Available Coverage
Comprehensive Coverage
1. Loss of or Damage to your motor car and/or its accessories or spare parts
2. Legal Liability for causing third party's death, bodily injury and/or property damage
3. Medical Expenses for the Named Driver(s) and any occupants up to $5,000 per policy year
OR
Third Party Legal Liabilities Coverage
1. Legal Liability for causing third party's death and/or bodily injury up to $100,000,000
2. Legal Liability for causing third party's property damage up to $2,000,000
Additional Benefits (Applicable to Comprehensive Coverage Only)
1. Personal Accident
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This provides you or any named driver(s) up to a maximum of $100,000 per policy year in the event of accidental death or total permanent disablement in a traffic accident.
2. No Claim Discount (NCD) Protection
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You can make claims up to a specific amount (maximum $60,000) regardless of fault within a policy year, without affecting your NCD.
3. New for Old Replacement Vehicle
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If your motor car is stolen or suffers total loss in an accident, a new car of the same make and model will be given as compensation, provided that the motor car is within the year of manufacture and the first 12 months of its first registration.
4. Windscreen Replacement
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Windscreen replacement is covered with no excess, up to a maximum of $5,000 during the policy year and your NCD remains unaffected.
5. Emergency Towing Service
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You will be reimbursed the towing service fees up to $1,000 per policy year, if your motor car is immobilized, unfit or unsafe to be driven due to an accident or mechanical breakdown.
6. Rental Vehicle
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In the event of theft or accident which immobilize your vehicle and such a loss or the repairing time is over 48 hours, we will arrange for a substitute vehicle. We will bear 80% of the rental costs up to $1,000 per day and $5,000 per year.
7. Claims Recovery Service
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In the event of an accident caused by the third party's fault, a claim recovery service will be provided to pursue recovery for your excess losses.
8. Nil Depreciation on Repairs
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Should repairs be required, there will be no deduction for depreciation on the parts which need replacement, if the motor car is less than one year old at the time of the accident giving rise to a claim.
9. 24-Hour Assistance Hotline
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A 24-hour assistance hotline service is provided to you for obtaining:
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Emergency roadside assistance referral service
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Rental vehicle referral service
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Towing of vehicle referral service
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General claim advisory service
10. Full Cover for All Named Drivers
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Full cover for up to 4 named drivers are provided under this plan.
11. Third Party Property Damage Excess Waiver (applicable for Personal Client Policy only)
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If at the time of accident, the policyholder is the driver and aged within 30 to 45 and holding a valid driving license for more than 2 years. Third Party Property Damage Excess will be waived.
Remark:
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All amounts are in Hong Kong Dollars
