PRIVATE MOTOR CAR

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

It covers unforeseeable accidents, third party liability and damage to your own car.

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 for HKD100,000,000 and third party property damage HKD2,000,000.

COVERAGE
COVERAGE
Coverage
Maximum Limit HKD
Coverage 1 ( Applicable to Third Party Legal Liability Cover & Comprehensive Cover)
Indemnifies the Insured against liability for:
a) Third party bodily injury
$100,000,000 per year
b) Third party property damage
$2,000,000 per year
Coverage 2 ( Applicable to Comprehensive Cover only)
a) The loss of or damage to the insured motor car
Estimated Value#
b) The medical expenses for injuries suffered by the car owner, driver or passengers
$2,000 per year
Additional Benefit
1) No Claim Discount (NCD) Protector
$60,000 per year or 15% estimated value whichever is lesser
2) Windscreen Damage Protector
$4,000 per year
3) New for Old Replacement Vehicle (For First hand owner only)
Covered
4) Free Claim Recovery Services
Covered
Important Notes
Important Notes

For insurance application, please provide the following information / documents:

  1. Complete and sign the Proposal Form.
  2. Particulars of the owner and drivers (age, years of driving experience and occupation).
  3. The name of the previous Insurer, Policy Number, Vehicle Registration Mark and No Claim Discount entitled (if any).
  4.  Copies of the Identity Card and Driving License of the owner and driver(s).
  5.  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:

  1. The reasonable market value of the insured motor car at the time of loss or damage or
  2. 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.

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