Our Motor Insurance offers third party liability and comprehensive protection for won vehicle damage, including no-claims discount, new for old and windscreen cover.

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You can get from A to B with confidence thanks to Motor Insurance coverage. In case of injuries or accidents, this insurance covers both your legal liability and the injured. Meanwhile, your car is protected against theft, loss or damage. We also throw in a host of other benefits, including 24-hour emergency roadside assistance and 24-hour towing service – so you can get back on the road in no time if you run into any trouble.

So…what does it do?

  • Flexible cover - You can choose Third Party Cover to protect you against motor driving legal liability or choose Comprehensive Cover to give your vehicle extra protection.

  • No-claim discount protection - Keep your total claims below HK$60,000, or 15% of the estimated value of your car, in one year regardless of the number of claims you may have made and we’ll reward you by not changing your No Claim Discount. (For Comprehensive Cover of private cars only.)

  • New for old - If your car is less than one year old and is stolen or written off in an accident, we will replace it with a new car of the same make and model. (For Comprehensive Cover of private cars only.)

  • Windscreen cover - A shattered windscreen need not shatter your wallet. We’ll replace it, with no excess for the first HK$5,000 and no impact on your No Claim Discount. (For Comprehensive Cover of private cars only.)

  • Alternative wheels - Having your car in the repair shop or, even worse, stolen, causes huge mobility hassles. That’s why we bear the cost of car rental up to HK$ 1,000 a day and HK$ 5,000 in total while your car is being repaired or replaced. (For Comprehensive Cover of private cars only.)

But wait, there's more

Don’t miss out the free benefits especially for Comprehensive private car policyholders!

  • Claims recovery – We will pull out all stops to recover your excess claims if someone else causes the accident.

  • Free 24-hour emergency roadside assistance - If you suffer an accident or breakdown, our on-call emergency assistance team springs into action, making sure you are back on the road as soon as possible.

  • Free 24-hour towing service - If your vehicle cannot be repaired on the spot, we'll arrange to tow it to a designated garage.

The features above are indicative only. Please refer to the Product Brochure for details.
For a complete explanation of the terms and conditions, please call our Service Hotline at +852 3123 3123.

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