Car and cargo claims

I’m claiming for

The things you need to know before you make a claim
If you have a personal insurance plan with us, please head to our dedicated personal insurance claims page.

Check your claim is eligible
It’s always a good idea to first check that your policy covers your claim. You can check this on your policy contract. Or feel free to give us a call on 3123 3123.

Send us your claim within 30 days
Please submit your claim within 30 days of the event you’re claiming for.

Points to note

  • Please do not dispose of any damaged item(s) before we’ve had a chance to look at your claim and advise you what to do. We may need it as part of the claims process.
  • It’s important that you do not enter into any third-party correspondence or admit any third-party liability without first discussing with us.
  • Try to record the particulars of any injured party and the nature of any loss or injury. If you have suffered injury or loss, please report the case to the police immediately, and obtain a reference number.


  • Your up-to-date Hong Kong Vehicle Registration Document (both sides)
  • Your driver's HK Identity Card and license
  • A breath test report from the police
  • Your driver's statement to the police / police report number
  • Colour photos showing the scene of the accident
  • Any unedited dashcam video footage stored on CD or USB
  • This allows us to collect any third party information related to your claim, in accordance with your consumer rights and our contractual agreement.

Please include any legal letters, legal claims, writs of summons or letters from any third parties or Government Officials. Please do this as soon as possible so that we can help you follow the correct procedure.

By mail
By mail
By email
By email

Thanks for completing the claims process.

As soon as we receive your claim, we'll let you know. We'll do this within five working days of receiving your claim either via by post, SMS, or email (please allow for any postal delays via the mail service).

If you’ve bought your plan via an agent, you’ll receive this notification from your agent, according to how they normally communicate with you.

If we need additional information from you, we will let you know – either by post or via your agent, if applicable.

Your questions answered


When will you pay me?


How will you pay me?


After I've made a claim, how long should I keep my original documents?

Looking to make a different claim?

We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.

Need help with your claim?