| 1. |
If I want to amend my policy cover in the next
policy year (e.g. change plan), can I renew the
policy online and will I receive any notifications? |
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Any one of the following renewal instructions
can be submitted online:
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Renew the current policy or
the endorsements (if any) of the renewal
terms as stated in Renewal Notice; |
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Change plan (“Comprehensive Insurance
Plan” or “Third Party Legal
Liabilities Insurance Plan”); |
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Change the limit of indemnity (only applicable
to “Comprehensive Insurance Plan”);
and |
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Change other policy details. |
If you choose to amend the policy cover, we will
contact you within five working days in order
to proceed with your renewal request. After completed
the renewal instruction, please be reminded to
print the screen or write down the reference no.
for your future enquiry. |
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| 2. |
How can I pay the renewal premium, if I renew
Private Car Insurance Plan online? |
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If you choose to renew the current policy or
the endorsements (if any) of the renewal terms
as stated in Renewal Notice, you can choose the
following account for settlement of your renewal
premium:
| (1) |
Hang Seng bank account/Hang
Seng credit card account as stated in the
Renewal Notice |
| (2) |
Credit card of any issuing authority,
and please state the following details:
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Name of Cardholder;
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Credit Card No. (VISA/JCB/MasterCard
only); and |
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Card Expiry Date |
If you choose to change the policy cover,
we will contact you within five working
days, and we will then request for your
premium payment method. |
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| 3. |
After submitted the renewal application, will
the premium be instantly collected? |
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If the renewal is successful, the premium will
be debited on the policy renewal date. The renewal
policy will be mailed to the policyholder once
the renewal application is approved and the premium
payment is confirmed. |
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| 4. |
What does the Private Car Insurance Plan cover? |
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| (1) |
The basic protection and service
of “Third Party Legal Liabilities
Insurance Plan” includes:
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Protect the car owner
or driver against liability of third
party bodily injury, death or property
damage while they are using the insured
vehicle |
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24 hours Claim Assistance Service |
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| (2) |
The major protection and service of “Comprehensive
Insurance Plan” includes:
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Basic protection and
service of “Third Party Legal
Liabilities Insurance Plan”
|
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Cover loss of or accidental damage
to the insured car |
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Annual personal accident insurance
of HKD150,000 for the driver(s) named
in the schedule |
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Medical expenses of any accidental
injury, arising from an accident involving
of the insured vehicle of the insured,
driver or passengers of the insured
vehicle covering HKD2,000 |
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Unlimited windscreen or car window
coverage (if each claim does not exceed
HKD5,000, NCD will remain unaffected) |
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24 hours Repair Approval Service |
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24 hours Free Towing Service |
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| 5. |
What is 'No Claim Discount'? Is it transferable? |
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When the proposer has no
claim record during the insured period,
he/she may enjoy the benefit of 'No Claim
Discount' ( NCD ) upon policy renewal. |
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The NCD can be accumulated up to 60%
of the premium as follows:
Expiration
of Insured Period (on yearly
basis)
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NCD |
First
Year |
20%
(10% increase each year up
to 60%) |
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If there is a claim record during the
insured period, NCD shall be decreased upon
policy renewal.
NCD
held |
After claim (NCD upon policy
renewal) |
60% |
30% |
50% |
20% |
40% or
below |
0% |
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The NCD Benefit is designed for the proposer
and not transferable. However, it may be
swapped among the cars registered under
the proposer’s name. |
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| 6. |
Can the number of 'named drivers' be increased? |
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Enrol “Comprehensive Insurance Plan”,
two named drivers can be registered for each vehicle
with no extra premium charged. Proposer may add
one to two more named drivers, however, a 10%
increase of premium will be charged on each additional
named driver. |
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| 7. |
When nobody is injured during a traffic accident,
is it necessary to report it to the police for
record? |
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According to the 'Road Traffic Ordinance', if
a collision with a government property takes place,
collision has to be reported to the police for
record within 24 hours; if the accident involved
other vehicles and it is thought that the other
party or parties are liable for the accident,
a report and complaint should be made to the police
and the related drivers should exchange their
and the owners' information including names, contact
telephone numbers and registration mark so as
to facilitate the claim for damages. |
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| 8. |
What does the 24 hours Free Towing Service
under the Comprehensive Insurance Plan include? |
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Apart from towing away the car at no cost, it
includes free replacement of burst tire by a spare
one and battery re-charge service. |
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