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    Private Car Insurance Plan

    Terms and Conditions apply. The above general insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited.

    Plan overview

    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.

    Key features

    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.

    It covers

    1. loss of or accidental damage of the insured car,
    2. medical expenses for any accidental injury of the insured, driver or passengers,
    3. personal accident insurance up to HKD150,000, and
    4. unlimited windscreen and car window coverage and
    5. new for old vehicle replacement[1].

    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.

    Learn more

    FAQs

    1. Basic protection provides :
      • Protection to the car owner or driver against liability of third party bodily injury, death or property damage while they are using the insured vehicle
      • 24 hours claim assistance service
    2. "Comprehensive Insurance Plan" provides:
      • Basic protection and service of "Third Party Legal Liabilities Insurance Plan"
      • Cover loss of or accidental damage to the insured car
      • 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
      • Unlimited windscreen or car window coverage (if each claim does not exceed HKD5,000, NCD will remain unaffected)
      • 24 hours Repair Approval Service
      • 24 hours Free Towing Service

    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)
    		 NCD
    First Year
    		 20%
    (10% increase each year up to 60%)

    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%

    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.

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

    View details

    Download form

    You can find all the forms and documents here for our insurance products.

    Download form

    Need more help?

    Call us (QBE Customer Service Hotline)

    (852) 2828 3138

    Email us

    Leave us a message

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    Footnote

    Other point(s) to note

    1. 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.
    2. Insurance products offered by QBE General Insurance (Hong Kong) Limited are only available for subscription for residents of the HKSAR.
    3. The above general insurance plan ("Plan") is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
    4. In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.

    Remark(s)

    1. 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.