FWD MotorSmart Insurance provides you with comprehensive protection to keep up with your needs. Comprehensive (Gold) plan offers third party property damage up to HK$3 million, theft of mobile phone coverage and emergency roadside and emergency towing assistance. You can also get an instant preliminary quote online and choose from three flexible covers.



Tell me more

MotorSmart’s Comprehensive Plans, including Gold and Silver, offer an array of coverage to protect you against loss of or damage to your car, medical expenses, your liability to third parties and property damage.


So…what does it do?

  • 3rd Party Property Damage Up to HK$3 Million1 - Offers one of the highest sum insured in town by protecting you against legal liability for damages consequent upon accidental loss of or damage to the property of third parties arising out of the use of your vehicle - up to HK$3,000,000.

  • Instant online quote - You can get an instant preliminary quote by inputting basic information. It is fast and convenient.

  • Mobile phone theft protection1 - If your mobile phone was stolen from your car, we will pay up to 70% of the cost of replacing your mobile with a new mobile of the same model and specifications. Coverage of each incident is up to HK$3,000.

  • Emergency Roadside & Emergency Towing Assistance1 - If your vehicle suffers incidents such as a mechanical breakdown or a traffic accident, an emergency assistance team is on stand-by 24/7 to help you and your vehicle to get safely back on the road. Besides, if your vehicle is beyond repair on the spot, a towing service will be dispatched to get your vehicle to a designated garage. Coverage of each incident is up to HK$2,000.

  • No Claim Discount Protection1 - No matter how many claims you make, if the total amount of claims within one year does not exceed HK$60,000 or 15% of the estimated car value (whichever is lower), your original No Claim Discount (NCD) entitlement will not be discounted.

The product features above are indicative only. Please refer to the product brochure and policy provisions for the product details and applicable terms and conditions.

Let us learn about your needs

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  1. Applicable for Comprehensive Gold Cover only

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