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Private Car Insurance
Private Car Insurance
Comprehensive Insurance · Third-Party Liability · 24-Hour Roadside Assistance
Private car insurance offers comprehensive protection for your vehicle and coverage against liability risks on the road. Comprehensive coverage includes protection against losses such as collisions, natural disasters, flood damage, theft, and vandalism while parked, as well as legal liability for third-party bodily injury and property damage; alternatively, you may opt for third-party liability insurance that meets statutory minimum requirements.
Coverage Scope
Scope of Coverage
Combines comprehensive coverage (full coverage) with third-party liability protection, covering both damage to your vehicle and legal liabilities arising from road use.
Comprehensive (Full) Coverage
For damage to or loss of the insured vehicle resulting from an accident—including collision, natural disasters, flooding, vandalism while parked, and theft—the maximum compensation shall be the reasonable market value at the time of the incident or the insured amount, whichever is lower.
Towing and return fees
If the insured vehicle is damaged and rendered inoperable, coverage extends to the reasonable costs of protection and transport to the nearest repair facility, as well as delivery back to an address within the local area following repairs (not to exceed 20% of the agreed repair cost).
Third-party personal injury or death
Legal liability for third-party bodily injury or death arising from the use of the insured vehicle: maximum indemnity of HK$100,000,000 per accident.
Third-party property damage
Legal liability for direct damage to third-party property, with a maximum indemnity of HK$2,000,000 per incident.
Third-party liability insurance
A basic option that meets Transport Department statutory requirements, covering legal liability for third-party bodily injury or death and direct property damage caused by negligence.
Hospital Cash Allowance
During a hospital stay for treatment following an accident, a cash allowance is provided based on the insured coverage amount; compensation is typically calculated on a daily basis.
Extra Benefits
Additional Coverage (Comprehensive Insurance)
In addition to standard coverage, comprehensive private car insurance plans on the market generally offer all or most of the following additional protections.
1
Replacement of windshield and/or windows
2
Compensation for the same car model (replacing the old with the new)
3
Does not affect the "No Claim Discount" protection.
4
24-Hour Consultation Hotline (Emergency Roadside Repair & Towing Services)
5
Temporary replacement vehicle
6
Personal Accident Coverage
7
"Cross-border (Guangdong-Hong Kong) coverage available as an add-on"
8
Compensation for repairs based on a "zero" depreciation rate
Note: Please refer to the policy terms and conditions for details.
Partner Insurers
Partner Insurance Companies
We partner with numerous renowned insurance companies to compare the most suitable private car insurance plans and premiums for you.
Product Features
Features
- Comprehensive (full coverage) / Third-party liability optional
- Protection against malicious damage while docked
- Maximum coverage of HK$2 million for third-party property damage.
- Medical expenses for the driver and the insured
- Designated Driver / Any Driver Plan
- Special Windshield Claim
- Coverage for collisions, natural disasters, water damage, and theft.
- Maximum coverage for third-party personal injury or death: HK$100 million.
- Towing and return transport costs
- No-Claims Discount (NCD) Offer
- 24-Hour Emergency Roadside Assistance
- Cross-border (Guangdong-Hong Kong) coverage available as an add-on.
Main Exclusions
Key Exclusions
Part I: Damage to or loss of the insured vehicle
- Any accident resulting from driving under the influence of alcohol or drugs.
- Depreciation, mechanical or electrical failure
- Applicable Excess
- Any financial loss
Part II: Legal Liability to Third Parties
- Any accident resulting from driving under the influence of alcohol or drugs.
- Applicable Excess
- Employee of the insured
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
Main Exclusions
Key Exclusions
Part I: Damage to or loss of the insured vehicle
- Any accident resulting from driving under the influence of alcohol or drugs.
- Depreciation, mechanical or electrical failure
- Applicable Excess
- Any financial loss
Part II: Legal Liability to Third Parties
- Any accident resulting from driving under the influence of alcohol or drugs.
- Applicable Excess
- Employee of the insured
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
Important Information Regarding Insurance Coverage
Before purchasing private car insurance, please note the following to ensure the policy takes effect smoothly and claims can be processed:
1
The insured vehicle must hold a valid Hong Kong vehicle registration document and vehicle licence.
2
The driver must hold a valid Hong Kong driving licence.
3
When taking out the insurance, you must declare the age, driving experience, and past claims history of all drivers.
4
For the No Claim Discount (NCD), proof of renewal or discount from the previous policy must be provided.
5
Private cars must not be used for taxi services, carrying passengers for hire or reward, or commercial purposes.
6
You must notify the insurance company immediately if there is a change in the vehicle's use, the installation of modifications, or a change of driver.
Claims Guide
Claims Guide
Should any incident occur that could give rise to a claim, please notify our Claims Department immediately; we will assist you throughout the entire claims process.
Instant Notifications
Immediately contact the company's Claims Department after the accident and provide the policy number, policyholder's name, and contact telephone number. Remember not to admit liability, enter into agreements, or make promises to anyone without the insurance company's written consent.
Prepare documents
Submit the vehicle registration document, copies of the driver's ID card and driving licence, the car accident report, photographs of the damage, and the repair quotation issued by the garage.
Submit a claim
Please forward any letters from the police, court summonses, or correspondence from third-party lawyers to our company immediately. Once liability has been established, repair items and reasonable costs will be agreed upon with the repair shop; the insurance company will make direct payment to the shop after the client signs the satisfaction note.
The Claims Department will contact you immediately.
Please note that a delay in notification may result in the insurance company refusing to process your claim in accordance with the terms of the policy.