Private Motor Car

Comprehensive Insurance

• NCD Protector

  You can maintain your existing No Claims Discount (NCD) at renewal even if you make a claim within a year provided that:

  •  after the application of excess, the claim amount does not exceed HK$60,000 or 15% of the sum insured (whichever is the less); and
  •  no third party bodily injury is involved in the claim.
     
• Windscreen Damage – Excess Waiver

  No excess will apply if your claim does not exceed HK$5,000. You can keep your No Claims Discount as well.

• 'New for Old' Replacement Vehicle

  If your car is less than 1 year old (from the date of its first registration) and sustains a total loss, we will pay in cash or give you a new one of the same model and make without deducting any depreciation*.

  *The first registration of the car must be made within 12 months from the date of its manufacture.

• Medical Expenses Cover: A maximum of HK$5,000 will be provided to cover the medical expenses from bodily injuries sustained in an accident to your car.
• Motor Personal Accident: HK$100,000 compensation will be provided to cover death, loss of limbs or sight for you or any named driver in the event of an accident while driving your car.
• Vehicle Assistance Services:

  a. 24-Hour Emergency Roadside Assistance
  b. 24-Hour Free Towing Service
  c. Alternate car when your car is stolen or immobilised due to an accident
  d. 24-Hour Claims Advisory Service
  e. 24-Hour General Advisory Service

Third Party Insurance

This policy pays the amount which you or your authorized driver is legally liable for:

• Death or bodily injury to third party
• Damage to third party property as a result of an accident arising out of the use of your car up to HK$2,000,000

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.