Getting behind the wheel can be great fun as it takes you where you want to. Yet a happy ride will only be one that is smooth and safe with a suitable car insurance policy in place that gives you the right protection when needed. Our SmartPro Drive Insurance offers you all-round coverage and ensures you will be able to drive with great peace of mind.

+ Plan Highlights

+ No Claim Discount^△

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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		Cover various types of private motor car
		Including hybrid and electric
		Third Party Legal Liabilities
		Up to HK$100,000,000
		Electric Car Charger Third Party Liabilities Protection
		Encourage use of electric cars which are more environmentally friendly and sustainable
		Personal Accident to the Named Driver
		Cover car accidents occurred to the named driver while driving, reimburse up to HK$200,000
		New for Old Replacement Vehicle
		If the insured motor car sustains total loss, it will be replaced with one of the same make and model without deducting depreciation
		Alternate Vehicle
		Arrange and pay rental expenses for an alternate vehicle when the insured motor car is under repair after being immobilised due to an accident or being stolen, reimburse up to HK$6,000
		24-Hour Emergency Roadside Assistance Services
		Help arrange emergency roadside repair, towing and more
		Optional Benefit - Extended Coverage to Guangdong Province
		Cover loss and damage to the motor car in Guangdong Province
		No Claim Discount (NCD) Protector
		Offer the same NCD upon next renewal when the sum of all claims (after excess) does not exceed HK$75,000 or 20% of the sum insured (whichever is lesser)

^△	If (i) a claim has been made or has arisen under the policy during a period of insurance; and (ii) the premium discount applied during that period of insurance is 40% or less, no discount shall be applied on the renewal of the policy for the immediately succeeding period of insurance.
	If (i) a single claim has been made or has arisen under the policy during a period of insurance; and (ii) the premium discount applied during that period of insurance is 50% or 60%, the premium discount which shall be applied on the renewal of the policy for the immediately succeeding period of insurance shall be reduced to 20% and 30% respectively.
	If more than one claim has been made or has arisen under the policy during a period of insurance, regardless of the premium discount applied during that period of insurance, no premium discount shall be applied on the renewal of the policy for the immediately succeeding period of insurance.

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+ Plan Highlights

+ No Claim Discount△

+ No Claim Discount^△