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Private Car Insurance


MotorUnder the Motor Vehicles Insurance (Third Party Risks) Ordinance (Chapter 272), all motor vehicle owners must insure their liabilities for death of or bodily injury to any third party arising out of an accident involving the use of their motor vehicle on a road.

 

  

 In Hong Kong, there are two common types of motor insurance cover:

 

Third Party Only Cover

To protect you against the legal liability for accident caused by or in connection with the motor car in respect of:

  • death of or bodily injury to any third party
  • damage to property of any third party

 

Comprehensive Cover

In addition to the Third Party Only cover, to protect you against the loss of or damage to the motor car by any causes such as collision, theft and other losses from accidents.

 

 OUR PRODUCT

Our Wisdom Private Car Insurance, in addition to the above basic cover, also offers a series of Free Extra Benefits to policyholder with Comprehensive cover in order to provide you with an all-round protection on the road. “A total peace of mind.”

 

FREE EXTRA BENEFITS (applicable to Comprehensive Cover only)

 

Driver’s Life Protection

This benefit provides you or any named driver up to HK$100,000 per policy year in the event of accidental death in a traffic accident in Hong Kong whilst driving the insured car.

 

“New For Old” Replacement Vehicle

If the insured car is less than one year old (from the date of its first registration) and suffers from total loss, we will replace it by a new vehicle of the same make and model without deducting any depreciation.

 

No Claim Discount Protection

If the total amount of claim within one policy year does not exceed HK$60,000 or 15% of the insured value (whichever the lesser), the NCD will remain unaffected upon renewal with us.

 

Windscreen Protection

In the event of isolated damage of windscreen only, we will arrange and pay for the repair or replacement cost up to HK$4,000 at no excess, and such claim will not be accounted for in NCD calculation upon renewal with us.

 

Alternate Vehicle

If the insured car is immobilized due to an accident which requires a repair exceeding 48 working hours; or being stolen and is not found within 48 hours, we can arrange an alternative vehicle of similar make and model and pay for 80% of the rental cost, up to HK$1,000 per day and HK$5,000 in aggregate for each and every case.

 

24-Hour Emergency Roadside Assistance

If the insured car is immobilized due to an accident or mechanical breakdown, we at your request will arrange and pay up to HK$2,000 for emergency roadside repair service.

 

24-Hour Emergency Towing Assistance

If the insured car is immobilized and is beyond repair at the roadside due to an accident or mechanical breakdown, we at your request will arrange and pay up to HK$2,000 for emergency towing service.

 

24-Hour Claim Advisory Service

A 24-hour Assistance Service Hotline to provide you advice on general claim procedures

 

24-Hour Legal Advisory Service

A 24-hour Assistance Service Hotline to provide you with general information on Hong Kong traffic regulations

 

HOW TO APPLY

To apply or learn more, please contact your insurance consultant。

 

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The above product information is for reference only.  Please refer to the insurance policy for detailed terms and conditions。