Private Motor

Car Insurance

Our private motor car plan protects you and your beloved ones with all-around coverage to drive with peace of mind on the road.

It covers unforeseeable incidents such as car accidents, third party property damage, bodily injuries etc.
Just Fits Your Needs
This insurance provides 2 alternatives of cover, third party legal liability cover and comprehensive cover.
Additional Benefits
For comprehensive cover, the plan offers “No Claim Discount (NCD)Protector” , “Windscreen Damage Protector”, and “Free Claim Recovery Services” and more.
Care About You & Others
In this plan, you can get third party bodily injury maximum compensation forHKD100,000,000 and third party property damage HKD2,000,000.

This plan provides 2 alternatives of cover:

A) Third Party Legal Liability Cover
A) Third Party Legal Liability Cover
Indemnifies the Insured against liability for:
Max. Compensation (HK$)
1. third party bodily injury
2. third party property damage
B) Comprehensive Cover
B) Comprehensive Cover
Provides on top of the "Third Party Legal Liability", coverage includes for:
Max. Compensation (HK$)
1. the loss of or damage to the insured motor car
Estimated Value*
2. the medical expenses for injuries suffered by the car owner, driver or passengers

Additional Benefits for Comprehensive Cover

No Claim Discount (NCD) Protector
No Claim Discount (NCD) Protector

You can enjoy your No Claim Discount (NCD) continuously even if you make a claim, as long as the claim settlement in a policy year is below HK$60,000 or 15% on the estimated value of the motor car, whichever is lesser.

Windscreen Damage Protector
Windscreen Damage Protector

In the event of accidental damage to only the windscreen, no excess will be applied and your No Claim Discount will not be affected, subject to an annual aggregate claim limit of HK$4,000.

New for Old Replacement Vehicle
New for Old Replacement Vehicle

We will replace a new motor car of the same make and model without deduction of depreciation if the insured motor car is sustained from theft or total loss, provided that your motor car is less than one year old from its date of manufacturing, and you are the first hand owner.

Free Claim Recovery Services
Free Claim Recovery Services

If the accident is caused by a third party, we will provide you with free recovery services against the third party for all loses including your uninsured loss such as policy excesses. If the recovery of full amount is successful, we will pay back your share on the recovered amount (after expenses, if any) and your No Claim Discount will be reinstated.

For insurance application, please provide the following information/ documents:
  • Complete and sign the Proposal Form including:

    • Particulars of the owner and drivers (age, years of driving experience and occupation);

    • The name of the previous Insurer, Policy Number, Vehicle Registration Mark and No Claim Discount entitled (if any).

  • Copies of the Identity Card and Driving Licence of the owner and driver(s);

  • Copy of the Vehicle Registration Document;


* The "Estimated Value" is used to calculate the premium for the Comprehensive Cover. In any event giving rise to a claim, the maximum amount of settlement, subject to the terms, conditions and any applicable excesses of the policy, is limited to the lesser of:

  • the reasonable market value of the insured motor car at the time of loss or damage or

  • the Estimated Value of the insured motor car that you specified.

* The coverage features above are indicative only. Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now.