The plan, is underwritten by QBE General Insurance (Hong Kong) Limited, provides holistic Third-party Legal Liabilities or Comprehensive Protection for your private car.
If the first year brand-new vehicle suffers total loss in an accident or is stolen within one year of initial registration, compensation will be based on the value of a new vehicle of the same make and model, without deducting for depreciation. Also unlimited windscreen and car window coverage is offered, which would not affect the No Claim Discount. In addition, a 24-hour towing and assistance hotline is offered to provide the insured with total support all the way.
It protects the insured against legal liability in respect of third party’s death or bodily injury for up to HKD100,000,000 and third party’s property damage for up to HKD2,000,000 while using the insured car.
Remark: This page is only intended as a general summary. Please refer to the English version of the policy for detailed terms and conditions and exclusions.
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.
The NCD can be accumulated up to 60% of the premium as follows:
|Expiration of Insured Period (on yearly basis)
(10% increase each year up to 60%)
If there is a claim record during the insured period, NCD shall be decreased upon policy renewal.
||After claim (NCD upon policy renewal)
|40% or below
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.
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.
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.
Find details on how to submit your claim and more.
You can find all the forms and documents here for our insurance products.