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Hang Seng Private Car Insurance

Plan Coverage

24-hour repair approval allows you to enjoy your ride worry-free
	24-hour Repair Approval Service
	Unlimited windscreen and car window damage coverage
	New for old vehicle replacement coverage
	Free personal accident insurance coverage of up to HKD150,000 for one year
	24-hour towing and assistance hotline

Insured Items and Coverage	Maximum Claim
	Third Party Legal Liabilities Insurance (HKD)	Comprehensive Insurance (HKD)

Basic Protection

Legal liability for causing

(a)	Third part's death or bodily injury
(b)	Third part's property damage while using the insured car

100,000,000

2,000,000

100,000,000

2,000,000

Comprehensive Protection

Covers loss of or accidental damage to the insured car

Covers medical expenses for any accidental injury of the insured, driver or passengers of the insured car

Other Coverage:

(a)	Personal Accident Insurance for one year
(b)	Unlimited windscreen and car window coverage, if each claim does not exceed HKD5,000, No Claim Discount will remain unaffected and there will be no excess
(c)	New for old vehicle replacement: If in the first year there is a total loss of the new vehicle in an accident or if it is stolen, the settlement will be based on the value of a new vehicle of the same make and model, without deducting for depreciation

2,000

150,000

Compensation will be based on the value of the vehicle and the degree of accidental damage.

Notes:
•	Third Party Legal Liabilities Insurance is a minimum requirement for car owners as set out by the Government of the Hong Kong Special Administrative Region.
•	This page is only intended as a general summary. Please refer to the policy for detailed terms and conditions and exclusions.
•	The Private Car Insurance Plan is underwritten by Hang Seng General Insurance (Hong Kong) Company Limited which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited is an insurance agent authorised by Hang Seng General Insurance (Hong Kong) Company Limited.
•	Insurance products offered by Hang Seng General Insurance (Hong Kong) Company Limited are only available for subscription for residents of the HKSAR.

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