133,"date":"2026-07-21T11:18:52","date_gmt":"2026-07-21T11:18:52","guid":{"rendered":"https:\/\/wisewheels.com.pk\/blogs\/?p=3133"},"modified":"2026-07-21T11:18:52","modified_gmt":"2026-07-21T11:18:52","slug":"understanding-car-insurance-in-pakistan","status":"publish","type":"post","link":"https:\/\/wisewheels.com.pk\/blogs\/understanding-car-insurance-in-pakistan\/","title":{"rendered":"Understanding Car Insurance in Pakistan: What&#8217;s Covered and What&#8217;s Not"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you&#8217;ve ever wondered whether your car insurance will actually pay when your car is stolen, flooded, vandalized, or involved in an accident, you&#8217;re asking the right question. The answer depends entirely on the type of policy you have\u2014and many Pakistani car owners only discover the limitations after filing a claim.<\/span><\/p>\n<h2><b>TL;DR<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Third-party insurance only covers damage you cause to others.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive insurance covers your own vehicle against many risks\u2014but not every situation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mechanical failures, wear and tear, and negligent driving are usually excluded.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Imported and <span style=\"color: #0078ff;\"><a style=\"color: #0078ff;\" href=\"https:\/\/wisewheels.com.pk\/used-cars\"><strong>used cars<\/strong><\/a><\/span> should be inspected before insurance to avoid claim disputes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Always read policy exclusions\u2014not just the premium.<\/span><\/li>\n<\/ul>\n<h2><b>What Does Car Insurance Cover in Pakistan?<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Car insurance in Pakistan protects you from financial loss caused by accidents, theft, fire, natural disasters, and third-party liabilities\u2014but only if those risks are included in your policy. <\/span><span style=\"font-weight: 400;\">Many buyers focus only on the annual premium. In reality, the policy wording matters much more than the price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Generally, insurers offer two main categories:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Policy Type<\/b><\/td>\n<td><b>Covers Your Car<\/b><\/td>\n<td><b>Covers Third Party<\/b><\/td>\n<td><b>Recommended For<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Third-Party Insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Budget-conscious owners where legally required<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Comprehensive Insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Most private vehicle owners<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For newer vehicles, financed cars, imported models, and expensive SUVs, comprehensive insurance is usually the more practical choice because repair costs can be substantial.<\/span><\/p>\n<h2><b>What Is Usually Covered Under Comprehensive Insurance?<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> A comprehensive policy generally covers accidental damage, theft, fire, vandalism, certain natural disasters, and third-party liability, subject to the policy&#8217;s terms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Coverage commonly includes:<\/span><\/p>\n<h3><b>Accidental Damage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Whether it&#8217;s a collision with another vehicle, a wall, or roadside infrastructure, repair costs are typically covered after applying the deductible.<\/span><\/p>\n<h3><b>Vehicle Theft<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your insured vehicle is stolen and cannot be recovered, insurers generally compensate based on the agreed or market value, depending on the policy.<\/span><\/p>\n<h3><b>Fire Damage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Damage caused by accidental fire, electrical short circuits, or explosions is commonly included.<\/span><\/p>\n<h3><b>Natural Disasters<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Depending on the insurer and policy, protection may include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flooding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Heavy rain<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hailstorms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Storm damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Falling trees<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This has become increasingly important in Pakistan, where urban flooding has affected vehicles in cities such as Karachi, Lahore, and Islamabad during monsoon seasons.<\/span><\/p>\n<h3><b>Third-Party Liability<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your vehicle damages another person&#8217;s property or causes bodily injury, your insurer generally handles eligible compensation according to policy limits.<\/span><\/p>\n<h2><b>What Isn&#8217;t Covered by Car Insurance?<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Insurance does not cover every loss. Mechanical failures, routine maintenance, illegal activities, and negligence are among the most common exclusions. <\/span><span style=\"font-weight: 400;\">This is where many claims are rejected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Typical exclusions include:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Usually Not Covered<\/b><\/td>\n<td><b>Why<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Engine wear and tear<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maintenance issue<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Oil leakage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mechanical deterioration<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Brake pad replacement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Consumable item<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tyre wear<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Normal usage<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Battery ageing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Regular maintenance<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Driving