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Schedule of Benefits

Plan Level Comprehensive Third Party Legal Liabilities
Benefit Items HK$
more_btn Section (I) – Against Loss of or Damage to the Motor Car
1. Loss of or Damage to the Motor Car
Reasonable market value of the insured motor car at the time of loss/ damage or sum insured, whichever is lesser
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Cover the loss of or damage to the insured motor car, its accessories and spare parts
2. Removal to the Nearest Repairer Shop and Redelivery after Repair
20% of the agreed cost of repairs
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Cover the reasonable cost of removal of the disabled insured motor car to the nearest repairer and redelivery after repair to the insured’s address in Hong Kong
3. Authorised Repair Limit
1,000
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Cover the reasonable charge of necessary repair as authorised by the insured
more_btn Section (II) – Against Third Party Legal Liabilities
1. Third Party Death or Bodily Injury
100,000,000
Cover the insured, other insured drivers and other occupants of the insured motor car against the legal liability for third party due to car accidents
2. Third Party Property Damage
2 options
  • 2,000,000; or
  • 5,000,000
Cover the insured, other insured drivers and other occupants of the insured motor car against the legal liability for third party due to car accidents
more_btn Section (III) – Indemnity of Medical Expenses
1. Medical Expenses of Bodily Injury Sustained by the Insured/ Other Insured Drivers/ Other Occupants of the Motor Car
5,000
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Cover the reasonable medical expenses due to car accidents
more_btn Free Additional Benefits
1. Personal Accident to the Named Driver
200,000
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- death
200,000
- total and irrecoverable loss of all sight in both eyes
200,000
- total loss by physical severance at or above the wrist or ankle of both hands or both feet or of one hand together with one foot
200,000
- total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and irrecoverable loss of all sight in one eye
200,000
- total and irrecoverable loss of all sight in one eye
100,000
- total loss by physical severance at or above the wrist or ankle of one hand or one foot
100,000
Cover the above sustained by the named driver while driving due to a car accident within 3 months thereof
2. No Claim Discount (NCD) Protector
75,000 or 20% of the sum insured, whichever is lesser
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Offer the same NCD upon next renewal when the sum of all claims (after excess) does not exceed the limit listed above
3. New for Old Replacement Vehicle1
Included
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If the insured motor car sustains total loss, it will be replaced with one of the same make and model without deducting depreciation
4. Windscreen Excess Waiver Benefit2
5,000
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Waiver of corresponding excess for repair or replacement of any accidental broken glass in the windscreen or the windows at a designated repairer
5. 24-Hour Emergency Roadside Assistance Services3
Hotline service and emergency assistance services
Hotline service
a) 24-Hour Emergency Roadside Repair Service
2,000
Included
b) 24-Hour Emergency Towing Service
2,000
Included
c) 24-Hour Claims Advice
Included
d) 24-Hour General Advice
Included
e) Alternate Vehicle
6,000
(after 20% of the expenses paid by the insured)
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- limit per day, max. 6 days
1,000
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Applicable to “5e) Alternate Vehicle”:
Arrange and pay rental expenses for an alternate vehicle of similar make or model when the insured motor car is being immobilised due to a car accident and repaired for more than 48 hours, or discovered stolen and not found within 48 hours after such discovery
6. Loss of or Damage to Personal Effects Following Theft, Robbery, Break-in or Road Traffic Accident
3,000
(after excess of 10% of the adjusted loss)
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7. Electric Car Charger Third Party Liabilities Protection
2,000,000/ per accident and per period of insurance
(after excess of 5,000 for third party property damage)
Cover the sums which shall become legally liable to third party in respect of property damage, death or bodily injury
more_btn Optional Benefit (subject to additional premium)
1. Extension of Own Damage Coverage in
Guangdong Province, PRC
Included
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Extend cover to the insured motor car under Section (I) – Against Loss of or Damage to the Motor Car if the insured motor car is in Guangdong Province (policy limits of liability remain unchanged)

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Remarks


1. This benefit item only applies when
(a) the insured is the first registered owner of the insured motor car;
(b) the total loss occurs within the first 12 months of the first registration of the insured motor car with the Transport Department of Hong Kong; and
(c) the first registration of the insured motor car with the Transport Department of Hong Kong must be made within 12 months from the date of manufacture thereof.
2. For list of designated repairers, please click here.
3. For more information, please click here.
Notes:
1. The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3. The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
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