Private Motor

Private Motor Vehicle Insurance includes the two main parts of ‘Third Party Liability cover’ and ‘Comprehensive Cover’:

Third Party Liability Cover

During the insurance period, in connection with the use of the vehicle, it provides protection to the driver against:

    • Legal liability for causing death or bodily injury of third parties, including the liability to passengers in the vehicle, up to HK$100 Million
    • Legal liability for causing property damage of third parties, including third-party vehicles and other property, up to HK$2 Million.

Comprehensive Cover

    • During the insurance period, in addition to the cover under ‘Third Party Liability Cover’, it provides indemnity to the Insured against damage &/or loss of the vehicle &/or its spare parts, due to accidents

Free extension

  • Free Windscreen Cover
  • NCB protector
  • Driver’s Life Protection
  • 24-Hour Emergency Roadside Services
  • 24-Hour Emergency Towing Services
  • Temporary Substitute Vehicle Benefit
  • New for Old Replacement (for the vehicle in the first year)

Geographical Limit

The geographical limit is generally within the territory of the HKSAR. However, on request, and with the payment of additional premium, the vehicle damage cover could be extended to include Guangdong Province, PRC.

No Claim Discount / Bonus (NCD/NCB)

During the insurance period, if there are no claims submitted, there will be the following discounts allowed upon renewal:

Period of Insurance No Claim Bonus
1 20%
2 30%
3 40%
4 50%
5 60%