under the influence<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Policy violation<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Driving without a valid licence<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Claim may be rejected<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Racing or illegal activities<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Excluded risk<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Intentional damage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fraud prevention<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>A Common Mistake Buyers Make<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many owners assume an engine damaged after driving through deep floodwater will automatically be covered. <\/span><span style=\"font-weight: 400;\">In reality, if the insurer determines the driver knowingly continued driving into floodwater and caused hydro-lock, the claim may be disputed depending on policy conditions. <\/span><span style=\"font-weight: 400;\">Reading the exclusions is just as important as reading the benefits.<\/span><\/p>\n<h2><b>Why Used Car Buyers Should Care About Insurance Before Purchase<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Insurance companies assess a vehicle&#8217;s condition before issuing or renewing comprehensive coverage. Hidden accident repairs or structural damage can affect approval, valuation, or future claims. <\/span><span style=\"font-weight: 400;\">One issue inspectors commonly notice is previously repaired accident damage that isn&#8217;t disclosed by the seller.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vehicles with repaired chassis sections, poorly aligned panels, or extensive repaint work may:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive lower insured values<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Face additional inspections<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create complications during future claims<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is why a professional pre-purchase <span style=\"color: #0078ff;\"><a style=\"color: #0078ff;\" href=\"https:\/\/wisewheels.com.pk\/car-inspection\"><b>Car Inspection Service<\/b><\/a><\/span> is valuable\u2014not only for buying confidently but also for avoiding insurance-related surprises later.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re purchasing a used vehicle, a <\/span>200+ point inspection starting from Rs. 3,500<span style=\"font-weight: 400;\"> through <span style=\"color: #0078ff;\"><a style=\"color: #0078ff;\" href=\"https:\/\/wisewheels.com.pk\/\"><strong>Wise Wheels<\/strong><\/a><\/span> can help identify accident repairs, body condition, suspension issues, and other concerns before you insure the vehicle. Likewise, if you&#8217;re considering an imported Japanese car, <span style=\"color: #0078ff;\"><a style=\"color: #0078ff;\" href=\"https:\/\/wisewheels.com.pk\/auction-sheets\"><strong>Auction Sheet Verification<\/strong><\/a><\/span><\/span><span style=\"font-weight: 400;\">\u00a0can help confirm the original auction grade and reported condition before purchase.<\/span><\/p>\n<h2><b>How Insurance Companies Decide Your Premium<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Premiums depend on the vehicle&#8217;s value, model, age, location, usage, security features, and claims history.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Factors that commonly affect premiums include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle market value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make and model<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Engine capacity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Year of manufacture<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">City of registration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Previous claims<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Imported vs locally assembled vehicle<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Luxury SUVs, hybrids, and imported vehicles often cost more to insure because replacement parts and repairs are generally more expensive.<\/span><\/p>\n<h2><b>Should You Choose Third-Party or Comprehensive Insurance?<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> The right policy depends on your vehicle&#8217;s value and your financial risk tolerance.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>If You Own&#8230;<\/b><\/td>\n<td><b>Better Choice<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Older low-value car<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Third-party may be sufficient<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Brand-new car<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Comprehensive<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank-financed vehicle<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Usually comprehensive (often required)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Imported Japanese vehicle<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Comprehensive<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Family SUV<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Comprehensive<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Daily city commuter<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Comprehensive if repair costs would be difficult to absorb<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">A useful way to think about it:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If replacing or repairing your car would significantly impact your finances, comprehensive insurance is usually worth considering.