| 【Motor Insurance】Just Right! | |
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【Motor Insurance】Just Right! It provides coverage for various types of private motor car! Click video for more details! |
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| It provides coverage for various types of private motor car!Click video for more details! | |
Driving brings endless joy, but to ensure a safe and smooth journey, the right car insurance or auto insurance is essential. Our SmartPro Drive Car Insurance provides comprehensive car insurance coverage, including third-party liability, own damage, and extra benefits. With this auto insurance plan, you can hit the road with peace of mind, knowing your car insurance and auto insurance protection have you covered every mile of the way.
Car Insurance Plan Highlights
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Cover various types of private motor car |
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Third Party Legal Liabilities |
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Electric Car Charger Third Party Liabilities Protection |
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Personal Accident to the Named Driver |
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New for Old Replacement Vehicle |
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Alternate Vehicle |
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24-Hour Emergency Roadside Assistance Services |
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Optional Benefit - Extended Coverage to Guangdong Province |
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No Claim Discount (NCD) Protector |
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+ No Claim Discount△
Notes:
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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.
| 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. |
Car Insurance FAQs
What is car insurance? What is covered by car insurance?
Car insurance aims at safeguarding vehicle owners against their legal liability in respect of third party’s death, bodily injury and/or property damage, and also cover the damage of the insured vehicle from car accidents. It provides financial protection to you and anyone involved in an incident, and is a statutory requirement for driving.
What are third-party legal liability insurance and comprehensive insurance?Which types of car insurance are mandatory?
“Third-party legal liability insurance” refers to the coverage of the legal liability of the insured driver in respect of third party’s death, bodily injury and/or property damage from car accidents, which is the mandatory insurance under the Motor Vehicles Insurance (Third Party Risks) Ordinance, Chapter 272 of the Laws of Hong Kong.
“Comprehensive insurance” provides broader protection, including third-party legal liability cover plus the coverage for your own vehicle against accidental loss or damage. Legally, third-party insurance is mandatory, but for better protection, especially for brand new or high-value cars, comprehensive insurance can be considered.
“Comprehensive insurance” provides broader protection, including third-party legal liability cover plus the coverage for your own vehicle against accidental loss or damage. Legally, third-party insurance is mandatory, but for better protection, especially for brand new or high-value cars, comprehensive insurance can be considered.
How much is the annual premium of car insurance in Hong Kong? How can I make a price comparison?
Car insurance premiums vary significantly in Hong Kong based on different factors such as the type of vehicle, the driver’s age, driving experience, claim history, and No Claims Discount (NCD). Generally, premium for third-party legal liability insurance costs less, while comprehensive insurance is more expensive for better protection. To avoid paying excessive premiums, comparing car insurance premium is essential. Many drivers now use online platforms to compare premiums from different insurers to find the option that best suits their needs and offers the highest value for money.
Are online car insurance quote reliable?
Most online quotes from insurers and reputable comparison platforms are generally reliable. However, please note that these quotes are preliminary, the final premium will depend on the insurer’s underwriting result.
When comparing car insurance, what else should I consider besides the premium?
Beyond the premium, you should also pay attention to coverage limits, excess, NCD (No Claims Discount), optional benefits, and the quality of claims service etc.
What is NCD (No Claim Discount) for car insurance and how is it calculated?
NCD (No Claims Discount) is a discount offered by insurers to policyholders who do not make any claims during the previous policy period. When you renew your car insurance without claims in the previous policy year, you can entitle a discount on your renew premium. Typically, the discount starts at around 20% after the first claim-free year and increases annually, up to about 60%. If you make a claim, the discount may be reduced or reset to zero, depending on the number of claims and the insurer’s policies.
What is "Excess" in car insurance?
Excess is the amount you must bear the loss before the insurance company covers the remaining balance of loss. For example, if the repair cost is HK$10,000 and excess is HK$3,000, the insurer will only compensate HK$7,000.
Is it difficult for P-plate drivers to purchase car insurance?
In Hong Kong, P-plate drivers (those holding a probationary driving license) often face certain challenges when purchasing car insurance. The main reason is that insurance companies consider new drivers to be higher risk due to lack of driving experience, so premiums are usually higher compared to experienced drivers. In addition, some insurers may restrict the coverage options available or impose higher excess.
Can I transfer my car insurance to a new car or a new owner?
Car insurance policies generally cannot be transferred to a new owner; the new owner must purchase their own policy. However, if you buy a new car, you can usually transfer your existing policy (and your NCD) to the new vehicle. You will need to contact your insurer to update the vehicle details, but note that this may result in an adjustment to your premium.
Will premium for electric car insurance be more expensive? Do Tesla and other Electric Vehicle (EV) require special car insurance?
In Hong Kong, insurance premium for electric vehicle (EV) is usually more expensive than conventional petrol cars, mainly because more costly repairs and parts, and require specialised maintenance. Insurers set premiums based on factors such as the car model, driver’s age, driving record, and coverage options. Generally, EVs are still covered under standard car insurance, but it is recommended that owners compare different plans to choose the suitable coverage.