<\/span><\/p>\n<h2><b>Common Claim Mistakes That Delay Approval<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Delayed reporting, missing documents, and incomplete information are among the biggest reasons claims take longer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Avoid these mistakes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Waiting several days to report an accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repairing the vehicle before insurer approval<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Losing photographs from the accident scene<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not obtaining a police report when required<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing incorrect information during the claim<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Keeping your <\/span><b>Registration Book or Smart Card<\/b><span style=\"font-weight: 400;\">, CNIC, driving licence, and policy documents readily available can make the process smoother.<\/span><\/p>\n<h2><b>Before Buying Insurance, Use This Checklist<\/b><\/h2>\n<p><b>Quick Answer:<\/b><span style=\"font-weight: 400;\"> Compare coverage\u2014not just premiums.<\/span><\/p>\n<h3><b>Buyer Checklist<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand whether the policy is third-party or comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm the insured declared value (IDV)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Read all exclusions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check deductible amounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify flood and theft coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask about genuine vs aftermarket parts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the claim process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review cashless workshop options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inspect a used vehicle before purchasing<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you&#8217;re unsure whether the asking price of a used car reflects its actual condition, a <\/span>Wise Wheels Car Valuation<span style=\"font-weight: 400;\"> can help you estimate a fair market value before you commit to insurance and ownership costs.<\/span><\/p>\n<h2><b>FAQs<\/b><\/h2>\n<h3><b>Is third-party insurance mandatory in Pakistan?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Requirements can vary depending on the vehicle type, province, and financing arrangements. Many financed vehicles require comprehensive insurance under the loan agreement.<\/span><\/p>\n<h3><b>Does comprehensive insurance cover engine failure?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Not usually. Normal mechanical failure, wear and tear, and maintenance-related issues are typically excluded unless the damage results from a covered event and the policy specifically provides coverage.<\/span><\/p>\n<h3><b>Will insurance cover flood damage?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many comprehensive policies include flood damage, but coverage varies by insurer and policy wording. Always confirm this before purchasing.<\/span><\/p>\n<h3><b>Can I insure a used imported Japanese car?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. However, insurers may inspect the vehicle first. Verifying the auction sheet and inspecting the vehicle beforehand can help avoid future disputes.<\/span><\/p>\n<h3><b>Does modifying my car affect insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Performance modifications, suspension changes, aftermarket body kits, or other major alterations should be disclosed. Undeclared modifications may affect claim approval.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Car insurance isn&#8217;t just another annual expense\u2014it&#8217;s financial protection against risks that can cost far more than the premium itself. The key is understanding <\/span>what your policy covers before you need to make a claim.<\/p>\n<p><span style=\"font-weight: 400;\">For used car buyers in Pakistan, insurance decisions begin even before the policy is issued. Knowing the vehicle&#8217;s real condition, accident history, and market value helps you avoid unpleasant surprises during ownership.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re buying your first hatchback or upgrading to an imported hybrid, choosing the right insurance starts with knowing exactly what you&#8217;re protecting.<\/span><\/p>\n<p><b>Keep reading the <span style=\"color: #0078ff;\"><a style=\"color: #0078ff;\" href=\"https:\/\/wisewheels.com.pk\/blogs\/\">Wise Wheels blog<\/a><\/span> for practical, Pakistan-focused automotive guides that help you buy smarter, maintain better, and own your car with confidence.<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve ever wondered whether your car insurance will actually pay when your car is stolen, flooded, vandalized, or involved in an accident, you&#8217;re asking the right question. The answer depends entirely on the type of policy you have\u2014and many Pakistani car owners only discover the limitations after filing a claim. TL;DR Third-party insurance only &#8230; <a title=\"Understanding Car Insurance in Pakistan: What&#8217;s Covered and What&#8217;s Not\" class=\"read-more\" href=\"https:\/\/wisewheels.com.pk\/blogs\/understanding-car-insurance-in-pakistan\/\" aria-label=\"Read more about Understanding Car Insurance in Pakistan: What&#8217;s Covered and What&#8217;s Not\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":3140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32,33],"tags":[899,897,898,76],"class_list":["post-3133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","category-tips-and-advices","tag-car-insurance","tag-car-insurance-in-pakistan","tag-understanding-car-insurance","tag-wise-wheels"],"_links":{"self":[{"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/posts\/3133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/comments?post=3133"}],"version-history":[{"count":1,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/posts\/3133\/revisions"}],"predecessor-version":[{"id":3141,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/posts\/3133\/revisions\/3141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/media\/3140"}],"wp:attachment":[{"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/media?parent=3133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/categories?post=3133"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wisewheels.com.pk\/blogs\/wp-json\/wp\/v2\/tags?post=3133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}